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Fitness Insurance


Fitness professionals may not think of their fitness small businesses as being vulnerable to malpractice lawsuits, but because even routine exercises and common techniques can cause harm, every client is a potential lawsuit. Hiscox understands that the risks you face are unique to fitness businesses, and that’s why we offer customized fitness insurance to members of many fitness professions, including, (but not limited to):


Personal Trainers

Small Fitness Club/Gym Owners

Pilates Instructors/Studio Owners

Yoga Teachers/Studio Owners


Zumba/Dance Instructors


Professional liability insurance

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that arise from their professional and personal services – businesses like yours. Almost any service you provide could result in legal action. Here are two of the many situations that may arise in your fitness business that, if you’re uninsured, could cause significant financial damage:

  • Negligence: After twice weekly workouts for over a year, a client has met their personal training goal to lose ten inches from their waist and incorporate a healthy diet into their lifestyle. The client brings a claim against you alleging that you did not personally train him properly, because he was unable to complete a marathon in which his  friends and family had travelled to watch him run. Even if this is a groundless claim, your professional liability insurance will defend and indemnify you, up to your policy limits.
  • Over Exertion: A personal trainer instructs an older client to perform a specific exercise that requires substantial physical exertion. After completing the circuit that includes this exercise, the client is overcome with dizziness, experiences chest pain, and has to be rushed to the hospital. Even though the client had an existing heart condition, he claims that the trainer’s exercise circuit caused his heart attack, as well as mental anguish, and sues for damages.

You need to know that you can be sued for negligently performing services even if you haven't made a mistake. Professional liability insurance is designed to protect you in these instances.


Learn more about professional liability insurance, or start an easy online quote.


General liability insurance

General liability insurance protects you from third-party claims arising from bodily injury (slips and falls), personal injury (libel or slander), and damage to someone else's property. Because your working environment includes the use of equipment, supplements and more -- every fitness professional runs the risk of needing general liability insurance protection at some point.

When could general liability insurance come in handy for your fitness club or fitness instruction practice? Here are two examples:

  • Bodily injury: While waiting to begin a personal training session, a client accidentally trips over another customer’s gym bag. She falls and injures herself.. While it was a simple accident, she blames the personal trainer for not keeping the area clear and files a lawsuit. Hiscox will cover a subsequent covered claim and related medical expenses up to your general liability policy's limits of liability.
  • Damage to client property: A personal trainer is working with a client who puts their gym bag on the floor. Another customer nearby using a  free weight puts it down, and it accidentally rolls onto the gym bag of the client. Because the bag contained cell phones and tablets, the client filed a legal claim for reimbursement. General liability insurance protects against claims for  your client’s property damage.


In these scenarios and so many more, a general liability insurance policy will protect you from third-party claims, providing legal representation and advice that you’d likely be lost without.


Learn more about general liability insurance. Ready to proceed? Get a quote!


Why Hiscox?

From these examples it’s clear that your fitness enterprise needs professional liability and general liability coverages. Hiscox has the liability insurance protection you need:

  •  Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  •  Money back guarantee: Take 14 days to review your policy; if you’re not satisfied for any reason, and have not had a claim or loss, you can request a full refund.
  •  Tailored insurance: Insurance custom tailored to meet your needs and save you money
  •  Claims responsiveness: When a covered claim is reported, we will defend you, even if the claim has no basis and, if necessary, appoint an attorney.
  •  Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  •  Trust Your Choice: 97% customer satisfaction rating and we’re rated ‘A’ (Excellent) by A.M. Best.


Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.


This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and the terms, conditions, and limits of the insurance policy, and is not available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm ET