Group Fitness Insurance
With 25 years of proven trust, NACAMS keeps group 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 believe in transparent, upfront pricing so you can make a confident, informed decision. For just $179/year (only $14.91/month when paid annually), you get everything you need in one simple, seamless checkout.
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 Group Fitness Insurance?
Group fitness insurance protects fitness professionals who lead classes or train multiple clients at once. This includes instructors who teach activities like yoga, Pilates, HIIT, bootcamps, spin classes, dance, CrossFit, and other group-based workouts. Because these sessions involve physical activity and multiple participants, there is an increased risk of injury or accidents, making proper insurance coverage essential.
Whether you teach in a gym, studio, outdoor setting, or offer virtual classes, group fitness insurance helps protect your finances and reputation. It not only provides coverage for unexpected incidents but also demonstrates professionalism and credibility, giving both clients and facility owners confidence in your services.
Do Group Fitness Instructors Need Individual Liaility Insurance?
Yes, group fitness instructors should have their own insurance to protect themselves, their clients, and their business. Leading group workouts involves physical activity, and even with proper instruction and precautions, there is always a risk of injury. Participants may strain muscles, lose balance, or have pre-existing conditions that can be aggravated during a class. Without insurance, instructors could be held personally responsible for medical costs, legal fees, or damages resulting from a claim.
Insurance provides essential protection by covering incidents that may occur during a class. General liability insurance can help if a participant is injured from a situation not directly related to your instruction, while professional liability insurance protects against claims of negligence, such as improper instruction or failure to provide adequate guidance. These policies can help cover legal defense costs, settlements, and other expenses that could otherwise be financially overwhelming.
Scenario Claims That Group 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 Group 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
Yes, even while you are in training to become a group fitness instructor, the best thing you can do is to secure insurance coverage. While not the most glamorous aspect of a new fitness career, professional and general 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 coverage goes wherever your practice takes you. With NACAMS, you’re protected in all 50 states, whether you’re providing services locally, traveling to clients, or relocating your business anywhere in the U.S.
This is dependent on state and federal regulations. Insurance is highly recommended to protect your financial assets and credibility.
For just $179/YR, which breaks down to $0.49 a day, you can enjoy complete, all-inclusive coverage designed specifically for fitness instructors through NACAMS. Our insurance was built for the fitness industry, meaning every detail, limit, and protection is tailored to the unique risks that group fitness teachers experience.
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.