Protect Your Career with Fitness Instructors Insurance
Let’s face it, we live in a society where liabilities exist just about everywhere. For fitness instructors, there is even more pressure to provide a safe environment because of the dangers present in a physically demanding field. Simply by exerting force, using heavy weights, or incorporating machinery with lots of moving pieces, there are many opportunities for mishaps to occur. One small slip, one momentary lapse in supervision is all it takes to have a client receive injuries severe enough to put them in the hospital.
Fitness instructor insurance is your career’s lifeline, protecting the blood, sweat, and tears you’ve poured into your business so you can focus on the here and now. Through every workout and every rep, we’ll spot you with solid insurance coverage.
Why Choose Us
FREE Professional website to promote your practice
Instant Coverage and Proof of Insurance in minutes!
Great Coverage, at a Low Annual Rate, with No Hidden Fees, Ever!
We don’t have platinum and gold plans, standard or deluxe. Rather, we like to keep our fitness liability insurance program simple. You pay one, low annual rate with no extras, add-ons, surcharges, or fees. So for just $169 per year - period - you get complete confidence in a comprehensive insurance program.
This policy was designed to be flexible for fitness pros since we know the industry requires being quick on your feet now more than ever. With our program designed just for fitness instructors, you’ll never have to jump through any hoops for things like adding a new fitness program to your regimen, changing jobs, or even moving across the country.
Fitness Instructor Insurance Policy Highlights
One Policy Covers All These Services
What Our Customers Are Saying
I chose NACAMS insurance after an extensive research and I’m very happy about my choice. They provide great assistance and their follow up is wonderful too. The insurance is well planned and better than the regular once’s available online. They are dependable!!!
Why Would a Fitness Instructor Need 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 fees, 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. Let’s walk through a few everyday examples of ways fitness instructor liability insurance coverage can help protect your career:
General Liability Insurance Coverage aka “Slip & Fall”
This covers you from third party claims of property damage or injuries. This coverage is vital for something as simple as a client slipping and injuring themselves during a training session and then holding you responsible for their medical bills.
Professional Liability Insurance Coverage aka “Malpractice”
Provides coverage for a claim related to the fitness instruction you provided. For example, you may have a client doing box squats when they push a little too deep and hurt their back. They demand that you pay for their doctors bills, rehab sessions, and lost wages from missing work. Without fitness instructor insurance, you’d be paying these costs yourself.
Product Liability Insurance Coverage
Provides up to $1 million when a product used during your sessions causes an allergic reaction. This can also seem pretty mundane, but the costs of a claim can really add up. Let’s consider you used a certain organic cleaner on the fitness equipment you are having your client use. They get on the equipment and quickly start breaking out into terrible hives and start going into anaphylaxis, which can be life threatening. Emergency services are called and your client is rushed to the hospital where thankfully they are treated and recover. However, they still demand that you are liable for this string of events and demand you pay them for their rather expensive ambulance ride and ER visit.
These three liability coverages cover the vast majority of claims that a professional fitness instructor will ever face; however, we also include some back-up protections because the real world rarely functions as we think it should. Things like an identity protection plan, coverage for stolen equipment, and damages to a rental property round out our stacked fitness liability insurance plan.
The actual dollars and cents of your insurance plan is pretty crucial. When comparing options, make sure to look at how much of a variety of coverage areas are included, as well as how much coverage of each is provided. Our stout program provides members with:
General and Professional Liability: $1 million for each individual occurrence and then $3 million in total per individual policyholder each year.
Product Liability: $1 million in total per year.
Rental Damages: up to $100,000 for costs of repair
Stolen Equipment: up to $1,000 with a $250 deductible towards replacement costs.
Identity Protection Plan: up to $25,000 in services to restore an identity that has been compromised.
What makes good insurance great? Beyond stout insurance coverage, a really great fitness liability insurance program should also provide some solid, actually-useful benefits. We want our members to truly get a great value with our plan so we’ve worked hard to build a great benefits program that includes: a free fitness website for showcasing your services online, exclusive discounts and deals from great names in fitness, and the convenience of instant insurance coverage with immediate access to all of your plan documents, including proof of insurance.
Shopping around for fitness insurance, you may have noticed different programs using claims made policies and others using occurrence form. We only use occurrence form policies because we feel it gives our members the best flexibility for covering claim events that happen during the policy term. That’s because with occurrence form coverage, you are allowed to still file a claim after your policy expires for events that occurred while the policy was still active. Sounds fair, right? We thought so, but claims made are just the opposite. It says if your policy has expired, tough luck, you won’t be able to file a claim even if the event occurred during the policy’s term.
Be careful to watch for this important coverage distinction as you do your fitness insurance comparison. Not having an event covered with claims made could mean a serious financial burden falls on your shoulders alone.
It may be easier to say what fitness programs aren’t covered under our comprehensive program. With NACAMS fitness instructor liability insurance, you have the freedom to employ a wide array of different fitness programs into your routine - helping you provide better service to your clients and also making you more marketable by being able to cater to different demographics.
One Policy, Hundreds of Covered Activities
How Our Insurance Plan Stacks Up: What Real Members are Really Saying
In a world of fake news, online reviews can be somewhat dubious. That’s why we went on the hunt for an unbiased way to get real members, real experiences - whether positive or negative. We found this in an independent third-party review platform called TrustPilot. Based on hundreds of verified reviews from real members, we are super excited to be rated with 4.7 / 5.0 stars on TrustPilot.
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. Fitness liability insurance for students is a smart business decision. Not only is our program for students extremely solid, with all of the same coverages as our professional policies for fitness instructors, it is also extremely affordable at just $25 for a full year of coverage.
Waiting until you are nearing completion of your program can also be advantageous, as you’ll score professional-quality insurance coverage for most of your first year on the job for the low students-only rate of $25.
Fitness instruction is often one-on-one but there’s also a ton of opportunities for class settings where an instructor can build up how much they can earn per hour. Often group fitness classes will be categorized differently with fitness insurance but our program keeps things simple by extending coverage to group fitness instruction, as well as hundreds of other ways to get your clients up and moving. With the best diversity of choices for fitness pros, combined with the affordability of a no-nonsense, flat rates, our insurance program caters directly to fitness professionals actively engaged in client services.
We know insurance can be confusing and you might have questions you’d prefer talking to a licensed agent about. Good thing, our dedicated agents are ready to answer all your questions and can walk you through the entire fitness insurance policy so you feel comfortable in your decision to partner with us.
Speak with an agent at 800-964-0158 or use our online ‘contact us’ form and we’ll get back with you shortly.