Fitness Instructor Insurance

Powerfully Crafted Insurance For Fitness Professionals

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$129/year

Affordable Fitness Instructor Liability Insurance

From private personal trainers to online yoga instructors, insurance for fitness professionals can help you cover the costs of client injuries, accidental property damage, legal fees, and more.

What Is Fitness Instructor Insurance?

Fitness instructor insurance is a protection plan that covers the work fitness, health, and wellness professionals perform.

For example, If someone is hurt while training with you or equipment is damaged during a class, insurance may cover the cost of claims brought against you. Having insurance can help you keep your fitness business running smoothly and save you thousands in out-of-pocket expenses.

Insurance Canopy’s liability insurance for fitness instructors offers you: 

  • General & professional liability insurance
  • Optional coverage add-ons
  • Protection for your gear
  • Coverage for 100+ teaching styles
  • Flexible payment options
  • Multiple location coverage
  • Cheap fitness insurance
  • Unlimited additional insureds
  • Instant Certificate of Insurance
  • 24/7 online access to your policy
  • Nationwide coverage*

How Much Does Fitness Instructor Liability Insurance Cost?​

Our insurance starts at $12.50/month or $129/year, with our annual plan helping you save an additional 14% per year.

You can also add Gear & Equipment Coverage on to your plan for as low as $1.33/month—making this one of the cheapest fitness instructor insurance policies available.

Get a policy online in 10 minute or less and enjoy instant coverage today.

What Insurance Do I Need As A Fitness Instructor?

As a fitness instructor, you need general and professional liability insurance. These are the two most vital insurance coverages that may help you cover the cost of accidents or damages caused by your professional instruction.

We recommend these coverages for fitness professionals:

  • General Liability Insurance: Coverage that helps you pay for accidental injuries or damages caused by your business, like a scratched floor or a slip and fall.
  • Professional Liability Insurance: Coverage that helps you pay for injuries or damages caused by your work, like broken equipment or pulled muscles from a fitness class.
  • Additional Insureds: A third party added to your policy, like a business that contracts you, a gym or spa owner, or a building manager.
  • Gear & Equipment Coverage: An optional coverage that helps you pay for repairs and replacements for gear that is stolen or damaged.
  • Cyber Liability Insurance: An optional coverage that helps you pay for damages caused by cyber attacks on your business.
  • Diet & Nutrition Coverage: An optional coverage that helps you cover the dietary and nutritional work you do, such as meal plans or diet recommendations.

Need help knowing which insurance plan is right for you? Learn more about how our plans can protect your fitness business in our guide to fitness insurance

Do Group Fitness Instructors Need Insurance?

Yes, group fitness instructors do need insurance—as do online fitness instructors and freelance fitness instructors.

If you train more than one client at a time, teach a fitness class, or lead team workouts, then you need insurance for group fitness instructors. It’s not uncommon to have a student get hurt or break a piece of equipment during a session—so it’s important to be covered for moments like these.

Why Choose Insurance Canopy?

We Have A (Nearly) 5 Star Rating

  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024

    Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024

    Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024

    This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024

    Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024

    Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

    I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.

    Herman Hildo Avatar Herman Hildo
    March 25, 2024
  • I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff

    Darron Hines Avatar Darron Hines
    March 25, 2024

    Super friendly service..

    Kristina Strong Avatar Kristina Strong
    March 25, 2024

    I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More

    Greg Hoover Avatar Greg Hoover
    March 25, 2024
  • Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.

    Kate Whelan Avatar Kate Whelan
    March 25, 2024

    Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    March 25, 2024

    great experience so far, always able to reach a human representative on the phone!

    New Groove Avatar New Groove
    March 25, 2024
  • Insurance Canopy gives me peace of mind for my practice.

    Adriana Chacon Avatar Adriana Chacon
    March 25, 2024

    Great service, affordable insurance, easy to work with.

    Roland Cache Avatar Roland Cache
    March 18, 2024

    The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.

    susan fletcher Avatar susan fletcher
    March 11, 2024
  • Fast procedure with clear price options. Did everything in less than 5 minutes

    Ron Geraci Avatar Ron Geraci
    March 11, 2024

    If you are in the entertainment business this is the best and most easiest insurance to use.

    Dance Smith Productions Avatar Dance Smith Productions
    March 1, 2024

    Very easy set up for a policy and friendly conversation with on line and customer support

    Vito n/a Avatar Vito n/a
    March 1, 2024
  • Site easy to navigate, good price, good customer service.

    Yosie Coronel Avatar Yosie Coronel
    March 1, 2024

    Process went very well. Best price and able to add a secondary insured.

    Jacque Avatar Jacque
    March 1, 2024

    Renewal of policy was smooth and didn't have to do a thing! Excellent customer support! Will refer family and friends. Thank you Insurance Canopy!

    Ram Seetharam Avatar Ram Seetharam
    March 1, 2024
  • Insurance Canopy has some issues when navigating the website. However, they have reasonable rates and seemingly good coverage. I’ve never had to file a claim. So I will make a... Read More

    Gabriel Sherry Avatar Gabriel Sherry
    March 1, 2024

    We have worked extensively with Faith Ortiz and each time it has been a pleasure! Faith is efficient, incredibly knowledgeable, and a joy to work with. Even in situations with... Read More

    Andrew Bawdon Avatar Andrew Bawdon
    February 1, 2024

    Faith has been working with us for a while now and consistently goes out of her way to help us find a solution. We greatly appreciate all her and her... Read More

    Jaimee Gomez Avatar Jaimee Gomez
    February 1, 2024
  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024
  • Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024
  • I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024
  • Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024
  • It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024
  • Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024
  • The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024

Coverage Details

General & Professional Liability Limits

The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.

$3,000,000

The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.

$3,000,000

The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement

Included

The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.

$2,000,000

Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$300,000

A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.

$5,000

The amount we deduct from a claim before paying up to your policy limits.

$100

Optional Add-ons

Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure.

$2,000

The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.

$100,000

Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.

Included when added

Coverage for a third party, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.

+$15

Coverage for multiple third parties, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.

+$30

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Questions About Insurance for Fitness Instructors

Fitness professional insurance can cover many common claims, including the following:

  • Slip-and-fall accidents
  • Client injuries or death
  • Damaged property
  • Allergic reactions
  • Stolen gear and equipment

If a client is hurt and unable to work, they could hold you responsible for covering the cost of medical bills, lost wages, and even emotional damages. If someone trips over a yoga mat and breaks a mirror in a studio you rent, you would be responsible for repairing the damages.

Even if you have clients sign a waiver, you can still be faced with lawsuits and need to defend yourself against them. A waiver cannot help you pay for legal expenses the way your insurance policy can.

With Insurance Canopy, you can feel confident you have the coverage you need to help you pay for common claims.

See Our Fitness Business Insurance Exclusions

Gear & Equipment Coverage is a unique type of protection for your business’s items such as weights, yoga mats, and exercise equipment. You can use it to insure the stuff you take with you to a fitness class, the equipment you buy to furnish your own gym, or gear you use to record virtual fitness content.

This coverage is intended to insure the items you use in your day-to-day work for claims of theft or damages so you may have help paying for the cost to repair or replace your stuff. It cannot be used to insure “tangible property.” That means it can’t cover a building or items that are permanently attached to a structure, like lighting or window fixtures. The items have to be moveable or transportable.

Gear & Equipment Coverage is a great insurance option for fitness professionals who are mobile, run their own studio, or have invested in gear for an online business. It’s also a good for instructors who teach at retreats or special events where they need to bring their own gear.

You can add Gear & Equipment Coverage to your insurance policy for as low as $16/year or $1.33/month. It’s available to add to a new policy during the application process or to an existing policy from your online dashboard.

Learn more about Inland Marine Insurance

The difference between instructor insurance vs gym insurance is whether or not you own the property where you work.

  • Gym insurance (property insurance) is coverage designed to insure buildings you own and use for your fitness business.
  • Instructor insurance (liability insurance) is designed to insure the work you do as a professional and help you pay for claims caused by your business.


Liability insurance mainly focuses on the general and professional liability parts of the policy. This means most of the coverages apply to claims related to injuries or damages your fitness services cause to other people and their property. This policy does not offer the same protection as a property insurance coverage, and it may only cover you for some claims that occur in properties you rent (not own) under the Damage to Premises Rented to You coverage. 

Buy Instructor Insurance Today

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.

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*Not currently available in Missouri.