Why do fitness instructors need insurance coverage?
Your goal is to improve your clients’ health, but exercise can also cause injuries. Business insurance helps cover expenses when someone claims your training caused an injury. It provides peace of mind and covers theft of exercise equipment, muscle strains, and other risks of personal training.
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What types of insurance do fitness instructors need?
These insurance policies cover common risks for group fitness instructors.
General liability insurance
A general liability policy covers basic third-party risks, such as a competitor who sues for slander over a video you posted on social media. Bundle it with property insurance for savings in a BOP.
- Accidents during training sessions
- Customer property damage
- Slander and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for fitness instructors to buy general liability coverage and commercial property insurance together.
- Customer bodily injuries
- Accidents that damage customer property
- Stolen or damaged business property
Professional liability insurance
This insurance covers legal expenses if a client claims your fitness class caused an injury. It’s sometimes referred to as errors and omissions insurance (E&O).
- Professional negligence lawsuits
- Claims your instructions led to injury
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for fitness studios that have employees. It also protects independent contractors and the self-employed from costly work accidents.
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your fitness training business. Each state has its own requirements for auto liability insurance.
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your fitness company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
How much does insurance cost for fitness instructors?
A small fitness center will pay less for insurance coverage than a larger business.
Factors that affect fitness instructor business insurance costs include:
- Fitness services offered, such as aerobics, tennis, or golf instruction
- Fitness equipment and other business property
- Business income
- Business location
- Types of insurance purchased
- Deductibles, policy terms, and other coverage options
Strengthen your business with insurance
There's healthy...and then there's business healthy. Strengthen your small business with the right insurance protection..
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On the job, it always helps to know you have a strong base. And we've got your back with top-rated policies at affordable prices.
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How do I get fitness instructor insurance?
It's easy to get business insurance for fitness instructors, personal trainers, and yoga instructors if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for your fitness business, whether you teach aerobics classes or own a health club.
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