Group Fitness
Liability Insurance
Protect Your Career with Group Fitness Liability Insurance
As a group fitness instructor, your mission is to empower, motivate, and keep your fitness group moving safely, but are you taking steps to protect yourself? Our group fitness liability insurance is built specifically for the unique challenges of teaching fitness classes, so you can focus on leading workouts without worrying about legal or financial setbacks.
With MMIP’s comprehensive liability coverage, you’re protected from potential claims like bodily injury or even advertising injury that could occur during a fitness class. Whether someone gets hurt using exercise equipment, slips on a studio floor, or accuses you of a misunderstanding, we’re here to help you through it.
Our fitness instructor insurance is affordable, flexible, and designed to fit your busy schedule, so no matter where or how you teach, your fitness business stays protected.
MMIP’s Group Fitness Insurance is trusted by instructors in gyms, studios, and wellness spaces nationwide. We offer nationwide coverage and flexible monthly payments with no extra cost.
Lead your next class with confidence—we’ve got your back!
Group Fitness Liability Insurance Cost
$169 - 1 Year
Our Group Fitness insurance policy is tailored by years of experience just for practitioners. We provide perks and benefits other companies don't - like free CEs, coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work fewer hours? Pay lower rates. This Group Fitness liability insurance policy is for professionals who work fewer than 10 hands-on hours per week but still want high-quality insurance coverage.
$299 - 2 Year
Protect yourself with our two-year Group Fitness liability insurance policy that saves you $39 over the course of your membership. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in coverage for two years.
Already insured & looking to renew?
What Our Group Fitness Insurance Covers
Group Fitness insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our Group Fitness Insurance Plans Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that can cause a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. A client tripping over a loose front doormat and injuring themselves is an example of an event that would fall under this coverage type.
Personal & Advertising Injury Coverage: This coverage can provide financial assistance to Group Fitness instructors if they become legally obligated to pay damages from claims related to false advertising, libel, slander, or copyright infringement. For example, if an instructor's marketing materials inadvertently include false statements that damage another person's reputation, this coverage can help with legal and financial fallouts.
Professional Liability Insurance: Also called “malpractice coverage,” this protection is for the actual services you provide during a Group Fitness session. If a client reports an injury, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Identity Theft Protection Plan: Today’s Group Fitness instructors are more exposed to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way up to $25,000 in identity restoration services.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What is Group Fitness?
Group Fitness is a dynamic and motivating way to stay active. It combines the energy of a fitness class with the guidance of a trained Group Fitness instructor. Whether it’s high-intensity interval training, dance cardio, boot camps, or strength training, group fitness programs help participants improve their health, build strength, and stay consistent with their goals, all in a supportive setting.
Group exercise has roots going back to the aerobics boom of the 1980s, but today’s fitness instructors lead diverse, modern classes in gyms, studios, and fitness facilities across the country. From beginners to seasoned athletes, people join group classes for the structure, accountability, and community they provide.
But teaching Group Fitness isn’t just about workouts; it’s a professional responsibility. Fitness professionals are expected to manage risk, guide proper technique, and ensure everyone’s safety in class. That’s why fitness liability insurance is important. It protects you from the unexpected, like injury from slips and falls, and gives you peace of mind so you can focus on empowering your clients.
Whether you’re choreographing a new routine or coaching through circuit training, Group Fitness keeps people moving, and your leadership keeps them safe.
Do I Need Group Fitness Liability Insurance?
Absolutely! Having Group Fitness liability insurance is a smart move—and in some cases, it’s even required by law. Every state has different regulations, so it’s important to stay informed and make sure you’re covered.
Insurance isn’t just about meeting legal requirements—it’s about protecting yourself from unexpected situations, like a client experiencing an injury during a session or a misunderstanding about treatment results. With the right coverage, you can focus on helping your clients perform at their best without worrying about potential risks.
Don't take chances with your career—get the protection you need and practice with confidence!
What Should I Look for in a Group Fitness Insurance Policy?
Prioritize a policy that covers both professional and general liability, including a range of services like sports massage, Swedish massage, yoga, and cosmetology. Also, look for policies offering free continuing education, member discounts, and flexible payment plans.
Our Group Fitness insurance policy checks all these boxes, making sure that every aspect of your practice is protected. With our specialized insurance policy, you'll confidently focus on providing exceptional care to your clients, knowing that you have complete and tailored coverage backing your professional journey.
Hear What Our Liability Insurance Members Have To Say
Frequently Asked Questions
Why do I need liability insurance as a group fitness instructor?
Accidents can happen in any fitness class, even when you're being careful. Whether someone trips over exercise equipment or claims you gave poor advice, insurance for fitness helps protect your fitness career from expensive claims and legal fees.
Does MMIP require a long application process?
Not at all! Unlike many other insurance companies, MMIP has an instant, 100% online application process. No paperwork. No waiting. Just fast, easy coverage you can buy today, so you can get back to leading your class.
What kind of professionals do you cover?
We offer coverage for a wide range of wellness professionals, including group fitness instructors, personal trainers, and even yoga instructors. If you're in the fitness or wellness space, there's a great chance we’ve got a plan for you.
Will I get proof of coverage right away?
Yes! As soon as you complete your online purchase, you’ll receive instant proof of insurance straight to your inbox. No delays—just peace of mind.
What is the typical policy period for group fitness insurance?
Your MMIP policy is active for a full 12-month policy period from the date of purchase. You’re covered year-round, no matter how many classes you teach or where you teach them.
Is MMIP a trusted insurance company?
Yes! MMIP is a leading provider of fitness instructor insurance and is trusted by thousands of instructors, personal trainers, and wellness professionals across the country. Our affordable, flexible plans make it easy to stay protected.
