Fitness Instructors and Personal Trainers Insurance

Enrollment by telephone is not permitted. You can apply for coverage by completing an enrollment form and submitting it to K&K as directed on the form.

This is the maximum amount to be paid out in any policy period for all covered claims.

A certificate is a document prepared by K&K providing you evidence of insurance. You will automatically receive a certificate providing proof of coverage once coverage is bound. You only need to complete the certificate request section if you have been asked to provide another certificate, to an entity such as the facility where you work.

No. You will receive a certificate of insurance as proof of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the Sports, Leisure and Entertainment Risk Purchasing Group (RPG). The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, In., PO Box 2338, Fort Wayne, IN, 46801-2338.

An acceptable certification or accreditation program establishes standards and guidelines for the delivery of quality and professional fitness services. Normally, to maintain certification, yearly continuing education classes are required. Please see the enrollment form or apply online for a list of accepted organizations.

Premiums start at $179.

Many gyms and studios carry their own liability insurance, but that coverage is written primarily to protect the facility, not necessarily you as an individual trainer. You may not always be included as an insured, and even if you are, the gym’s coverage might not follow you if you train clients at multiple locations.

If a client is injured and believes your programming, spotting, or instructions contributed to the injury, you can be named personally in a claim. Having your own fitness instructor and personal trainer liability insurance through a program like K&K’s helps provide dedicated protection for your services as a professional, rather than relying solely on how a gym’s policy might respond.

Yes. Even low‑impact training, stretching, mobility, or general wellness coaching can lead to claims if something goes wrong. Clients can slip on a mat, twist an ankle during a simple movement, aggravate a pre‑existing condition, or later allege that your advice caused or worsened an injury. Courts and medical bills don’t depend on how “intense” a session was. If a client believes your guidance, progression, or exercise selection contributed to their injury, they may try to hold your business responsible. Fitness instructor and personal trainer liability insurance is designed to help protect your personal assets and your brand, so one unexpected incident or allegation doesn’t jeopardize your ability to keep working with clients.

Waivers and informed consent forms are important risk‑management tools, but they are not a guarantee that you won’t be sued. Clients can still file a claim even after signing a waiver, and courts may decide that a particular waiver is unclear, or not enforceable under local law. Liability insurance for fitness instructors and personal trainers is intended to step in when a covered claim is made, helping with legal defense costs and, if applicable under the policy, settlements or judgments. It also helps respond to certain types of allegations that waivers can’t prevent, such as claims of negligent instruction, improper spotting, or failure to modify an exercise. For independent trainers, this protection can be a key part of running a professional, sustainable business and meeting insurance requirements from gyms, landlords, and corporate wellness clients.