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Personal and professional protection for personal trainers and instructors of individual
or group exercise programs such as Pilates, yoga, martial arts and more.

Work in more than one facility? No problem! Our coverage follows you wherever you work in the US, whether you operate out of a single club, multiple clubs or at a public facility such as a local park or activity center.

Questions? Call us at (800) 844-0536.

Additional Insureds are FREE with the EZApp

Apply Here

Liability Coverage Options for Fitness Professionals

Scroll down for a general description of Liability Coverages provided under this program.

Coverage for Personal Trainers, Yoga and Pilates Instructors

You are unique and so are your coverage needs. We offer multiple levels of coverage so that you can be confident that you are protected, without paying for excess coverage that you don’t need.

If you teach exclusively group exercise classes, you may be eligible for lower rates. Check out our lower rates for group exercise instructors or call us at 800-844-0536.

$500k

  • $500,000 Each Occurrence, Includes Professional Liability
  • $1,000,000 General Aggregate
  • $500,000 Personal and Advertising Injury Limit
  • $500,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $160

$25 Part time substitute contractor (5 hours or less per week)
$25 Additional Insured (gyms, studios or clubs where you teach)

$1M / $2M

  • $1,000,000 Each Occurrence, Includes Professional Liability
  • $2,000,000 General  Aggregate
  • $1,000,000 Personal and Advertising Injury Limit
  • $1,000,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $185

$25 Part time substitute contractor (5 hours or less per week
$25 Additional Insured (gyms, studios or clubs where you teach)

$1M / $3M

  • $1,000,000 Each Occurrence, Includes Professional Liability
  • $3,000,000 General Aggregate
  • $1,000,000 Personal and Advertising Injury Limit
  • $1,000,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $200

$25 Part time substitute contractor (5 hours or less per week)
$25 Additional Insured (gyms, studios or clubs where you teach)

$2M / $2M

  • $2,000,000 Each Occurrence, Includes Professional Liability
  • $2,000,000 General Aggregate
  • $2,000,000 Personal and Advertising Injury Limit
  • $2,000,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $215

$25 Part time substitute contractor (5 hours or less per week)
$25 Additional Insured (gyms, studios or clubs where you teach)

$2M / $4M

  • $2,000,000 Each Occurrence, Includes Professional Liability
  • $4,000,000 General Aggregate
  • $2,000,000 Personal and Advertising Injury Limit
  • $2,000,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $230

$25 Part time substitute contractor (5 hours or less per week)
$25 Additional Insured (gyms, studios or clubs where you teach)

Coverage for Group Exercise Instructors

If you teach only group exercise classes, you qualify for our Group Exercise Rate.

Note that trainers who work one-on-one with clients are not eligible for this classification and should check out Coverage for Personal Trainers, Yoga and Pilates Instructors.

$1M / $2M

  • $1,000,000 Each Occurrence, Includes Professional Liability
  • $2,000,000 General Aggregate
  • $1,000,000 Personal and Advertising Injury Limit
  • $1,000,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $185

$25 Part time substitute contractor (5 hours or less per week)
$25 Additional Insured (gyms, studios or clubs where you teach)

$2M / $4M

  • $2,000,000 Each Occurrence, Includes Professional Liability
  • $4,000,000 General Aggregate
  • $2,000,000 Personal and Advertising Injury Limit
  • $2,000,000 Fire Damage Limit – any one fire
  • $10,000 Medical Expense – including participants

Premium $230

$25 Part time substitute contractor (5 hours or less per week)
$25 Additional Insured (gyms, studios or clubs where you teach)

Coverage provided under these programs includes:

General Liability

Provides premises protection for any claims arising from the facilities you own, rent or occupy. You are indemnified for alleged negligence resulting in bodily injury, property damage or personal injury.

Professional Liability

Protects you against bodily injury to a client arising from a failure to render “professional services,” defined as “the providing of physical training, fitness counseling and nutritional counseling for a fee.”

Personal Injury

Protects against suits involving libel, slander and wrongful invasion of privacy.

Advertising  Injury

Protects against claims arising out of misappropriation of advertising ideas such as the infringement of copyright on titles or slogans committed in the course of advertising your services.

Limited Cyber Liability

Provides Personal and Advertising Injury coverage for incidents that result from an unauthorized person hacking into your computer network or website.

Medical Payments (including members)

Reimburses a third party for medical expenses incurred as a result of bodily injury. Unlike most General Liability policies, our policies include coverage for Athletic Participants.

Please email Olivia Brown, or call us at (800) 844-0536 if you have questions.