All Inclusive Fitness Instructor Insurance Built For Fitness Professionals
Complete Coverage With No Hidden Fees For As Low As $15.49 Per Month
Reliable & Affordable Liability Insurance Dedicated to Fitness Professionals & Trainers
The inherent risk that goes hand-in-hand with your fitness career is no match for our A+ rated insurance designed specifically to mitigate your liability, protect your career, and offer you the peace of mind you crave. Why? Because our policies were designed for personal trainers and fitness instructors just like you.
PROFESSIONAL SPECIAL OFFER!
$169 / annually
Trusted In Your Industry & Beyond
We’re thrilled to welcome you to our team! Join over 300,000 professionals who are experiencing peace of mind, comprehensive protection, and business-building coverage with our best-in-class malpractice insurance and exclusive member benefits. The best part? We’re backed By Arthur J. Gallagher—Fortune 500 global insurance brokerage—and underwritten by Arch Specialty Insurance Group—with an A+ Rating by AM Best.
We Provide What Other Partners Won’t—Protective Policies at a Peace of Mind Price
Professional & General Liability
Damage to Rental Premises
Stolen Equipment Coverage
Identity Protection Plan
$3 million annual aggregate / $1 million per occurrence
$1,000 with a $250 deductible
All-Inclusive Protection at Unbeatable Rates
It’s your job to show your clients how to maintain their health and optimize their wellbeing—we want to do the same for your career. With our occurrence form coverage, you’ll remain protected for your coverage term even after your policy expires! The best part? You’ll never find a hidden fee in our policy details.
Insurance Policy Highlights
350+ MODALITIES COVERED. NO EXTRA COST.
Our all-inclusive, comprehensive coverage supports over 350 different fitness training services (and beyond!). In other words, no matter how many disciplines you plan to add to your business, we’ve got your back!
No Added Fees—Group fitness, workout routines, and beyond—we offer coverage for every service you can think of!
Coverage That Follows You—Planning on moving? Wanting to start your own studio? Looking into the virtual fitness instructor game? Our coverage moves with you—no questions asked!
Instant Coverage—You’re on our team the moment you check-out! As soon as your internet can process the sale, you’ll receive an email confirmation, proof of coverage, and immediate protection.
EXCLUSIVE MEMBER BENEFITS
Our affordable rates and comprehensive protection are great, don’t get us wrong, but it’s the member benefits that really put us over the top.
Deals & Discounts From Industry Leaders—Enjoy exclusive savings from big names like FiTOUR, Web exercise Academy, Glasstic SPRI, and more.
Access to Healthcare Options—We give our members access to ACA-qualified health insurance, short-term health insurance, and even telehealth options.
Business Building Resources—When you partner with Career Shield Insurance, you’ll have access to our business resource center—a space designed to help you grow your fitness career. Receive access to eBooks, discounts, guides, continued education, and more!
Discounted Travel & Accommodations—With discounts from Lenovo, Office Depot, UPS, Hertz, and more, we can help you run your business more efficiently (and affordably)
Do I Need Fitness Insurance?
Without a doubt! You’re working hard to build your career—why gamble with it? You pursue extensive training, education, and experience all so you can develop the ultimate personal training career. Avoiding protection is essentially the same as leaving your success up to chance. You’re responsible for providing a safe, healthy environment for your clients, so if an accident or incident occurs on your watch or on your premises, you’re the one on the hook for it. And trust us, that can be damaging and expensive. According to the U.S. Consumer Product Safety Commission, there are approximately 460,000 reported fitness injuries a year. Approximately 50,000 reported injuries were caused by low weight and equipment. The right personal trainer insurance can help protect your career from lawsuits related to fitness injuries. As personal trainers and fitness instructors, you make every effort to insure your clients are executing exercises properly, but accidents can still happen. Career Shield Insurance is here to protect you.
Need to Weigh Your Insurance Options?
Compare our comprehensive fitness liability insurance coverage with our competitors in the grid below.
- Professional & Genaral Liability Insurance
- Product Liability
- Occourence From Coverage
- Rental Damage Coverage
- Stolen Equipment Coverage
- Identify Protection Plan
- Immediate Coverage
- $1Million/Occurrence $3 Million Aggregate
- $ 1 Million
- $1,000 *250 Deductable
- Get Covered
- $1Million/Occurrence $3 Million Aggregate
- $ 1 Million
K & K Insurance
- $2Million/Occurrence $5 Million Aggregate
- $ 2 Million
- $1 Million
- Online only
Sports & Fitness
- $1 Million/Occurrence $3 Million Aggregate
- $1 Million/Occurrence $3 Million Aggregate
- 1 Million
Fitness Styles & Services Covered By Career Shield Insurance
Active Isolated Stretching
Arvigo Techniques of Maya Abdominal Therapy
Ashiatsu Barefoot Massage
Ashiatsu Oriental Bar Therapy
Asian Bodywork Therapy
Asymmetric Body Balancing
Bach Flower Remedies – Topicals
Barbara Brennan Technique
Belavia Facelift Massage
Benjamin System of Muscular Therapy
Biodynamic Craniosacral Therapy
Biomagnetic Touch Healing
Bio Touch Healing
Body Image Enrichment
Bodywork for the Childbearing Year
Bonnie Bainbridge Cohen System
Canadian Deep Muscle Massage
Chi Nei Tsang
Chikly Brain Curriculum
Color Light Therapy (no lasers)
Complete Decongestive Therapy
Connective Tissue Massage
Cranial Release Technique
Cranial Soft Tissue Release
Cross Fiber Massage
Deep Muscle Massage
Deep Tissue Massage
Dr. Vodder’s Manual Lymph Drainage
Eden Energy Medicine
Emotional Freedom Technique
Energy Healing Techniques
Essential Oils Massage
Fascial and Membrane Technique
Five Element Shiatsu
Forearm Dance Technique
Full Spectrum Energy Medicine
Functional Range Release
Hannah Somatic Education
Hoffa Massage Technique
Hot Stone Massage
Indian Head Massage
Innovative Pet Therapy
Integrative Eclectic Shiatsu
Internal Organ Massage
Jin Shin Jyutsu
Lava Shell Technique
LHE Phototherapy (no lasers)
Light of Life Energy
Lymphatic Drainage Massage
Lymphatic Drainage Therapy
Manual Massage Therapy
Massage Therapy Instruction
Maya Abdominal Massage
McMillan Massage Technique
Medical Qigong Therapy
Mennell Massage Technique
Muscle Activation Technique
Muscle Energy Technique
Myoskeletal Alignment Technique
New Manual Articular Approach
Nuad Bo’ Rarn
Okazaki Restorative Massage
Pfrimmer Deep Muscle Therapy
Range of Motion
Raynor Massage Therapy
Rolfing Structural Integration
Rubenfeld Synergy Method
Rys Thomas Energy Medicine
Sabai of Sa-wan Therapy
Safe Touch Massage
Shen Jing Acupressure
Shiatsu Amma Therapy
Soma Neuromuscular Integration
St. John Neuromuscular Therapy
Steamy Wonder System
Structural Energetic Therapy
Thai Herbal Compress Technique
Thai Yoga Massage
The Healing Code
Theresa Primmer Method of Deep
Tian Di Bamboo Massage
Total Body Balancing
Touch For Health
Touch Therapy Instructors
Touch to T.E.A.C.H.
Trauma Touch Therapy
Trigger Point Therapy
Tsubo Point Therapy
Vibrational Healing Massage Therapy
Warm Bamboo Massage
Yamuna Body Rolling
Fitness Insurance Frequently Asked Questions
Are you still wondering how fitness liability insurance fits into your career? Are you wishing you had a better idea of what you needed in a policy? We’re here to help. Skim through our list of frequently asked questions below—we’re dishing out all the answers on coverage, details, and benefits to help you make the best insurance decision for your career.
WHAT DOES CAREER SHIELD PERSONAL TRAINER INSURANCE COVER?
We’re thrilled to break this out super simply! Career Shield has created a policy that takes the risks of fitness professionals into consideration and provides coverage from several angles from which claims can occur during your policy period. Here’s an outline of the coverage:
- General Liability: protects personal trainers from claims for injuries or property damage. With Career Shield Insurance, you have a $1 million per occurrence and $3 million individual annual aggregate for general liability claims.
- Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $1 million per occurrence and $3 million individual annual aggregate.
- Product Liability: provides protection from an allergic reaction from the use of products in performing your services. You’ll be covered up to $1 million for product liability claims.
- Rental Damage Coverage: provides coverage for damages you or a client caused to a rented space, up to $100,000.
- Stolen Equipment: provides $1,000 worth of coverage for any equipment that’s stolen, less a $250 deductible.
DO YOU REALLY NEED PROFESSIONAL LIABILITY INSURANCE AS A PERSONAL TRAINER?
We mean this with all the emphatic energy in the world—YES. We live in an age where personal injury lawyer ads run ad nauseum on TV, and that results in a lot of claims being filed against professionals in every industry, especially personal trainers and fitness instructors. Even if a case is entirely frivolous, legal defense without insurance can be financially devastating. Personal trainer professional liability insurance from Career Shield takes away the anxiety surrounding the what-ifs of a future claim. You’ll be covered from the minute you engage with a client, within the 50 United States.
HOW DO MONTHLY PAYMENTS WITH CAREER SHIELD INSURANCE WORK?
Flexibility is hugely important in any industry—but especially in yours! That’s why we’ve teamed up with PayPal Credit to offer a finance option that lets you pay for your policy monthly. When you choose this plan, PayPal Credit takes the total cost of your policy (plus a small service fee!) and breaks it up over your selected duration. As a heads up, using PayPal Credit is subject to a credit check and there is no interest if you pay off your policy within the first 6 months. After 6 months interest fees may apply.
WHAT'S THE BEST ONLINE PERSONAL TRAINER INSURANCE?
Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.
ARE VIRTUAL CLASSES COVERED UNDER INSURE FITNESS'S PERSONAL TRAINER INSURANCE PROGRAM?
Absolutely! Virtual training is a huge benefit of the industry and we want to make sure you have every opportunity to add that to your services. we’ve added online personal trainer insurance coverage for any class conducted via a medium like Skype where live training is being provided. Here’s an important distinction—this won’t apply to any previously recorded fitness instructors (like with a YouTube channel).
DOES CAREER SHIELD OFFER A PLAN FOR PERSONAL TRAINER STUDENTS?
We sure do! As a student or trainer in training, you’re at a critical juncture for your career—you’re learning a ton, but you’re definitely more likely to make a mistake, too. And unfortunately, mistakes—even at the training level—can be costly. Our student policy is available for $25 per year—complete with full coverage. That means you’ll get everything our full-cost policy offers, but at our special student rate.
DO YOUR COVERAGE OPTIONS HAVE DEDUCTIBLES?
Here’s a neat thing about our plans—they don’t have a deductible attached. This means that if you need to file a professional liability claim with us, you’ll pay nothing out of pocket. The only portion of plans that have deductibles are our stolen equipment coverage—and that deductible is only $250!
WHAT ARE SOME EXAMPLES OF GENERAL LIABILITY CLAIMS FOR PERSONAL TRAINERS?
General liability claims arise from third-party injuries or property damage and are generally referred to as “slip and fall” claims. Think about general liability claims as incidents such as a client slipping on a pile of chalk left on the floor and breaking their hip. Their medical expenses would fall under your personal trainer general liability insurance provisions. Another example might be where a client is walking out of their appointment and misses a stair on their way causing them to fall and get injured that way. That’s something you can be on the hook for, too!
WHAT ARE SOME EXAMPLES OF PROFESSIONAL LIABILITY CLAIMS FOR PERSONAL TRAINERS?
Professional liability is also called “malpractice insurance” as it relates specifically to a claim against the professional service you provided during a session. For example, a student may assert that your spin class was too arduous and led to a torn quadricep or another may say that you pushed them too far down into a front-squat and they hurt their back as a result. With cases like these, Career Shield members have the peace of mind of comprehensive professional liability insurance coverage.
WHAT TYPES OF EXERCISE WORKOUTS/TRAINING PROGRAMS ARE COVERED BY CAREER SHIELD
Career Shield’s personal training and group fitness insurance program covers a wide array of different workout/exercise programs. At present, we provide coverage for more than 40 different programs. Everything from Aquatic Exercise, to Pilates, JazzerciseⓇ, P-90XⓇ, and ZumbaⓇ are all covered under our personal trainer insurance policies. If you don’t see your specific program currently listed call or click to get in contact with an insurance specialist who may be able to add yours to our growing list.
DOES CAREER SHIELD PROVIDE ANY ADDITIONAL BENEFITS TO MEMBERS?
One thousand times yes! We’ve partnered with some of the leading names in the world of fitness to bring our members killer benefits, exclusives, discounts, and early access to a wide variety of different products and services. We’ve also developed vast, members-only libraries of curated content that provides insider tips on everything from running a successful business to motivating a client through a challenging Monday session.
WHAT'S THE BEST PERSONAL TRAINER INSURANCE?
We’re going to give you an unbiased answer and not just say Career Shield Insurance. Instead, we’ll answer it this way—the best personal trainer insurance should provide you with comprehensive coverage, an all-inclusive policy, a wide and diverse array of services covered, is both flexible and mobile (in other words, it’ll follow you around the country), is affordable, and should provide you with some excellent perks and benefits. Luckily, that’s exactly what we do at Career Shield. We provide robust coverage limits for a variety of different liabilities, covers more than 150 different workout programs, follows you everywhere you train with clients, and also offers tips, discounts, and exclusives from the leading names in fitness, all at the low rate of just $169 per year.
WHAT'S A CHEAP PERSONAL TRAINER INSURANCE POLICY?
At Career Shield Insurance, we’re all about transparency—that’s why we present our policy side-by-side with our leading competitors. We genuinely want you to see how we compare so you can choose the right plan for you. At just $169 per year, we truly offer some of the most affordable rates—but we never (ever) skimp on coverage.
Every Insurance Policy Sold = 1 Tree Planted
“The best time to plant a tree is 20 years ago. The second best time is now.”—Chinese Proverb.
Every time someone joins our team at Career Shield Insurance, we plant a tree in their honor. Thanks to our stellar community of members and our friends at Trees for the Future, thousands of trees have been planted so far.
Just as we believe in protecting your career and helping you grow, we believe in protecting our planet and helping it grow, too—help us continue this journey by referring your colleagues and friends to our program today!