Insurance for fitness instructors
If you’re a fitness instructor, you need small business insurance. Any routine exercise can cause harm – which makes every client a potential risk. They can still file a claim against you and your business even if they sign a waiver. Sometimes accidents happen and that’s why you need coverage – to protect you and your business. If one of your clients ever filed a claim against your fitness business, insurance will help cover the cost of these claims so you’re not out-of-pocket.
Whether you’re a fitness instructor, dance instructor, personal trainer, yoga or Pilates instructor, CrossFit trainer, health coach, or own your own fitness center, you need fitness insurance to protect your small fitness business.
Fitness professionals we serve:
- Fitness clubs
- Gym owners
- Fitness instructors
- Yoga instructors
- Personal trainers
- Studio owners
- Dance instructors
- And More
When you’re working as a fitness instructor, you’re responsible for helping your clients reach their fitness goals. What if one of your clients claimed that your instructions led to their experiencing an injury? If you ever find yourself in this situation, insurance can definitely come in handy.
It’s simple. Business insurance helps cover the costs of any accidents, injuries, lawsuits, and third-party property damage related to your small fitness business. Which policy is best for you? Let’s find out!
Fitness professional professional liability
Any client can file a claim against you if you give them advice that results in their injury. Professional liability insurance helps cover all types of fitness instructors if they happen to make a mistake while working that results in injury. This basic insurance policy helps protect your small business if one of your clients claims that you gave them improper instructions, were somehow negligent, or failed to deliver promised services come true.
Professional liability protects you against:
- Professional carelessness
- Wrongly given advice
The majority of fitness instructors pay $30/month for professional liability, which averages around $360/year.
Fitness instructor liability insurance
General liability insurance is a must for all fitness instructors. This policy covers common risks for small business owners, including covering client injuries, advertising injuries (like libel and slander), and property damage. General liability helps cover medical bills, attorney fees, and court-ordered judgments.
- Slip and fall accidents
- Damaged client property
- Slander or libel lawsuits
Let’s say you have large fans in your gym, and someone trips on a cord, fracturing their wrist. Rather than you paying for the medical bills out-of-pocket, general liability would foot the bill.
General liability insurance for fitness instructors costs less than $25/month for most.
Workers’ comp for fitness professionals
When it comes to workers’ comp insurance, you must understand what your state requires to avoid paying any penalties. If you have employees, odds are you will be legally required to have this type of insurance. Workers’ comp helps pay medical bills and lost wages if you or an employee happens to suffer an injury or illness while at work.
Workers’ comp covers:
- Work-related illnesses and injuries
- Medical expenses for employees
- Missed wages
- Legal costs
As a fitness instructor, you can expect to pay around $63/month for workers’ comp insurance.
Learn about the cost of workers’ comp insurance.
Fitness instructor property insurance
Property insurance helps cover damaged equipment, lost income, as well as operating expenses. Whether you own or rent a fitness space, you need it to prevent paying high replacement or repair costs if damages were to occur.
If a water pipe bursts and causes flooding, property insurance will cover your small fitness business damages until you can get back up and running.
Property insurance for fitness instructors averages $43/month, or $516/year.
Business owner’s policy (BOP) for fitness instructors
If you’re looking for the most bang for your buck, you might consider a business owner’s policy. It’s a packaged policy that combines general liability insurance and commercial property insurance into a bundled deal.
The cost of a business owner’s policy depends on what you do, and what you want to cover. Either way, a BOP is more affordable than buying each of the policies separately.
Learn about the cost of a business owner’s policy.
Additional insurance coverages for personal trainers
Many fitness instructors are now choosing to store their clients’ information online, making it easier to access and keep track of client information. If you’re a fitness instructors who stores their client information online and/or offers their client’s electronic payment options, then you should also consider adding cyber liability insurance to your fitness insurance policy.
Cyber insurance helps protect you and your business in case of a cyber-attack. All small businesses should have the proper security, as unprotected businesses are more likely to be a target of these common attacks.
Fitness insurance cost
When it comes to insurance for fitness instructors, the cost of your fitness policy is based on your small business. Since your fitness policy is customized specifically for you, you can plan on paying the best rates possible. The list below is what helps determine the final cost of your policy.
- Fitness services offered
- Training style
- Business equipment used
- Number of employees
- Years in business
- Coverage limits
- Deductible amount
- Claims history
Learn about how much business insurance costs.
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