Insurance Canopy’s Covered and Excluded
Fitness Training Styles

Looking to get insured and start training clients? Find out if your style of training is covered under Insurance Canopy’s fitness instructor policy. Check if you qualify below!

✅ Covered Fitness Training Styles

These fitness instructors can qualify for Insurance Canopy’s fitness instructor insurance coverage:

  • 1-on-1 Personal Trainers
  • Aerobics Instructors
  • Barre Instructors
  • Barry’s Bootcamp Instructors
  • Boot Camp and HIIT
  • Instructors
  • Cardio Kickboxing Instructors
  • CrossFit Instructors
  • Dance Instructors
  • Dancercize Instructors
  • F45 Instructors
  • Golf Instructors
  • Group Exercise Instructors
  • Gymnastics Coaches
  • Indoor Rowing Instructors
  • Jazzercise Instructors
  • KINRGY Instructors
  • LaBlast Instructors
  • Online and Virtual Instructors
  • Orangetheory Fitness Instructors
  • Physique Fitness Trainers
  • Pilates Instructors
  • SilverSneakers Instructors
  • Spin Instructors
  • Step Aerobics Instructors
  • Tai Chi Instructors (non-contact)
  • Yoga Instructors
  • Zumba Instructors

❌ Excluded Teaching Styles

These styles cannot qualify for Insurance Canopy’s fitness instructor insurance coverage:

  • Aerial Yoga
  • Aqua Therapy
  • Certified Athletic Trainers Affiliated With Organized Sports or Athletic Team(s)
  • Cycling or Mountain Biking (other than stationary)
  • Law Enforcement, Public Safety, or Military Training Programs
  • Martial Arts or Physical Contact Training
  • Medical Professional Services (such as medical, therapy, or health care service)
  • Pole Dancing, Pole Fitness, and Exotic Exercise
  • Water Fitness Trainers

Not seeing your fitness training style here? If it’s not on our Covered Training Styles List, contact us! We’d love to help you get covered.

Why Insurance Canopy for Your Fitness Instructor Insurance Policy

Level up your fitness instruction with Insurance Canopy’s comprehensive coverage.

Our Benefits:

  • Excellent-rated carrier
  • Low-cost premiums with high limits
  • Monthly or annual payment options
  • Certificate of Insurance at checkout
  • Online dashboard for 24/7 policy access
  • One policy covers 100+ fitness modalities
  • Essential liability coverage with optional add-ons
  • Multiple options for gear and equipment insurance
  • On-the-go coverage — teach at multiple locations!

Save up to 19% a year*

on fitness instructor insurance with Insurance Canopy!

AS LOW AS

$15/month

*On average, a new policyholder may pay 19% less in yearly premiums with Insurance Canopy when compared to other popular fitness insurance policies.

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

Price

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. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.

$1.33–$5.55/month

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.

$8.25/month

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.

$6.83/month

Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.

$15–$30/year

Ready for a Free Quote?
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(Nearly) 5-Star Rated Fitness Insurance Coverage

Let our happy policyholders convince you

  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024

    Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

    Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024

    I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024
  • Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

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    July 5, 2024

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

    Michael “Michael” Jobe Avatar Michael “Michael”
    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

    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

    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
  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024
  • This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024
  • Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024
  • Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024

FAQs About Our Covered Styles of Training

Yes, you can customize your fitness instructor insurance! Your base policy includes general and professional liability coverage to cover you for claims of client injuries, property damage, and professional mistakes.

Boost your coverage with optional add-ons like additional insureds, gear and equipment coverage, cyber liability insurance, or diet and nutrition coverage.

You can also pay how you want — choose from monthly or yearly payment options.

Just select what you need during your online application (or any time after purchase through your user dashboard) and you’re all set!

Yes! You hustle from the gym to clients’ homes and back again — your coverage keeps up with you wherever you work.

Facilities will often require you to carry liability insurance and add them as additional insureds on your policy. Insurance Canopy makes it easy for you to meet requirements, get covered, and start training at multiple locations fast.

If you’re a dance instructor or coach who teaches children, yes, you qualify for Insurance Canopy’s coverage!

However, instructors specializing in other training styles of fitness who teach children — aside from dance do not qualify for fitness instructor insurance.

Yes, if you teach fitness via virtual classes or offer pre-recorded videos, you’re covered with a fitness instructor policy. Insurance Canopy proudly insures many common types of fitness training styles — both online and in-person!

Don’t forget: If your business is largely online, it’s smart to secure cyber liability coverage in case of cyber attacks on your or your clients’ sensitive information.

Get Your Free Fitness Instructor Quote Today!