Business insurance
Fitness instructor insurance
General liability plus professional liability insurance — also called Errors & Omissions (E&O) — for fitness instructors, trainers, and coaches.
Get a real-time quote online →What this coverage is generally intended to address
- •General liability. Generally intended to respond to third-party bodily injury or property damage at the training location, in the event of a covered claim.
- •Professional liability / E&O. Professional liability insurance, also called Errors & Omissions (E&O) insurance, is generally intended to address allegations that your instruction or programming contributed to an injury.
- •In-gym, mobile & online. Coverage can reflect where you train — a facility, clients’ homes, outdoors, or online — when disclosed.
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Frequently asked questions
Does my gym’s policy cover me?
Usually not — a gym’s policy protects the gym, not independent instructors. Facilities commonly require you to carry your own and name them as additional insured.
Do I need both general and professional liability?
General liability addresses third-party injury and property damage; professional liability / E&O addresses allegations that your programming caused harm. Most instructors carry both.
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