IBBFA
What Is Sports & Fitness Business Insurance?
Fitness liability insurance is a financial parachute for exercise instructors, coaches, referees, and other fitness professionals. It’s designed to shield your business from economic ruin due to client injuries, accidents, and lawsuits.
For example, if a client or athlete gets hurt while training with you, insurance can pay the cost of treating the injury and other related claims or lawsuits. Insurance coverage helps keep your fitness business running smoothly and saves you thousands in out-of-pocket expenses.
What Insurance Do Fitness Instructors & Coaches Need?
Sport coaches, referees, personal trainers, and other fitness professionals need general and professional liability insurance. These are the key coverages designed to pay for the cost of accidents or damages caused by your professional instruction.
We recommend these coverages for sport and fitness professionals:
- General Liability Insurance: Coverage designed to pay for accidental injuries or damages caused by your business, like a broken mirror or a slip and fall
- Professional Liability Insurance: Coverage that helps pay for injuries or damages caused by mistakes and errors in your services or instruction, like giving inaccurate advice or being negligent
- Additional Insureds: A third party added to your policy, like a gym owner, a building manager, an event organizer, or another business that hires you as an independent contractor
- Gear and Equipment Coverage: An optional coverage that helps pay for repairs and replacements for stolen or damaged gear
- Cyber Liability Insurance: An optional coverage that helps pay for damages caused by data breaches and other cyber attacks on your business
- Diet & Nutrition Coverage: An optional coverage designed to cover the nutritional work you do, such as food, nutrient, or meal prep education
- Occurrence Form Coverage: Allows you to file a claim for injuries or damages that occurred during your policy period, like a minor ankle sprain during a session that causes a bigger health concern for a client years later.**
- Sexual Abuse & Molestation (SAM) Insurance: An optional coverage designed to help pay for claims related to sexual molestation or misconduct, like a misinterpreted touch or instruction.
Create a customized fitness instructor insurance policy that works for you!
What Does Sport and Fitness Insurance Cover?
Insurance for sports and fitness professionals covers unintentional harm done to others and/or others’ property. Common claims and types of damages covered include:
- Slip-and-fall accidents
- Client, student, and athlete injuries or death
- Damaged property
- Allergic reactions
- Accusations of negligence
If your client is injured and unable to work, you may be held responsible for medical bills, lost wages, and even emotional damages. And if a client accidentally dents a wall or breaks a mirror in a space you rent, you could be responsible for those repairs. Insurance helps you pay the costs of things like this.
Even if you have participants sign a waiver, you can still be named in a lawsuit — and waivers can’t help you pay the legal expenses to defend yourself. But your insurance policy can.
Plus, Insurance Canopy policies work where you do, so you’re covered if you work in multiple facilities, cities, states, or train in person, online, or both. One policy also covers you if you teach or coach multiple fitness types and/or non-contact sports.
Have More Questions?
For a discount on your policy use coupon code: IBBFA
If you have any questions please contact Risa by email: partnersupport@veracityins.com or phone: 385-274-1327.
IBBFA is the foundation credential for barre instruction, supporting 7,000+ certified instructors across 40+ countries since 2008.