Business Insurance for Fitness Instructors

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Fitness Instructor
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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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One application, multiple quotes

Insureon helps fitness instructors compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of insurance do fitness instructors need?

These insurance policies cover common risks for group fitness instructors.

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 bodily injuries
  • Accidents that damage customer property
  • Stolen or damaged business property
General liability insurance icon

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
Workers’ compensation insurance icon

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
Professional liability insurance icon

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
Looking for different coverage? See more policies.

Strengthen your business with insurance

How much does sports and fitness business insurance cost?

Fitness professional in a tank top calculating insurance costs.

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 property and equipment
  • Types of insurance purchased
  • Per-occurrence limits, aggregate limits, and deductibles
  • Coverage options, such as additional insured endorsements
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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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