Business Insurance for Fitness Instructors

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Fitness Instructor
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Stolen exercise equipment or a lawsuit alleging your instruction caused injury can greatly impact your small studio. Safeguard it with policies designed for fitness instructors.

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One application, multiple quotes

Insureon helps fitness instructors compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do fitness instructors need?

These policies cover the most common risks of group fitness businesses.

Business owner’s policy icon

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 injuries
  • Damaged customer property
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers common group fitness risks, such as an injury in your exercise class caused by a dropped weight. Bundle with property insurance for savings in a BOP.
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for fitness studios that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for group fitness instructors can cover legal expenses if a client claims that improper instruction led to an injury.

  • Professional negligence lawsuits
  • Claims your instructions led to injury
  • Work mistakes or oversights
Looking for different coverage? See more policies.

Why do fitness instructors need insurance?

As a fitness instructor, you help transform your clients’ health. However, exercise can also cause injuries. Fitness instructor insurance can help cover expenses when dealing with an allegation that your training caused an injury. It can also cover theft of exercise equipment and other risks unique to fitness training.

How much does fitness instructor insurance cost?

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Professional liability insurance costs fitness instructors less than $35 per month. Several factors will have an impact on insurance costs, including:

  • Sports and fitness services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Fitness Instructor