Next Insurance

Fitness Insurance

You can save up to 25% in discounts with instant coverage.*

Fitness instructor insurance
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Keep your business in shape with affordable fitness insurance

NEXT Insurance is a one-stop shop for fitness business insurance. While you get your clients’ heart rates up we keep yours down by covering all your risks with quick, easy and affordable insurance. You can save up to 10% when you bundle two or more of our policies.

We specialize in sports and fitness insurance

Choose your profession for more information or get a customized quote for your business

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

Why do fitness professionals need business insurance?

Sure, your clients might thank you for aches and pains after a tough workout, but it could be a different situation if they experience more significant pain. They could claim that your fitness coaching caused an injury or emotional harm.

If you have business insurance, you won’t have to pay entirely out of pocket to defend your business or solve the problem.

Get business insurance coverage

Fitness liability insurance

Fitness liability insurance can help cover costs if someone accuses you of causing an injury or damaging property that doesn’t belong to you. It’s usually required if you plan to offer your services in a gym or rent your own space.

We combine two types of liability insurance in our business insurance packages:

General liability is the insurance coverage most instructors buy first because it covers the two biggest risks that you face every day — injuries to other people and damage to property that doesn’t belong to you.

Professional liability provides financial protection if someone claims you didn’t provide the services you agreed on or you gave advice that led to financial harm.

How much does insurance cost

How much does fitness business insurance cost?

You can save up to 25% in discounts when you buy fitness insurance with NEXT. The exact amount you pay will depend on:

  • The types of fitness or coaching services you offer
  • The location of your gym or studio
  • If you have employees

Business insurance has never been easier

Customized business insurance to protect you and your clients
Business insurance in less than 10 minutes

Get covered in 10 minutes and you can save up to 25% in discounts

Easy monthly payments

Instant proof of insurance and easy monthly payments

Get business insurance online

Do it all 100% online or talk to a licensed U.S.-based advisor

Other important business insurance coverage for fitness pros

Liability insurance is essential for covering your bases but you may want to add other types of business insurance to protect yourself and your employees.
We typically recommend:
Workers' Compensation Insurance
Workers’ Compensation

If you’re an active coach or fitness instructor and you break your ankle during practice, some of the costs of your medical bills will be compensated if you have workers’ compensation. Owners’ coverage is specifically designed for business owners who may not have employees but want an extra layer of protection for themselves.

Note that if you don’t have workers’ comp and you are injured at work, you might not be covered by your personal health insurance.

This coverage is required for businesses with employees in every state except Texas.



Learn more about workers’ comp.

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Frequently asked questions about fitness insurance

What insurance should I get if my work involves multiple types of sports?

Your sports and fitness insurance policy will be customized for whatever you do, even if you don’t fit into one category. When you apply for an instant quote online, you’ll be asked to list what percentage of your time you spend on each business activity.  We’ll create a customized insurance package based on what you share with us that can be customized based on your preferences. If you have any questions, our license, U.S.-based advisors are standing by to help.

What do I need to get an insurance quote online for fitness?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for fitness insurance, we’ll ask you a few basic questions about your business, including: 
  • The kind of fitness classes and services you provide
  • The location of the gym or studio where you plan to work
  • How many people you employ and how much you pay them

Can I add an additional insured to my fitness insurance?

Yes. We know it’s a common need for fitness instructors to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free. Learn more about additional insureds.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.
Certificate of Insurance

Need a Fast Certificate of Insurance?

Download the NEXT mobile app and get your COI in seconds.
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
What we cover

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© 2022 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.