Business Insurance for Fitness Instructors

Compare multiple quotes from top carriers with one application.

Fitness Instructor

Or call us at (800) 688-1984

Several people doing sit-ups in an exercise class.

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Save money by comparing insurance quotes for fitness instructors

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.

Three people doing stretches in a fitness studio.

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

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.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

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.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

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.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

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.

BEST FOR

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?

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 equipment and property
Revenue
Location
Number of employees

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant