Sports and Fitness Business Insurance
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Commercial auto insurance for sports trainers and fitness instructors

Commercial auto insurance can help pay for costly accidents involving a fitness business's vehicle. Most states require this coverage for cars owned by a business.

Commercial auto insurance provides financial protection against auto accidents

You and your employees might be the safest drivers – but you still have to contend with other drivers on the road. An accident could lead to another person getting injured, or your company-owned vehicle getting totaled.

An auto accident could cause lasting financial damage to your small fitness business, especially if it leads to a lawsuit. When you compare the potential cost of an auto accident to the premium for commercial auto insurance (about $150 per month for small businesses), it's easy to see which is the better deal.

How does commercial auto insurance protect you?

Commercial auto insurance helps cover the cost of potential lawsuits, property damage, and other expenses arising from an accident. It can also cover the cost of replacement or repair if your vehicle is stolen or vandalized.

If someone sues your fitness business because of an injury or property damage caused by your vehicle, this policy will pay for your legal costs, including a settlement or court-ordered judgment.

Commercial auto insurance needs checklist infographic

Who needs commercial auto insurance?

Business-owned vehicles such as equipment trucks and mobile training vans must be covered by commercial auto insurance.

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

What coverage can commercial car insurance provide for sports and fitness businesses?

Beyond your state's requirements, you can choose the extent of coverage for vehicles owned by your fitness business. Your policy may cover:

Legal expenses

If your fitness business is sued over an accident, legal defense fees can add up quickly – especially if someone was injured. You could also end up having to pay a settlement or court-ordered judgment.


Collision coverage pays for damage to your delivery van or other work vehicle, regardless of who is at fault.

Uninsured motorists

This coverage pays for damage caused by drivers who don’t have insurance.

Non-collision damages

Comprehensive insurance covers non-collision damages including vandalism, theft, and fire.

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Personal vehicles may need additional coverage

Commercial auto insurance only covers business-owned vehicles, but sometimes self-employed business owners or employees drive their personal vehicles for business errands. Personal auto policies almost always exclude coverage for business use.

Hired and non-owned auto insurance (HNOA) provides liability coverage for business owners or employees who get into an accident while driving their own car, truck, or SUV to conduct company business. It also covers leased and rented vehicles.

Other important policies for fitness professionals

Commercial auto insurance protects against risks related to your vehicle, but you still need coverage for other common lawsuits and accidents. Sports and fitness business owners should also consider:

General liability insurance: This policy covers expenses related to customer injuries and property damage. It also covers advertising injuries, such as an accusation of slander.

Business owner's policy (BOP): A BOP bundles general liability coverage with commercial property insurance, often at a lower premium than if the policies were purchased separately.

Professional liability insurance: This policy covers legal costs related to negligence, such as improper instruction that led to an injury. It's sometimes referred to as errors and omissions insurance (E&O).

Cyber liability insurance: This policy helps fitness businesses recover financially from data breaches and cyberattacks. It's recommended for any business that stores customer information.

Workers' compensation insurance: Workers' comp is required by most states for businesses with employees. It helps pay for medical expenses from business-related injuries and illnesses.

Even when it's not required, workers' comp is recommended for business owners without employees as most health insurance policies exclude coverage for work-related injuries.

Get free quotes and buy online with Insureon

Are you ready to safeguard your sports and fitness business with commercial auto insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

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Updated: December 27, 2023
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