🏃 Fitness Instructor & Personal Trainer

Fitness Instructor & Personal Trainer Insurance

Professional liability and general liability insurance for fitness instructor & personal trainer in Arizona. Insurance for fitness professionals.

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📋Same-day certificates

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Unique Risks We Address

Every fitness instructor & personal trainer faces specific risks. We make sure you're covered.

Client injury during training

Negligent instruction

Improper form correction

Overexertion claims

Equipment misuse

Pre-existing condition aggravation

Dietary advice liability

One-on-one misconduct claims

Coverage Options

Recommended Coverage

Tailored insurance products for fitness instructor & personal trainer operations.

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Professional Liability (E&O)

Protects against claims of negligence, errors, or omissions in your professional services.

Negligent advice
Service errors
Missed deadlines
Failure to perform

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General Liability

Covers bodily injury and property damage claims arising from your business operations.

Client slip & falls
Property damage
Premises liability
Completed operations

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Abuse & Molestation

Coverage for allegations of misconduct or inappropriate behavior.

Misconduct allegations
Investigation costs
Defense expenses
Background check gaps

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Property & Equipment

Protects your office space, equipment, furniture, and business personal property.

Office equipment
Computers & tech
Furniture & fixtures
Business records

Frequently Asked

What insurance does a fitness instructor need?

At minimum, Professional Liability (E&O) and General Liability. Add Cyber Liability if you handle client data, and Property coverage for your office and equipment.

How much does fitness instructor insurance cost?

Costs vary based on revenue, services offered, and claims history. Most small operations start at $500-$1,500/year for a comprehensive package.

Do I need insurance if I work from home?

Yes. Homeowner's insurance does not cover professional liability. You need a separate business policy regardless of where you work.