Fitness Instructor Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

Fitness instructor insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the affordable fitness instructor insurance you need to protect your fitness business from accidents, injuries, and legal fees. Our business insurance packages typically include:

General liability
Professional liability
Workers’ compensation
Commercial property

ERGO NEXT specializes in business insurance for fitness instructors

The best insurance for fitness instructors is usually several types of policies that help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance

Protection for injuries to non-employees and damage to other people's property

General liability insurance can help cover the everyday risks of working with clients. It can provide financial protection if a client gets injured during a group fitness class, training session or warm-up — or if you or your employees accidentally damage someone else’s property at a gym, studio or client’s home.

general liability can help you pay for:

Medical expenses for non-employees

Damage to property you don’t own

Legal fees and judgments

Workers’ Compensation insurance

Coverage for employee work-related illness and injuries

If you have employees, workers’ comp is required by law in almost every state. It can help cover the costs of medical bills, job retraining and cover some lost wages during recovery. Adding optional business owner’s coverage can help give business owners or the self-employed some of the same protections if they’re injured or fall ill from work.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Commercial Property insurance

For business owners who own or rent physical spaces

Commercial property insurance can help protect your physical business assets, such as studio space you own or rent, and gear located at your studio that you use for classes like exercise equipment, weights, mats, mirrors and sound systems. If your business property is damaged by a covered event — such as a fire, theft or vandalism — commercial property insurance could help pay for repairs or replacements. This type of insurance may also cover lost income if you’re forced to temporarily pause classes or training.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

ERGO NEXT Insurance reviews

For Personal Trainers AND Yoga Instructors

There might be a fair amount of insurance providers who provide coverage for both, but Next was the quickest to respond! The process was super straight forward and understandable.

Edward S.

The Best!

This insurance company is Awesome, very good customer support, and it’s the cheapest so you pay less, highly recommended!

Shereen S.

I’m a brand new customer

Great service so far!

Maria P.

Easy

It was easy to get insurance. Plus you can choose between monthly payments and annual payments. I love that! And you can use a credit card if you want to. Easy!

Berny K.

Great!

Tony P.

Next Insurance for Liability Personal Training

It was easy to sign up and a great price for Personal Training Liability Insurance

Lorraine B.

Owner

Agent service was excellent

Mark B.

Easy to enroll.

Christopher M.

Personal Trainer

Best insurance in the area

Victor L.

Fast easy and affordable

Samuel J.

Save up to 25% in discounts on fitness instructor liability insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does fitness instructor insurance cost?

The cost of insurance for exercise professionals varies based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do

Everything you want to know about Insurance

Fitness instructor insurance requirements

Fitness instructors are almost always required to have insurance due to the risk of exercise-related injuries and incidents. You might need insurance to:

Win new business. Gyms and other clients might ask you to have active insurance — usually general liability.
Hire employees. Most states require workers’ compensation.
Repair or replace property you own or rent. Protect your inventory, fitness equipment and even the building that you lease or own.

Fitness instructor insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

How does business insurance protect fitness instructors?

Our fitness instructor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You accidentally crack a mirror when cleaning up after teaching a class at a gym. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips a disc while working out with you and blames you for the injury. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A fitness center operator claims that you left a door unlocked, which leads to a burglary. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You hurt your back while helping the owner of a local gym move a treadmill. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Damage to your own property

Your gym space is flooded when a frozen pipe bursts. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

More professions that are covered by ERGO NEXT

Aerobics Instructor, CrossFit Coach, Dance Instructor, Fitness Instructor, Golf Coach, Gym & Fitness Studio, Indoor Cycling Instructor, Martial Arts Instructor, Personal Trainer, Pilates Instructor, Sports Coach, Umpire, Yoga Teacher, Zumba Instructor

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

Next Insurance App available on the App Store

Get the Next Insurance App on Google Play