Save an Additional 14%
with an Annual Plan
The coverage you need at a price you’ll enjoy—wherever, and however you train. We insure fitness professionals who work online, in the gym, or at multiple locations.
1 Additional Insured – $15 | Unlimited Additional Insureds – $30
General Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
The amount that 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 general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.
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.
Fitness instructor insurance is designed to help cover the cost of first- and third-party claims for:
Unfortunately, accidents do happen, but having insurance may help you 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.
Insurance can also help those who may teach outside of a gym—such as online, out of their home, at spas, in corporate offices, at private clubs, or at health facilities. Insurance Canopy’s policies meet the needs of a variety of different locations and allows you to add additional insureds to your plan.
Fitness insurance with Insurance Canopy starts at $12.50 a month for our basic plan and equipment coverage. You can save an additional 14% by switching to our annual plan that starts at $129 a year. Adding optional coverages or a past claims history may raise your premiums.b
Liability insurance for fitness instructors can cover many common claims, such as slip-and-fall incidents or claims of bodily harm. It can also help cover claims of:
If a client is hurt and unable to work, they could hold you responsible for covering the cost of medical bills, lost wages, and 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.
With Insurance Canopy you don’t have to worry about handling a claim alone. Even if you have clients sign a waiver before working with you, there are a lot of legal loopholes that lawyers can find. If you’re faced with a claim, your waiver cannot offer you the same financial support your insurance policy can.
Regardless of your title, all fitness instructors should have general and professional liability insurance. These are the two most basic insurance policies that can help you in the case of an accident on your property or an injury sustained under your instruction.
Our fitness instructor liability insurance combines general and professional liability into one base plan. We also offer additional endorsements, such as tools and equipment coverage and cyber liability insurance, to help you customize your plan and limits to your specific needs.