Fitness Instructor and Personal Trainer Insurance

Specialty insurance solutions tailored to your unique needs.
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Strengthen your coverage and elevate your confidence with customized liability insurance solutions.

Gain peace of mind and boost your professional confidence knowing that you are covered by XINSURANCE’s specialized insurance solutions for fitness professionals.

The Importance of Insurance for Fitness Instructors & Personal Trainers

As a fitness or training instructor, you are in a rather vulnerable position. The risk of accidents resulting from physical injuries is highly likely, as your work requires you to have direct physical contact with your clients. You are therefore more likely to be blamed for a client’s injury, regardless of your professionalism and proper fitness training and instruction. Without the proper coverage, you are exposing yourself to significant personal liability.

That’s where XINSURANCE comes in. We specialize in providing liability insurance solutions specifically for fitness instructors and personal trainers. With our expertise and experience, we are your trusted partner in ensuring that you have the necessary protection to continue pursuing your passion with peace of mind. Don’t let the potential for accidents and unforeseen circumstances derail your fitness career. Let XINSURANCE provide you with the insurance solutions you need to safeguard your professional reputation and financial security.

Fitness Professionals Who Need Insurance

  • Fitness Instructors
  • Personal Trainers
  • Fitness Professionals
  • Gym Owners
  • Yoga Instructors
  • Pilates Instructors
  • Aerobics Instructors
  • And More!
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Fitness Instructor & Personal Trainer Insurance Coverage Options

General Liability

Fundamental coverage that can protect fitness professionals from third-party claims of bodily injury and property damage.

Professional Liability

Also known as Malpractice or Errors and Omissions Insurance (E&O), this coverage can protect you against allegations of professional negligence, improper instruction, or failure to provide adequate fitness training and guidance. Learn more.

Products Liability

If fitness professionals sell or distribute fitness products, such as supplements or training equipment, this coverage can protect against claims of bodily injury or property damage caused by a defective or unsafe product. Learn more.

Property Coverage

This coverage protects fitness professionals’ business property, such as exercise equipment, office furniture, and inventory, against risks such as theft, fire, vandalism, or natural disasters. It can provide funds to repair or replace damaged property.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Fitness Instructor & Personal Trainer Insurance

Is it required to have liability insurance as a personal trainer or fitness instructor?

Liability insurance is generally not required by law, but many gyms and fitness studios require their trainers and instructors to carry their own insurance.

Independent or freelance personal trainers are not required by law to carry liability insurance either but it is highly recommended! It’s essential because accidents can happen despite your best efforts, and without coverage or without sufficient coverage, you could be liable for costly legal fees and settlements.

How much does liability insurance for fitness professionals cost?

The cost of liability insurance for fitness professionals varies depending on the coverage limits, the type of services you provide, your experience level, your location, and more. It is best to contact us and tell us more about yourself and your insurance needs so we can provide a personalized quote.

Is it advisable to purchase the cheapest personal trainer insurance policy to save money?

We believe that settling for cheap insurance is not the best choice when it comes to protecting yourself or your business. Cheap insurance policies often fail to deliver comprehensive coverage tailored to your specific needs, leaving you exposed to risks and potential financial losses. We advocate for choosing true insurance solutions that offer customized coverage and reliable support, ensuring that you are adequately protected from uncertainties and unexpected events. Don’t compromise on the quality of your insurance coverage – opt for true insurance with XINSURANCE for a secure and trustworthy insurance solution.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service