FROM OUR PARTNERS

Best Fitness Instructor Insurance of 2022

Bryan Keith

As a fitness instructor, you have your clients’ health in your best interests. But accidents can happen that cause injury which can result in a client pursuing legal action against your business. Fitness instructor insurance protects your business for damages and liability due to accusations of negligence and professional mistakes. We’ve evaluated the best fitness instructor insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

What is fitness instructor insurance?  

If someone gets hurt or injured during an exercise class, you could be held liable for medical expenses and the treatment required to recover. As fitness classes can involve using equipment and machines, the risk of injury is high. 

Fitness instructor insurance can provide coverage for accusations of malpractice, property damage, and legal defense costs. 

Who needs fitness instructor insurance?

Anyone that works as a fitness instructor teaching a class or provides guided workouts should consider fitness instructor insurance.

Types of classes that can be included are aerobics, barre, circuit training, cross-training, dance instruction, pilates, yoga teachers, personal trainers, kickboxing, and aquafit.

If you’re in doubt whether your class is covered by your insurance policy, it’s a good idea to call up your insurer and ask before purchasing the policy. 

What insurance do fitness instructors need?  

When taking out fitness instructor insurance, it’s important to consider different types of coverage and policies to adequately cover your business for legal liability and potential financial losses.

The most common types of coverage for fitness instructors are:

General liability insurance

General liability insurance helps fitness instructors cover basic risk factors such as damaged property and accidents. If someone gets injured during a fitness class, or property gets damaged due to broken or faulty equipment, general liability insurance can help pay for medical expenses and legal fees related to the accident. 

Coverage for general liability insurance can include legal fees, judgments, settlement costs third-party medical expenses, third-party property damages, accusations of libel and slander, and reputational harm. 

Exclusions include auto accidents, medical expenses for employee injuries and illnesses, professional errors and mistakes.

Professional liability insurance

Sometimes referred to as errors and omissions insurance, policies can cover professional mistakes and errors if a client accuses you of not providing the correct instructions or advice, resulting in a financial loss. For instance, while teaching an aerobics class a client could incorrectly follow your instructions which leads the client to fall, get injured, and require medical treatment that leaves the client with out-of-pocket losses. Or a client could take legal action against you if you didn’t meet their expectations. 

Professional liability insurance provides coverage for accusations of negligence, missed deadlines where you didn’t complete a program and the client wants you to pay for financial losses, legal judgments, and business errors. 

Exclusions can include property damage, workplace accidents, intentional acts of wrongdoing, and property damage. 

Commercial property insurance

Often called a business owner’s policy, where general liability and commercial property insurance are combined, protects damage done to property and equipment required for business purposes. This includes instances where a fire causes damage to your fitness studio and you’ll need to repair damages. 

Commercial property insurance can provide coverage for damaged equipment and inventory, lost income, equipment breakdowns, repairs to the structure of your building, and operating expenses. 

Exclusions can include repairs due to wear and tear, flood damage, and earthquake damage. If you live in a state that has a high risk of earthquakes, you may be able to buy a policy add-on or take out separate coverage. 

Workers’ compensation insurance

If your fitness studio has employees, in many states it is a requirement to have workers’ compensation insurance in place to protect employees against accidents and injuries. For instance, an employee could be teaching a class and injure themself due to failing to warm up, or using faulty equipment could cause an injury that requires time off to recover. 

Workers’ compensation insurance coverage can protect your fitness studio employees and instructors for medical expenses lost wages, employer liability, legal costs, settlement costs, permanent injury, and survivor benefits.  

Exclusions to workers’ compensation insurance can include pre-existing medical conditions for employees, and coverage for professional mistakes.  

What are the limits of fitness instructor insurance?

When taking out a fitness instructor insurance policy, it’s important to consider limits to adequately cover yourself for risks. If your insurance claims exceed your coverage limits, the legal costs and medical costs may need to be paid out-of-pocket by your business. 

Some limits for general liability policies can go up to $1,000,000 per policy period. Other insurers can cover you for $2,000,000 or more depending on the size of your business.  

How much does fitness instructor insurance cost?

Several factors go into the calculation of fitness instructor insurance, and policy premiums can vary from one fitness studio to the next. The average cost of general liability insurance can be $30 a month, and for professional liability insurance, you can expect to pay $35 a month depending on the risk of a lawsuit. 

Here are some factors that insurers will consider when providing a quote:

  • Years of experience: As a new fitness instructor, you are more likely to make mistakes due to lack of experience. This can increase your premium compared to a fitness instructor with several years of experience.
  • The number of hours you work: If you are a part-time fitness instructor, as you work fewer hours, your premiums are likely to be lower. When taking out an insurance policy, it’s important to be aware of any limits on the number of hours worked. Exceeding the limits could void your insurance policy. 
  • Size of business: Larger fitness studios are likely to have more customers, increasing the possibility of an accident or injury. 
  • Sports and fitness services offered: Some fitness services such as boxing could be considered more dangerous than an aerobics class, as the chances of injury are higher. This can increase your insurance premium.
  • Value of business equipment: If your fitness studio uses a lot of equipment that could be considered valuable, including any safety equipment for classes, this can impact your commercial property insurance policy. 
  • Deductibles: The deductibles for your fitness insurance policy can vary between insurance providers and many providers allow you to adjust deductibles according to your needs. Typically, higher deductibles lower your insurance policy as you’ll be paying a larger amount for expenses and claims out-of-pocket. 

How to choose the best fitness instructor insurance

When looking for the best fitness instructor insurance policy, here are some key factors to consider before you make a purchase:

  • Limits on class size: Some fitness instructor policies can have limits on class size. If your class goes over the limits set by your policy, your insurer could reject any claims you submit. 
  • Umbrella policies: When insurance claims exceed the limits of existing coverage, umbrella insurance can help fill the difference in what the business needs to pay and the insurance limits. Umbrella insurance can help pay for higher-than-expected legal costs and medical expenses. 
  • Online fitness classes: If your fitness studio provides online classes for clients, some insurance policies can provide coverage for virtual sessions. It’s a good idea to read the fine print before you take out your policy to ensure that coverage is adequate for your business needs.