844.520.6993
What Kind of

Fitness Insurance

Do You Need?
A helpful guide to Fitness Instructor Insurance

Table of Contents

Liability Insurance & Who It's For

Liability insurance—you’ve probably heard this term before, but how does it apply to you as a fitness professional?
Accidents can happen all the time in the health and fitness industry. Everything from pulling a muscle during a workout, to breaking an ankle rehearsing a dance routine, and having a bad reaction to a supplement you recommended. Clients may break equipment you provided or drop a weight on the floor, leaving damage in a space you don’t own.

These types of incidents can leave you with some expensive bills to be paid, or even a lawsuit. This is where liability insurance comes in. It’s designed to help you pay for the accidental damages and injuries caused by your professional work. It can also help you repair or replace the gear and equipment you might use to run your business.

Whether you teach in a private studio, train clients online, instruct students at your home, work at multiple locations, or manage your own fitness business; liability insurance can benefit and protect you.
A fitness Instructor with his hands on his hips.

Personal Trainer Insurance

Personal trainer insurance is created for all types of trainers: online, in-person, private, group, freelance, and gym-based trainers. It helps you meet insurance requirements for most facilities, and can insure you as an individual trainer or a small training business you may own.

Personal Trainer Insurance Coverages

group fitness icon injury risk icon
If you
You risk
That's covered with
Average Limits
Work with clients or groups
Trips, slips, and falls in your training space
General Liability
$2 million aggregate
$1 million each occurrence
Give professional instruction to clients
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$3 million aggregate
$2 million each occurrence
Have clients who might get hurt
Injuries that require medical attention
Medical ExpenseCoverage
$5,000
Work in a space you rent
Property damage you have to pay for
Damage to Rented Premises
$200,000
Use your own equipment or film online trainings
Having your gear stolen or damaged
Gear & Equipment Coverage
(Inland Marine / Business Personal Property)
$1,000
Take online payments or keep digital client records
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services
Personal & Advertising Injury
Copyright infringement and lawsuits
Included in general / professional liability
Offer diet or nutrition advice
Allergic reactions or unsatisfied clients
Diet & Nutrition Coverage
Included in general / professional liability

Common Coverages & Limits

When looking for a policy, you may be trying to meet contract obligations or find something that meets your individual needs. It’s important to know what your policy may cover you for and if there are additional policies you might want in a plan.

Common Coverages & Limits

When looking for a policy, you may be trying to meet contract obligations or find something that meets your individual needs. It’s important to know what your policy may cover you for and if there are additional policies you might want in a plan.
Not all insurance policies are created equal, which is why it’s important to do your research. The cheapest insurance plan might not always give you the best coverage options or come with low limits. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits your needs (and your budget).

Personal Trainer Insurance Comparisons

Insurance Canopy white logo Next Insurance Insure Fitness Group
Annual policy: $129
Annual policy: $166
Annual policy: $179
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
Damage to Rented Premises: $100,000
Damage to Rented Premises: $100,000
Gear & Equipment Coverage (optional): $2,000
Gear & Equipment Coverage: $1,000
No Gear & Equipment Coverage
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Yoga Teacher Insurance

Yoga teacher insurance is made for all types of teachers: online, in-person, private, group, at events or spas, freelance, and gym-based teachers. It helps you meet insurance requirements for most location types, and can insure you as an individual teacher or a teacher who owns their own business.

Yoga Teacher Insurance Coverages

yoga icon injury risk icon
If you
You risk
That's covered with
Average Limits
Work with students or classes
Trips, slips, and falls in your teaching space
General Liability
$2 million aggregate
$2 million each occurrence
Give professional instruction to students
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$2 million aggregate
$2 million each occurrence
Have students who might get hurt
Injuries that require medical attention
Medical ExpenseCoverage
$2,500
Teach in a space you rent
Property damage you have to pay for
Damage to Rented Premises
$200,000
Use your own equipment or film online sessions
Having your gear stolen or damaged
Gear & Equipment Coverage (Inland Marine / Business Personal Property)
$1,000
Take online payments or keep digital client records
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability
Offer diet or nutrition advice
Allergic reactions or unhappy students
Diet & Nutrition Coverage
Included in general / professional liability

Common Coverages & Limits

When looking for a policy, you may be trying to meet certain requirements for a contract or find something to cover the work you specifically do. It’s important to know what your policy may cover and if there are additional policies you might need.

Common Coverages & Limits

When looking for a policy, you may be trying to meet certain requirements for a contract or find something to cover the work you specifically do. It’s important to know what your policy may cover and if there are additional policies you might need.
Every yoga insurance policy is different and offers different benefits, the same way every yoga pose serves a different purpose. The cheapest insurance plan might not always give you the best coverage options or come with low limits. Others might be over charging you for benefits or subscription plans. Whichever plan you choose, make sure it best fits your needs (and your budget).

Yoga Teacher Insurance Comparisons

Insurance Canopy white logo BeYogi Philadelphia Insurance
Annual policy: $129
Annual policy: $159
Annual policy: $185
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $4 million aggregate / $2 million each occurrence
Damage to Rented Premises: $300,000
Damage to Rented Premises: $100,000
Damage to Rented Premises: $100,000
Gear & Equipment Coverage (optional): $2,000
Gear & Equipment Coverage: $1,000
No Gear & Equipment Coverage
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Dance Teacher Insurance

Dance instructor insurance is made for all types of instructors: online, in-person, freelance, private, group, at events, or at a studio. It helps you meet insurance requirements for most locations, and can insure you as an individual teacher or an instructor who owns their own business.

Dance Teacher Insurance Coverages

Dance Icon injury risk icon
If you
You risk
That's covered with
Average Limits
Work with clients or classes
Trips, slips, and falls in your dance space
General Liability
$2 million aggregate
$2 million each occurrence
Give professional instruction to students
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$2 million aggregate
$2 million each occurrence
Have students who might get hurt
Injuries that require medical attention
Medical ExpenseCoverage
$5,000
Work in a space you rent
Property damage you have to pay for
Damage to Rented Premises
$100,000
Use your own equipment or teach online
Having your gear stolen or damaged
Gear & Equipment Coverage (Inland Marine / Business Personal Property)
$1,000
Take online payments or keep digital client records
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability

Common Coverages & Limits

When looking for a policy, you may need to meet certain requirements for a contract or find something to cover the work you do. It’s important to know what your policy may cover and if there are additional policies you might need.

Common Coverages & Limits

When looking for a policy, you may need to meet certain requirements for a contract or find something to cover the work you do. It’s important to know what your policy may cover and if there are additional policies you might need.
Not all dance routines are the same, and neither are all dance instructor insurance policies—which is why it’s important to do your research. The cheapest insurance plan might not always give you the best coverage options or come with low limits. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits your needs and your budget.

Dance Teacher Insurance Comparisons

Insurance Canopy white logo Next Insurance Insure Fitness
Annual policy: $129
Annual policy: $166
Annual policy: $179
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
Damage to Rented Premises: $100,000
Damage to Rented Premises: $100,000
Gear & Equipment Coverage (optional): $2,000
No Gear & Equipment Coverage
Gear & Equipment Coverage: $2,000
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Pilates Instructor Insurance

Pilates instructor insurance is created for all types of instructors: online, in-person, private, group, freelance, and at gyms, events, or spas. It helps you meet insurance requirements for most facility types, and can insure you as an individual or as a Pilates instructor who operates their own small business.

Pilates Instructor Insurance Coverages

pilates icon injury risk icon
If you
You risk
That's covered with
Average Limits
Work with clients or classes
Trips, slips, and falls in your training space
General Liability
$2 million aggregate
$2 million each occurrence
Give professional instruction to students
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$3 million aggregate
$2 million each occurrence
Have students who may get hurt
Injuries that require medical attention
Medical ExpenseCoverage
$5,000
Work in a space you rent
Property damage you have to pay for
Damage to Rented Premises
$100,000
Use your own equipment or teach online
Having your gear stolen or damaged
Gear & Equipment Coverage (Inland Marine / Business Personal Property)
$1,000
Take online payments or keep digital client records
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability
Offer diet or nutrition advice
Allergic reactions or unsatisfied clients
Diet & Nutrition Coverage
Included in general / professional liability

Common Coverages & Limits

When looking for an insurance plan, you may need to meet certain requirements for a contract or find a policy that covers the work you specifically do. It’s important to know what your insurance may cover you for, or if there are any additional policies you might want in a plan.

Common Coverages & Limits

When looking for an insurance plan, you may need to meet certain requirements for a contract or find a policy that covers the work you specifically do. It’s important to know what your insurance may cover you for, or if there are any additional policies you might want in a plan.
Not all insurance policies are created equal, which is why it’s important to research coverage details. The cheapest insurance plan might not always offer the best protection or it may have low limits. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits your needs (and your budget).

Pilates Instructor Insurance Comparisons

Insurance Canopy white logo NACAMS Pilates Method Alliance
Annual policy: $129
Annual policy: $189
Annual policy: $309
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
Damage to Rented Premises: $100,000
Damage to Rented Premises: $100,000
Gear & Equipment Coverage (optional): $2,000
Gear & Equipment Coverage: $1,000
No Gear & Equipment Coverage
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

CrossFit Trainer Insurance

CrossFit trainer insurance is created for all types of trainers: online, in-person, private, group, freelance, and at fitness centers. It helps you meet insurance requirements for most facilities, and can insure you as an individual trainer or a CrossFit Box.

CrossFit Trainer Insurance Coverages

Crossfit Icon injury risk icon
If you
You risk
That's covered with
Average Limits
Work with clients or groups
Trips, slips, and falls in your training space
General Liability
$2 million aggregate
$1 million each occurrence
Give professional instruction to clients
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$1 million aggregate
$1 million each occurrence
Have clients who may be injured
Injuries that require medical attention
Medical ExpenseCoverage
$5,000
Operate a CrossFit Box in a rented space
Property damage you have to pay for
Damage to Rented Premises
$200,000
Provide your own equipment or train virtually
Having your gear stolen or damaged
Gear & Equipment Coverage (Inland Marine / Business Personal Property)
$1,000
Take online payments or keep digital client records
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability
Offer diet or nutrition advice
Allergic reactions or unsatisfied clients
Diet & Nutrition Coverage
Included in general / professional liability

Common Coverages & Limits

When looking for a policy, you might need a plan that meets certain requirements for a contract or a plan that covers the specific needs of your business. It’s important to know what your policy may cover you for, and if there are additional policies you might want in a plan.

Common Coverages & Limits

When looking for a policy, you might need a plan that meets certain requirements for a contract or a plan that covers the specific needs of your business. It’s important to know what your policy may cover you for, and if there are additional policies you might want in a plan.
The same way all WODs are different, no two insurance policies are the same. That’s why it’s important to do your research. The cheapest insurance plan might not always give you the best coverage options, or they may have low limits that don’t benefit you. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits the needs as a trainer or affiliate owner (and your budget).

CrossFit Trainer Insurance Comparisons

Insurance Canopy white logo CrossFit Affiliate Insurance Next Insurance
Annual policy: $129
Annual policy: $1,185 (affiliate) / $200 (trainer)
Annual policy: $166
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
Damage to Rented Premises: $100,000
Damage to Rented Premises: $100,000
Gear & Equipment Coverage (optional): $2,000
Gear & Equipment Coverage: $2,000
No Gear & Equipment Coverage
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Zumba Teacher Insurance

Zumba teacher insurance is made for all types of teachers: online, in-person, freelance, private, group, and at a gym, events, or a studio. It helps you meet insurance requirements for most locations, and can insure you as an individual teacher or an instructor who owns their own business.

Zumba Teacher Insurance Coverages

zumba icon injury risk icon
If you
You risk
That's covered with
Average Limits
Work with students and classes
Trips, slips, and falls in your dance space
General Liability
$2 million aggregate
$2 million each occurrence
Give professional instruction to students
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$3 million aggregate
$2 million each occurrence
Have students who may get hurt
Injuries that require medical attention
Medical ExpenseCoverage
$5,000
Work in a space you rent
Property damage you have to pay for
Damage to Rented Premises
$100,000
Use your own equipment or teach online
Having your gear stolen or damaged
Gear & Equipment Coverage (Inland Marine / Business Personal Property)
$1,000
Take online payments or keep digital records
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability

Common Coverages & Limits

When looking for an insurance plan, you may need to meet certain requirements for a contract or find something to cover your small business. It’s important to know what your policy may cover and if there are additional policies you might need.

Common Coverages & Limits

When looking for an insurance plan, you may need to meet certain requirements for a contract or find something to cover your small business. It’s important to know what your policy may cover and if there are additional policies you might need.
Not all Zumba routines are the same, and neither are all Zumba instructor insurance policies—which is why it’s important to do your research. The cheapest insurance plan might not always give you the best coverage options or come with low limits. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits your needs as a Zumba teacher.

Zumba Teacher Insurance Comparisons

Insurance Canopy white logo Hiscox Insurance Next Insurance
Annual policy: $129
Annual policy: $853
Annual policy: $309
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
No Damage to Rented Premises Coverage
Damage to Rented Premises: $100,000
Gear & Equipment Coverage (optional): $2,000
No Gear & Equipment Coverage
No Gear & Equipment Coverage
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Golf Instructor Insurance

Golf instructor insurance is created for all types of instructors: in-person, private, group, online freelance, and at golf and recreational facilities. It helps you meet insurance requirements for most locations, and can insure you as an individual instructor or a golf instructor small business.

Golf Instructor Insurance Coverages

Icon of a golfer. injury risk icon
If you
You risk
That's covered with
Average Limits
Work with new students or experienced golfers
Stray balls causing injuries, damages, or disruptions
General Liability
$2 million aggregate
$1 million each occurrence
Give professional instructions to clients
Accidents that result in bills or lawsuits
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$3 million aggregate
$1 million each occurrence
Have clients who may be injured
Injuries that require medical attention
Medical Expense Coverage
$5,000
Teach in a location you do not own
Property damage you have to pay for
Damage to Rented Premises
$200,000
Use your own equipment or teach clients virtually
Having your gear stolen or damaged
Gear & Equipment Coverage (Inland Marine / Business Personal Property)
$1,000
Take online payments or store client records online
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services and business
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability

Common Coverages & Limits

When looking for a policy, you might need something that meets certain requirements for a contract or a plan that covers the specific needs of your business. It’s important to know what your policy may cover you for, and if there are additional coverages you might want in your protection plan.

Common Coverages & Limits

When looking for a policy, you might need something that meets certain requirements for a contract or a plan that covers the specific needs of your business. It’s important to know what your policy may cover you for, and if there are additional coverages you might want in your protection plan.
The same way every game of golf is played differently, every insurance policy is going to offer you different coverages and limits. The cheapest insurance plan might not always give you the best coverage options or come with low limits. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits your needs as an instructor or small business owner.

Golf Instructor Insurance Comparisons

Insurance Canopy white logo Hiscox Insurance Thimble Insurance
Annual policy: $129
Annual policy: $853
Annual policy: $166
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
No Damage to Rented Premises Coverage
No Damage to Rented Premises Coverage
Gear & Equipment Coverage (optional): $2,000
No Gear & Equipment Coverage
No Gear & Equipment Coverage
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Dietitian & Nutrionist Insurance

Dietitian and nutritionist insurance is made for professionals who help patients with nutritional-related deficiencies and diseases—including those who work with groups, own private practices, teach courses, consult with patients online, and work in health and fitness facilities.

Diet Professional Insurance Coverages

Apple icon. injury risk icon
If you
You risk
That's covered with
Average Limits
Work with patients or clients
Trips, slips, and falls in your workspace
General Liability
$2 million aggregate
$1 million each occurrence
Give professional diet or nutritional advice
Illnesses, allergic reactions, or deaths
Professional Liability
(Malpractice Insurance / Errors & Omissions)
$1 million aggregate
$500,000 each occurrence
Have patients who may become sick
Accidents that result in bills or lawsuits
Medical Expense Coverage
$5,000
Teach in a location you do not own
Property damage you have to pay for
Damage to Rented Premises
$200,000
Take online payments or store client records online
Losing online funds and identity theft
Cyber Liability Insurance
$100,000
Advertise your services and business
Copyright infringement and lawsuits
Personal & Advertising Injury
Included in general / professional liability

Common Coverages & Limits

When looking for a policy, you may need specific coverage for contract obligations or something that covers the work with the needs of your business. It’s important to know how your insurance plan works, what it covers, and if there are additional policies you might want in a plan.

Common Coverages & Limits

When looking for a policy, you may need specific coverage for contract obligations or something that covers the work with the needs of your business. It’s important to know how your insurance plan works, what it covers, and if there are additional policies you might want in a plan.
Not all insurance policies are created equal, which is why it’s important to do your research. The cheapest insurance plan might not always give you the best coverage options or come with low limits. Others might be over charging you for coverage you may never use. Whichever plan you choose, make sure it best fits your needs as a health and wellness professional.

Diet Professionals Insurance Comparisons

Insurance Canopy white logo Hiscox Insurance Thimble Insurance
Annual policy: $204
Annual policy: $853
Annual policy: $500
General & Professional Liability: $3 million aggregate / $2 million each occurrence
General & Professional Liability: $3 million aggregate / $1 million each occurrence
General & Professional Liability: $2 million aggregate / $1 million each occurrence
Damage to Rented Premises: $300,000
N/A
N/A
Gear & Equipment Coverage (optional): $2,000
N/A
N/A
Medical Expense Coverage: $5,000
N/A
N/A
Cyber Liability (optional): $100,000
N/A
N/A

Aggregate VS Occurence

Aggregate: This is the total amount your insurance carrier will pay for a claim during a policy period. Oftentimes one insurance plan will have multiple policies listed on it. They might share an aggregate limit—meaning if you have a claim for professional liability coverage and another for gear and equipment coverage, they will both deduct out of this total limit.
Each Occurrence: This is the maximum amount your insurance carrier will pay per claim you have. This number may be lower than the aggregate limit. If you have a $1,000,000 aggregate with a $500,000 each occurrence limit, that means your plan can only pay up to $500,000 for one claim at a time. Each occurrence limits can help to prevent you from maxing out on your insurance coverage all at once on a single claim so you can still have coverage the remainder of the year.
A woman sits ready to do pilates.