💪 Health & Wellness Insurance

Insurance for Health & Wellness Businesses

Protect your fitness studio, yoga practice, martial arts school, or personal training business with comprehensive coverage from top-rated carriers.

⚡ Fast quotes — often within 24 hours

💰 Competitive rates from 50+ carriers

📋 Same-day certificates of insurance

🏆 A-rated carriers only

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Businesses We Insure

From solo personal trainers to multi-location fitness chains, we cover it all.

Aerobics Studios (Including Barre)

Coaches & Instructors

Fitness Studios

Martial Arts Studios

Personal Training Studios

Spin Studios

Yoga & Pilates Studios

Dance Instructors

Fitness Instructors / Personal Trainers

Coverage Options

Coverage Built for Wellness

Industry-specific coverage tailored for health and wellness operations.

🛡️

General Liability

Protection against client injuries, property damage claims, and advertising liability at your studio or during sessions.

Client injury claims
Property damage
Completed operations
Advertising injury

📋

Professional Liability (E&O)

Covers claims alleging negligent instruction, improper training techniques, or failure to provide adequate supervision.

Negligent instruction
Improper technique
Failure to supervise
Program design errors

🔒

Abuse & Molestation

Specific coverage for allegations of sexual abuse, molestation, or harassment — critical for one-on-one training.

Abuse allegations
Investigation costs
Defense expenses
Settlement coverage

🏢

Property Coverage

Protects your studio equipment, leasehold improvements, and business contents against damage or loss.

Equipment protection
Leasehold improvements
Business contents
Loss of income

⚙️

Workers' Compensation

Coverage for employees injured while working — trainers, front desk staff, cleaning crew, and more.

Medical expenses
Lost wages
Rehabilitation
Employer liability

🏥

Accidental Medical

Pays medical expenses for participants injured during classes or training sessions, regardless of fault.

Participant injuries
No-fault coverage
Medical costs
Supplemental protection

Frequently Asked

What insurance does a fitness studio need?

At minimum, a fitness studio needs General Liability and Professional Liability (E&O) insurance. Many landlords also require property coverage and additional insured endorsements. If you have employees, Workers' Compensation is required in Arizona.

How much does personal trainer insurance cost?

Personal trainer and fitness instructor insurance typically starts around $300–$600/year for GL and Professional Liability. Studio owners with more complex operations can expect to pay more depending on revenue, class sizes, and number of employees.

Does yoga or martial arts insurance cover student injuries?

Yes. General Liability covers claims from student injuries, while Accidental Medical coverage can pay their medical expenses regardless of fault. Professional Liability covers claims of negligent instruction.

Do I need insurance if I train clients at their home?

Absolutely. In-home personal trainers face the same liability risks. If a client is injured during a session or you damage their property, your GL policy would respond. Many trainers also carry Professional Liability.

Can I get additional insured certificates for my landlord?

Yes — we can add your landlord or facility owner as an additional insured on your GL policy and issue same-day certificates of insurance.