Fitness Instructor Insurance

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

Choose your primary coverage to get started:

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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

You can save up to 25% in discounts on fitness instructor insurance

You can pay for your insurance monthly or annually and you can cancel instantly 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

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of fitness instructor accidents and basic risks. You’ll have financial protection if someone gets hurt during a fitness class or group training session or you are held responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of causing someone an injury, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers’ Compensation

For self-employed business owners and those who hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees in your fitness business. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your fitness business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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

Learn more about fitness instructor insurance costs and coverage.

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.

Frequently asked questions about business insurance

Here are some of the most common questions we get about fitness professionals insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

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.

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

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More professions that are covered by 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

* 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.