Wellness and Fitness Insurance

Insurance quotes for fitness instructors and personal trainers.

What is wellness and fitness insurance?

Wellness and fitness insurance is a type of professional liability insurance that helps protect professionals like personal trainers and fitness instructors against claims of injury and negligence.

Liability insurance for fitness professionals provides financial support for hiring lawyers and paying settlements, so you don't have to dig into your savings. It also provides peace of mind that you'll have support if a claim is filed against you or your business.

We know your job focuses on taking care of your clients. Our job is to provide the insurance you need. The GEICO Insurance Agency has teamed up with Berxi to make insurance easy for fitness instructors and personal trainers. Together, we're ready to help you with affordable, same-day coverage, 24/7 access to your online account, and a team specialized in wellness and fitness insurance. Get your fast and free quote today.

Who needs wellness and fitness insurance coverage?

A professional liability insurance policy is often carried by fitness professionals and wellness instructors to provide protection from certain liability claims and damages. Wellness professionals eligible for this type of insurance include, but are not limited to:

Group Fitness Instructors
Personal Trainers
Yoga Instructors
Dance Instructors
Gym Coaches
Pilates Instructors
Martial Arts Instructors
CrossFit Coaches
Wellness Coaches
Swimming Instructors
Sports Coaches (e.g., tennis, basketball, soccer)

Physical Therapists (if providing wellness-focused services)
Occupational Therapists (for fitness and wellness programs)
Massage Therapists
Mindfulness & Meditation Instructors
Health Coaches
Barre Instructors
Tai Chi Instructors
Parkour Coaches
Cheerleading Coaches

Why do fitness instructors and wellness professionals need liability insurance?

But why would you sue a fitness instructor? Say you're leading a class or hosting an event, and a client who's attending sprains their ankle and is out of work for a few weeks to recover. Or you're spotting a client when a piece of equipment lands on their foot, and they have medical expenses as a result. In both cases, your clients might want to be reimbursed — so they file a claim against you and your business. Even if it's not anyone's fault, it's incredibly helpful to have liability insurance to lean on if you need to hire attorneys or pay settlements.

How much does insurance for fitness instructors and personal trainers cost?

Insurance policies for fitness instructors and personal trainers can cost as little as $169 a year (less than $15 a month). The price of each policy depends on things such as:

Your line of work
Your years of experience
How much you work
Any previous claims filed against you

What does insurance for fitness instructors and wellness professionals cover?

Berxi offers wellness and fitness insurance options that include flexible limits of liability coverage and convenient payment plans. The most common wellness and fitness coverages provided by Berxi are:

Professional Liability Insurance

Protection against claims of negligence or making a mistake that caused bodily harm to another. Typical limits of liability range from $500,000 per claim/$1 million in aggregate to $2 million per claim/$6 million in aggregate.

Defense Counsel

If a claim is filed against you, we retain a lawyer for you from our network of defense attorneys specializing in wellness & fitness–related legal situations. We also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs). These defense costs are outside the limits of your insurance. This means that money spent on your defense won't be deducted from your insurance limits; So if you have a $1 million limit, you'll still have $1 million to pay for any settlements or damages.

Consent to Settle

We work with your lawyer to reach the best possible outcome for you. We won't settle a claim without your approval.

Good Samaritan Coverage

If you provide professional care to someone who is not your client in a first aid or emergency situation and that person files a claim against you, your policy still applies.

HIPAA Violation Defense

If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines. Amount covered: $25,000 per policy period.

Licensing Board Protection Defense

If a professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense. Amount covered: $25,000 per policy period.

Wage Loss/Deposition Expenses

If we ask you to attend litigation activities (e.g., a deposition), our policy reimburses you for actual lost wages and any necessary expenses you incur (e.g., travel, meals). Amount covered: up to $1000 per day.

Reputation Coverage

If you face a threat to your professional reputation in the fitness and wellness community, we can provide you with a crisis management/public relations consultant to help clear your name. Amount covered: $50,000 per claim.

Worldwide Coverage

Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).

Business/General Liability Coverage

The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm. Amount covered: $1 million occurrence/$1 million aggregate.

Medicare/Medicaid Reimbursement Endorsement

If you're audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings. Amount covered: $30,000 for a covered audit and related expenses.

Wellness and Fitness Insurance Policies

Occurrence and claims-made policy options
Legal defense outside the limits of liability
We won't settle a claim without your consent.
$0 deductibles
Flexible insurance limits based on your needs
Convenient payment plans for select policies
Customizable tail coverage options for customers with claims-made

Need to speak with us about insurance for fitness instructors or personal trainers?

You can reach Berxi at (833) 923-3001.

Mon - Fri 8:00 AM - 8:00 PM (ET)

Sat 9:00 AM - 5:30 PM (ET)

Fitness Instructor & Personal Trainer Insurance FAQs

What are wellness & fitness insurance "limits", and how do they work?

Wellness & fitness insurance limits are similar to what you may see on your car insurance policy. Limits break down into two parts shown below:

Example: $1 Million/$3 Million

The first number ($1 million) is the "per claim" limit, meaning the maximum amount of money your policy will pay for each claim.
The second number ($3 million) is the "aggregate" limit, meaning the maximum total amount your policy will cover you in any policy year.

I already have personal trainer liability insurance through my employer. Why would I need more?

Think of it as an added layer of security that's dedicated specifically to protecting your assets, career, and reputation.

Your employer (e.g., a large gym) might have a policy that protects its brand, but in the event that you – an individual instructor – are named a lawsuit, your employer's policy might not fully protect you. Or your employer might want to settle a claim, but you might want to dispute it. Having your own policy can help you feel more in control of the outcome.

Where can I manage my wellness and fitness insurance policy?

It's easy to manage your policy with Berxi. Please see Berxi's contact info, for help to make a payment, file a claim, and more.

Who is Berxi, and why should I buy insurance for wellness and fitness professionals from Berxi?

At Berxi, you can expect a better insurance experience, thanks to our affordable coverage, financial stability, and outstanding service. Here are a few things that set us apart:

We work directly with you: We don't just sell you an insurance policy – we also handle your claim. Plus, working directly with us eliminates fees that are typical in insurance transactions.

We're part of Berkshire Hathaway Specialty Insurance: You could say that we offer the best of both worlds. We're as flexible as a start-up, and we have the financial stability to back our customers long into the future.

We're fast: Get your policy in just a few minutes, without filling out long, tedious questionnaires. We simplify your buying experience while still offering a superior product.

We're here for our customers: If you need it, we have real humans available to help you too! When you call our support line, you'll reach one of our product specialists who'll work hard to answer all of your questions. Being a customer-first company is part of our mission – and we have a great reputation for it.

What coverages do I need as a group fitness instructor?

As a group fitness instructor, you'll typically need general liability insurance to cover accidents like slips and falls, as well as professional liability insurance to protect against claims of negligence or improper instruction. If you rent or own studio space, property insurance may also be necessary. Coverage needs vary, so it's a good idea to have an insurance specialist help you assess your specific risks and location requirements.

Do I need liability insurance as an online fitness coach?

Yes, liability insurance is important for online fitness coaches to protect against claims related to advice or guidance that may cause injury. You may want to consider both professional liability coverage to protect you against negligence claims and cyber liability coverage to protect you in the event of a data breach. This ensures you're covered for both physical and digital risks.

Are there any wellness or fitness professions that are not eligible for this type of insurance?

Certain high-risk activities or niche professions, such as extreme sports trainers or unlicensed alternative therapists, may not qualify for standard fitness insurance policies. Each insurance provider has specific eligibility criteria, so it's important to check the exclusions. If your profession is excluded, you may need specialized insurance tailored to your field.

Fitness Instructor & Personal Trainer Insurance FAQs

What are wellness & fitness insurance "limits", and how do they work?

Wellness & fitness insurance limits are similar to what you may see on your car insurance policy. Limits break down into two parts shown below:

Example: $1 Million/$3 Million

The first number ($1 million) is the "per claim" limit, meaning the maximum amount of money your policy will pay for each claim.
The second number ($3 million) is the "aggregate" limit, meaning the maximum total amount your policy will cover you in any policy year.

I already have personal trainer liability insurance through my employer. Why would I need more?

Think of it as an added layer of security that's dedicated specifically to protecting your assets, career, and reputation.

Where can I manage my wellness and fitness insurance policy?

It's easy to manage your policy with Berxi. Please see Berxi's contact info, for help to make a payment, file a claim, and more.

Who is Berxi, and why should I buy insurance for wellness and fitness professionals from Berxi?

At Berxi, you can expect a better insurance experience, thanks to our affordable coverage, financial stability, and outstanding service. Here are a few things that set us apart:

We work directly with you: We don't just sell you an insurance policy – we also handle your claim. Plus, working directly with us eliminates fees that are typical in insurance transactions.

We're fast: Get your policy in just a few minutes, without filling out long, tedious questionnaires. We simplify your buying experience while still offering a superior product.

Products

Vehicles

Property

Personal

Commercial

Claims Center

Manage Claim

Claims Help

Claims Process

After a Car Incident

Resource Center

Tips & Tools

Help & Support

Wellness and Fitness Insurance

What is wellness and fitness insurance?

Who needs wellness and fitness insurance coverage?

Why do fitness instructors and wellness professionals need liability insurance?

How much does insurance for fitness instructors and personal trainers cost?

What does insurance for fitness instructors and wellness professionals cover?

Professional Liability Insurance

Defense Counsel

Consent to Settle

Good Samaritan Coverage

HIPAA Violation Defense

Licensing Board Protection Defense

Wage Loss/Deposition Expenses

Reputation Coverage

Worldwide Coverage

Business/General Liability Coverage

Medicare/Medicaid Reimbursement Endorsement

Wellness and Fitness Insurance Policies

Need to speak with us about insurance for fitness instructors or personal trainers?

Fitness Instructor & Personal Trainer Insurance FAQs

What are wellness & fitness insurance "limits", and how do they work?

I already have personal trainer liability insurance through my employer. Why would I need more?

Where can I manage my wellness and fitness insurance policy?

Who is Berxi, and why should I buy insurance for wellness and fitness professionals from Berxi?

What coverages do I need as a group fitness instructor?

Do I need liability insurance as an online fitness coach?

Are there any wellness or fitness professions that are not eligible for this type of insurance?

What is wellness and fitness insurance?

Who needs wellness and fitness insurance coverage?

Why do fitness instructors and wellness professionals need liability insurance?

How much does insurance for fitness instructors and personal trainers cost?

What does insurance for fitness instructors and wellness professionals cover?

Professional Liability Insurance

Defense Counsel

Consent to Settle

Good Samaritan Coverage

HIPAA Violation Defense

Licensing Board Protection Defense

Wage Loss/Deposition Expenses

Reputation Coverage

Worldwide Coverage

Business/General Liability Coverage

Medicare/Medicaid Reimbursement Endorsement

Wellness and Fitness Insurance Policies

Need to speak with us about insurance for fitness instructors or personal trainers?

Fitness Instructor & Personal Trainer Insurance FAQs

What are wellness & fitness insurance "limits", and how do they work?

I already have personal trainer liability insurance through my employer. Why would I need more?

Where can I manage my wellness and fitness insurance policy?

Who is Berxi, and why should I buy insurance for wellness and fitness professionals from Berxi?

What coverages do I need as a group fitness instructor?

Do I need liability insurance as an online fitness coach?

Are there any wellness or fitness professions that are not eligible for this type of insurance?

Products

Vehicles

Property

Personal

Commercial

Claims Center

Manage Claim

Claims Help

Claims Process

After a Car Incident

Resource Center

Tips & Tools

Help & Support

Access Your Policy