Fitness Instructor Insurance
With 25 years of proven trust, NACAMS keeps fitness trainers fully protected and confident in their profession.
Take your mobile protection anywhere you work in the U.S.
Safe and secure online checkout
Lifetime protection even after your policy expires
One policy with coverage for 500+ services
Choose Your Rate
We provide upfront pricing so our customers can make an informed decision without the hassle of quotes or expensive coverage add-ons. For $179/Yr- a rate that breaks down to just $14.91/month when paid annually- get all that you need in one easy checkout process.
Our Most Popular Policy
One Year Pro
$179/YR
Lock in Our Cheapest Rate
Two Year Pro
$329/2YR
Same Coverage Limits As Pro
One Year Student
$60/YR
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
What is Fitness Instructor Insurance?
No matter how careful you are, no matter how experienced, there’s always events that are simply beyond your control. Insurance is your safety net when an unexpected event would otherwise mean a big dent to your personal finances.
If you ever have a claim, our fitness instructor insurance program kicks into high gear by providing the assistance needed within three key areas:
- Expert claim care professionals
- The costs of the claim covered by your policy
- Even legal defense, if it's necessary.
With this coverage trifecta, our program covers the types of liabilities you’re most likely to face as a professional fitness instructor.
Do Fitness Instructors Need Insurance?
You make every effort to provide a seamless and enjoyable experience for your customer, but due to the nature of this profession, it still involves risk. The possibility of an injury may seem unlikely, but not unimaginable.
Like all service industry professionals, fitness trainers need liability insurance to protect them if something unfortunate does occur. At NACAMS, we hope to preserve your career by offering A-rated protection.
Scenario Claims That Fitness Insurance Covers
No matter how skilled you are, accidents can happen. When they do, we’ve got your back.
Here are claims based on real situations* and how we’ve helped our customers stay protected when the unexpected occurred.
$21,780
During a training session, the barbell slips and injures the client's shoulder.
$15,000
A participant in your group fitness class trips over equipment you left on the floor and breaks their wrist.
$18,750
A virtual client claims your workout program caused a back injury.
*Please note claim scenarios are for illustrative purposes only. Actual coverage is always determined by the carrier and based upon the policy language.
What Does A NACAMS Policy Include?
Liability insurance is an investment every service professional should make to keep their financial assets protected. A NACAMS policy is comprehensive meaning, everything you read about is included in the price of a student OR professional policy.
Modalities We Cover
In addition to the popular fitness types we cover, NACAMS also protects professionals who source income from other wellness services like yoga, massage therapy, personal training, cosmetology, Reiki, and 500 more.
Popular Fitness Services:
What Is The Best Liability Insurance For Fitness Instructors?
NACAMS is rated Excellent by independent review site Trustpilot. This policy is the best option for pros looking for comprehensive liability insurance offering professional and general liability insurance & coverage for things like identity theft, allergic reactions, and slander, all for one low cost of $179 annually. Buy a policy.
Frequently Asked Questions
As you are studying to become a certified fitness trainer, one of the best things you can do to help you as you begin your career is to secure insurance coverage. While not the most glamorous aspect of a new career in fitness, professional liability insurance is the key to protecting your ability to keep doing what you love - mitigating the risks of the industry off yourself and onto an insurance partner.
Not only does our program for students have the same coverage as our professional policies, but it is also extremely affordable at just $60 for a full year of protection.
Your insurance policy goes with you wherever you provide your service or when you move to a new location anywhere in the USA.
All 50 states require some sort of certification or licensure to be a practicing fitness instructor. Make sure to follow your state's guidelines to be 100% covered.
For just $0.49 a day (paid annually), you can enjoy complete, all-inclusive coverage designed specifically for fitness professionals through NACAMS. Our insurance was built for the fitness industry, meaning every detail, limit, and protection is tailored to the unique risks fitness trainers face.
Your policy goes beyond basic general and professional liability coverage. It also includes product liability, advertising liability, and even identity protection, giving you peace of mind whether you’re working in a gym, on-site, or freelancing independently.
But great coverage is only the beginning. With NACAMS, you’ll also gain access to exclusive member benefits valued at hundreds of dollars, tools, resources, and perks crafted to help you grow and protect your business.
We’ve made it our mission to keep our insurance affordable, comprehensive, and built for working artists like you so you can focus on your craft while we protect what matters most.
Makeup artist insurance truly is the best insurance for makeup artists. While many providers offer broad, one-size-fits-all policies for professionals, these generic plans often leave serious gaps when it comes to the unique risks faced by beauty industry experts.
At NACAMS, our coverage was built exclusively for makeup artists, meaning every policy includes protections tailored to the real-world situations you may encounter throughout your career. You’ll receive both general and professional liability coverage, along with additional safeguards for advertising claims and even identity theft protection.
Our insurance goes beyond fitness; we protect more than 500 different modalities. This includes full coverage for group classes, pilates apparatus, and yoga, ensuring that every aspect of your work as a makeup artist is backed by reliable protection.