Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.
Fitness instructors are crucial in helping people maintain a healthy lifestyle. But with the profession comes certain risks, like injuries to the client, damages to property, or even lawsuits.
To protect their careers and financial assets, fitness professionals need to obtain reliable insurance coverage. This article features fitness instructor insurance, including coverage for general liability, insurance for specific public liabilities, and available affordable policies.
Fitness instructor liability insurance protects trainers and instructors from claims made due to negligence and injury.
Whether you are a personal trainer, yoga teacher, Zumba instructor, Pilates instructor or a fitness coach, liability insurance guarantees that you do not bear the negative consequences of legal disputes and litigation resulting from your professional work.
For fitness instructors, the risks range from injuries to incurred clients or even damage to their property. Complete insurance coverage provides a safety net across different circumstances. The following insurance options are critical to fitness professionals.
Without general liability, a fitness instructor policy will never stand out. It covers claims for bodily injury and property damage sustained during the sessions.
Key Features:
Especially for instructors who work in public or shared spaces, this type of insurance is crucial.
Professional indemnity insurance, or “Errors and Omissions” insurance, is a claim covering services provided by a fitness instructor.
Key Features:
For example, if a customer claims that your instruction on training led to the aggravation of an injury, then this policy shall take care of all legal expenses and payments for compensation.
Product liability insurance is particularly important for fitness instructors that recommend or sell fitness products like resistance bands, dietary supplements, or exercise equipment.
Key Features:
This cover is very important for instructors who train with third party tools or products.
Due to the popularity of online coaching and virtual fitness classes, it is important to have an insurance policy that covers digital services.
Key Features:
Instructors are covered under virtual training insurance when they enhance their services to the digital market. It guarantees that instructors are protected as they expand their offerings into the digital world.
Fitness Trainer’s Equipment Insurance
Fitness instructors need specialized tools to teach their sessions, especially devised for development of fitness instructor’s skill to teach different levels of students. Protection of equipment ensures that such tools are protected from theft, damage or loss.
Key Features:
Get all the best quotes from leading providers in a click of a button!
This is crucial for mobile trainers as they carry their equipment from one location to the next. Insurance For Trainers: Fitness Trainers and Personal Trainers Liability Insurance
Because their work is one-on-one, personal trainers face unique risks. Fitness trainer liability insurance offers bespoke coverage that helps mitigate these risks.
Key Coverage Areas
Examples of Real Life Scenarios
These are areas where trainers and trainees can be wrong, but the liability fitness trainer insurance offers ensures trainers are financially protected.
This cover is very vital, for fitness instructors who work in public spaces or gyms. Public liability insurance helps protect physical exercise instructors against claims made by third parties for injuries or property that may have been damaged in the course of physical training.
Advantages of Public Liability Insurance
While pricing is a factor, it is equally essential to ensure that coverage is not compromised. The following is a; how to obtain low-priced insurance for fitness instructors guide:
Insurance Canopy is widely considered the best provider for fitness specialists as it offers low-cost but comprehensive policies for various professions under fitness including personal trainers, yoga teachers, and health coaches.
Pros:
Cons:
Rating: 4.5/5
Cost: $15/month
2.Insure Fitness Group (IFG)
The Insure Fitness Group caters to the needs of fitness professionals by offering them high-limit liability insurance. Their plans are comprehensive and include supplementary features such as identity theft insurance and discounts on various products.
Pros:
Cons:
Ratings:4.6/5
Monthly Cost:$16.41/month
ACE is well-recognized for its comprehensive coverage for instructors who teach in gyms, studios, or even outside. And lots of ACE-certified professionals have it.
Pros:
Cons:
Ratings: 4.4/5
Monthly Cost: $14.33/month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
