Fitness Instructor Insurance

Powerfully Crafted Insurance For Fitness Professionals


Save an Additional 13%
with an Annual Plan

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4.7/5 stars from 571 reviews on Feefo

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Affordable Insurance for Fitness Professionals

What Is Fitness Instructor Insurance?

Fitness instructor insurance is designed to help cover the cost of first- and third-party claims for:

Unfortunately, accidents do happen, but having insurance can help you keep your business operations running smoothly and save you thousands in out-of-pocket expenses. In the case of a lawsuit, an insurance policy can help you cover the costs whereas a client safety waiver cannot.

Not to mention, insurance for fitness instructors can be used by those who may teach outside of a gym — such as online, at spas, in corporate offices, or at health facilities. Insurance Canopy’s policies meet the needs of a variety of different facilities and allow you to add additional insureds to your plan.

Plus, our occurrence form coverage gets you lifetime protection on claims that occur during your coverage period!*

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How Much Does Fitness Liability Insurance Cost?​

Fitness insurance with Insurance Canopy starts at $15 a month for our basic plan and equipment coverage. You can save an additional 13% by switching to our annual plan that starts at $159 a year.

Because no two trainers are the same, the cost of your policy is tailored to you. Your annual revenue, past claims history, training style, and additional coverages can impact the price you pay. Get a free quote in minutes and see what we can do for you!

Trusted Coverage From Insurance Professionals

You're In Good Company With Insurance Canopy

Here's what other people have to say about their experience.

Sheri Lowe
Sheri Lowe
Business Owner
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"Great insurance company"

Great company easy to work with, and they even sent me reminders about my renewal!!!! Thank you so so much
Alex Churchill
Alex Churchill
South Florida
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"Fast, easy, and always there when I need it! "

Fast, easy, always there. As a mobile dj it’s important to me to have access to a cost friendly insurance option when needed. That’s exactly what you get! Great policy at a great rate. Thanks!!!
Lilly-Mae Gallagher
Lilly-Mae Gallagher
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"Reliable & Affordable"

Very reliable and affordable insurance. Customer service is outstanding and hassle free when renewing.
Micah Strickland
Micah Strickland
Orlando FL
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"The online application was very easy to use definitely will use again"

My first time using this Company I like the ease of navigating through the site.
Aalia Nicholson
Aalia Nicholson
Business Owner
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"So easy and quick to get the coverage I needed."

I loved working with insurance canopy. Their customer service was so available and willing to answer my questions as a first time business owner. Great pricing, quick, and easy.
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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.


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.


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


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.


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.


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.


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


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. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$2,000 – $10,000

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.


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.


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.


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Questions About Fitness Instructor Insurance

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.