Personal Trainers Insurance and Fitness Instructors Insurance

Liability insurance for personal trainers and fitness instructors supervising individual or group fitness and exercise activities.

Specifically designed to meet the unique needs of a U.S. based personal trainers, exercise, aerobic or yoga/Pilates instructors directly supervising an individual or group engaged in fitness and exercise activities.

Pay as low as $194 for a rock-solid $1,000,000 Liability Limit that does not require you to join another expensive association and receive your Certificates of Insurance IMMEDIATELY.

Beware of other programs that don’t cover punitive damages and that nickel and dime you to death with a $30 charge for each additional insured. Read the fine print in competitor’s programs.

If you’re the owner of a fitness facility, click here to find out how to save up to 38% while getting the protection you need.

Limits of Liability and Annual Premiums

Each Occurrence Limit $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products/Completed Operations Aggregate $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
$1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented to You $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Medical Expense Payments (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000
Legal Liability to Participants $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100,000 $100,000 $100,000 $100,000 $100,000
1-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
$194 $284 $534 $784 $1,034
2-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
$338 $499.50 Not Available Not Available Not Available
1-YEAR PREMIUM (Non-Certified Instructors) $245 $360 $610 $860 $1,110
2-YEAR PREMIUM (Non-Certified Instructors) $429 $636 Not Available Not Available Not Available

Rates are available 01-01-2021 to 12-31-2021

Coverage is provided by a carrier rated A+ (superior) by A.M. Best Company.

ALL APPLICANTS: A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.

  • Rates are per instructor.
  • You are not required to join an association to qualify for coverage.
  • Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
  • A complete coverage description is included in the application.
  • Note to agents and brokers: There are no commissions included in this program.

Program Eligibility

What type of fitness classes are covered by fitness instructor insurance? Our fitness instructor insurance covers a wide array of training program niches. Eligible activities include:

• Acro Dance
• Aerial/Anti-Gravity/Suspended Yoga (certified instructors only)
• Acrobatic/Partner Yoga
• Aerobics
• Aquatic Exercise
• Cardio Kickboxing
• Children’s Fitness Programs
• Dance
• Exercise
• Fitness Bootcamps

• Hoop Fitness
• Personal Training
• Pilates
• Qigong
• Spinning
• Strength
• Tai Chi
• Yoga
• Tumbling (floor only, no gymnastics apparatus)

Program Ineligibility

  • Certified athletic trainers
  • Coaching of organized competitive athletic teams
  • Instruction of sports skill activities
  • Instructors under the age of 18
  • Instructor’s employment as an exempt or non-exempt employee of a school, university or college


Please print the application for additional exclusions contained in this policy.

Risk Management Content

Visit our Risk Management page to access the following important content most applicable to Fitness Instructors:

  • “Suffering the Injury and Blaming the Trainer”
  • Sample Waiver/Release-Minor & Adult
  • Are Waivers Worth The Paper They Are Written On?
  • Before You Sign The Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Emergency Information / Medical Consent Form

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.

Specialty Areas

Among all the fitness classes we cover with our personal trainer insurance policies, some of our most popular specialty areas include spinning, aerobics, Zumba, yoga, and pilates.

Spinning Instructor Insurance

What is spinning?

Trademarked by Mad Dogg Athletics, spinning puts a new “spin” on indoor cycling. Spinning, or spin classes, are high-intensity, anaerobic workouts designed to burn fat, calories, and reduce stress using a stationary bicycle. The bike allows for low-impact training that’s good for those with knee and hip problems. Classes typically last anywhere from 40 – 60 min with cycling intervals ranging from 5 – 10 min. The classes are usually a pretty intense environment with plenty of shouting, sweating, and fast-paced music. This competitive atmosphere has its pros and cons depending on the overall health of each participant.

Common spinning risk factors

As an instructor, you want what’s best for your class and want them to achieve their best results. Instructors will naturally lean toward being authoritative and pushing their classes to the limit. While that is what makes a spinning class fun, certain risks are involved with this type of strenuous activity.

  1. Individuals who are very unfit or have pre-existing heart conditions may be at risk of overexertion or developing other issues.
  2. Common injuries include ankle fractures and muscle damage.
  3. Many participants complain of back pain after being hunched over for an hour. It’s also challenging to maintain good posture over such a long period of time.
  4. Incorporating upper bodyweight exercises into a spin workout can be complicated for beginners leading to more posture issues, incorrect form, and ultimately, injuries.
  5. Sometimes, rare conditions such as rhabdomyolysis can occur where the muscles begin to break down after the release of a harmful protein into the body. This release occurs when the muscles undergo extreme levels of strain.

Instructors need to stress that class members have the proper handlebar and seat positions. Throughout a class session, instructors should also constantly remind participants to have an upright posture with shoulders pushed back. Remember that spinning may look similar to outdoor cycling, but many outdoor cyclists agree that spinning can be far more intense. Because of this and the risk factors above, we recommend getting spinning instructor insurance.

Why get spinning insurance for your spin class?

Accidents happen. As much as instructors may try, they will never have complete control over what a participant decides to do or how hard they choose to push themselves. Not everyone in a spin class is at the same level. As a result, those who are unfit may go as hard as someone who is and may injure themselves. Protect your business by getting a spin instructor insurance policy that best fits your spin class.

Our spinning instructor insurance plan can help you significantly reduce your liability. Sadler Sports Insurance helps spin instructors every day mitigate damages and expenses in the event of an accident or lawsuit.

Aerobics Instructor Insurance

What is aerobics?

An aerobics class is a fun, energized atmosphere that’s great for getting the heart pumping without getting too intense. Participants can work hard, but with a moderate style of training, not overdo their workout. The class focuses on structured, rhythmic movements that increase oxygen and blood flow through the body.

Aerobic exercise training focuses on many areas of the body, specifically, the larger muscle groups. In a class or studio setting, the instructor may use anything from lunges to pushups to jumping rope. Aerobic exercise, different from anaerobic exercise, raises the breathing rate and heart rate over longer periods. Anaerobic exercise does the same but over shorter, faster intervals. For example, running sprints. Even though aerobic classes may be “lower intensity,” that doesn’t mean they are not challenging or present instances where injury can occur.

Risks in an aerobics class

Most aerobics studio classes are a series of continuous movements and activities where the risks of overuse and improper form can be a factor. As an aerobics instructor, make sure your patrons have the proper technique when performing movements to help prevent injury. Though the exercise may not be as intense as an anaerobic exercise, there are still many risks such as:

  1. Twists of the knee or ankle
  2. Back injuries can be aggravated or even caused by aerobics
  3. Shin and foot pain resulting from overuse
  4. Muscle pulls or strains in the thighs or arms

These injuries can occur in even the most beginner aerobics studio class. There are other risks involved when incorporating other, more complicated activities such as dance or cardio. Take measures to reduce your liability and minimize risk by gauging your class’s overall fitness level. Instruct participants to wear adequate footwear and clothing.

Aerobics professional liability insurance

To further protect your aerobics business, we recommend having aerobics instructor insurance. Our aerobics liability insurance covers a wide array of potential pitfalls that can present themselves. Certain things you may not be aware of could suddenly leave you with thousands of dollars in damages and legal fees. Sadler Sports insurance for aerobics instructors is customized to fit the needs of your studio or facility and your style of training.

Save time by getting a quote in minutes using our instant online quote process. Get a quote today for aerobics instructor insurance with savings up to 38%.

Zumba Instructor Insurance

What is zumba?

Zumba is a form of aerobic activity designed to promote a healthy heart and improve flexibility. Originating in the 1990s, zumba is a type of dance fitness started by Alberto Perez. Zumba now has over 200,000 instructor-taught locations in 180 countries. Official zumba instructors must register with the trademarked Zumba Fitness organization. 

In a zumba class, movements are choreographed to the beat of up-tempo, international Latin and Salsa music. The movements can work to enhance:

  • Coordination
  • Balance
  • Agility
  • Strength
  • Flexibility

Remarkable dance skills are not required. Participants can feel free to have fun and go at their own pace. The training usually starts with a warm-up. The music starts slow, then gradually builds over the length of the class, getting more and more intense.

Common zumba risks and how to manage them

In this environment, where a group of rapidly moving bodies huddle close together, accidents are more than likely. Swinging arms and kicking legs could wind up giving someone a bloody nose or bruised shin. Many of these accidents are preventable by having the proper safety protocols, but some aren’t. After all, the nature of physical activity is injury. In this case, a solid zumba instructor insurance policy would give you a broader range of protection.

Every zumba instructor needs to be aware of the following common injuries:

  1. Ankle sprains
  2. Pulled hamstring
  3. Calf and shin injuries
  4. Muscle spasms

Make sure your class participants have good sneakers with enough support. Because the class has few breaks, remind everyone to hydrate BEFORE coming to class. Keep your newer patrons in mind when warming up and doing basic stretches. Encourage them to go at their own pace. If you don’t already, consider offering a separate class just for beginners.

What are the best options for liability protection?

Zumba instructor insurance is a great way to protect your business and safeguard yourself against lawsuits. If you’re an instructor, it should be one of the first things on your list of professional expenses. Consider a high-quality zumba liability insurance plan that will help protect you in case of an injury or accident while teaching a class. Our goal at Sadler Sports is to give you peace of mind with an adequate zumba insurance policy that’s customized to fit your business needs.

Aerobic Instructor Insurance
Fitness and Wellness Insurance
Fitness Liability Insurance
Personal Trainer Insurance
Fitness Insurance
Strength Trainer Insurance
Cardio Kickboxing Instructor Insurance
Fitness Instructor Insurance
Personal Trainer Liability Insurance
Tai Chi Instructor
Yoga Instructor Insurance
Exercise Instructor Insurance
Fitness Insurance
Dance Instructor
Pilates Instructor Insurance
Step Aerobics Instructor Insurance

General Liability and Professional Liability

General Liability insurance protects personal trainers against the following types of claims involving bodily injury, property damage, and personal/advertising injury:

  • Injury resulting from inadequate supervision such as failure to properly spot trainee
  • Failing to properly instruct the trainee on correct technique resulting in injury
  • Injury resulting from use of substandard equipment or defective equipment
  • Injury resulting from failure to design a proper workout program
  • Slip/trip/fall injury due to wet area on floor or exposed electrical cord
  • Allegations of slander, libel, or invasion of privacy
  • Negligence that results in electrical short causing fire that damages building

What is Professional Liability coverage? General Liability policies should include a Professional Liability endorsement which may include coverage for certain allegations other than bodily injury and property damage. For example, a client could claim failure to progress with fitness goals due to improper instruction. Many of these types of allegations are groundless, but are costly to defend against.

Accidents and High Risk Activities

Accidents and medical emergencies can happen anytime, to anyone, anywhere. And while you may not be liable, chances are you’ll face situations where you have to defend yourself against claims made by clients. In addition to offering General and Professional liability insurance geared to personal trainers, we also offer specific risk management tools and advice for trainers working as employees and independent contractors, and that will help you minimize risks whether you work out of your home, your own studio, or another facility.

If you’re a fitness professional, you must be knowledgeable in assessing the health risks of your clients. Screenings should be systematic and address signs and symptoms of disease, risk factors and family history. The client and trainer fill our portions of the screening forms, and both sign an agreement as to goals and training methods based on the assessment.

One example of such a screening is the PAR-Q & You form, which is a well-recognized pre-exercise screening measure for low-to-moderate exercise training. This is broad tool that may overlook the client’s important health information. However, a “yes” answer by the client to any of the questions requires the trainer to obtain a medical release form from the client’s physician. Clients should also sign an informed consent/release of liability form.

Business risks not related to training

Many small business operators are so busy building the business that they don’t take time to ensure the safety and security of everything for which they’ve worked so hard. There are hidden risks few business operators think of until it’s too late. Let us help you determine what type and how much coverage you need to adequately cover yourself, your clients and your business in the event of an accident or catastrophic incident.

Employees vs. Independent Contractors

Personal trainers can work as employees in health clubs, studios and fitness organizations or as independent contractors. There are perks and downfalls to both options.

Should you form a Limited Liability Company?

A business designated as limited liability company (LLC) enjoys the limited liability features of a corporation and the tax benefits of a partnership. Depending on the state of registration, an LLC can consist of a single owner or two or more individuals (known as members). An LLC isn’t taxed as a business. Instead, the profits and losses pass through the business to the member(s). The members report profits and losses on their personal tax returns.

LLC Advantages

  • Limited liability means that the members are protected from personal liability if the LLC if the LLC is sued. However, the “limited” in limited liability means members are protected from their passive negligence when other employees are directly negligent; however, owners are not necessarily protected from allegations of their direct, personal negligence.
  • Less registration paperwork is required and smaller start-up costs involved than a corporation.
  • Profit restrictions are fewer because members distribute profits however they want. They decide the profits and loss percentages each member earns.

LLC Disadvantages

  • In many states, the LLC is dissolved when a member leaves. The other members are required to fulfill any remaining business obligations to close the business. They can then decide whether or not to register a new LLC. However, there can be a provision in the original business agreement that the life of the LLC will be prolonged in the event of a member’s departure.
  • LLC members are considered self-employed. As such, they are required to pay self-employment tax contributions toward Medicare and Social Security. These taxes take into account the entire net income of the LLC.