Children's Fitness
Liability Insurance
Protect Your Career with Children's Fitness Liability Insurance
As a children's fitness instructor, your mission is to help kids grow stronger, move confidently, and stay active, but are you protecting yourself as well as you're protecting them? Our children’s fitness liability insurance covers the unique risks of working with kids, so you can focus on shaping their well-being without worrying about unexpected accidents.
From a twisted ankle during a game of tag to a slip on the gym floor, we provide comprehensive protection against bodily injury and even legal claims, making sure you’re covered no matter where or how you train.
Our flexible plans are built to support fitness professionals in schools, health clubs, studios, or online training sessions, with insurance coverage that meets you where you work.
MMIP’s Children’s Fitness Insurance is trusted by certified instructors, coaches, and fitness pros working in youth sports, group classes, and personal training environments across the country.
You bring the energy—we’ll bring the coverage.
Children's Fitness Liability Insurance Cost
$169 - 1 Year
Our Children’s Fitness insurance policy is tailored by years of experience just for professionals. We provide perks and benefits other companies don't - like free CEs, insurance coverage for more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work less hours? Pay lower rates. This Children’s 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 Children’s 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 Children's Fitness Insurance Covers
Children’s Fitness insurance from MMIP provides both liability coverage and additional safeguards that provide the best all-around protection possible.
Our Children’s 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 Children’s Fitness instructors if they become legally obligated to pay damages that arise from claims related to false advertising, libel, slander, or copyright infringement. For example, if a trainer'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 Children’s 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 Protection Plan: Today’s Children’s Fitness trainers are exposed more than ever 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 Children's Fitness?
Children’s fitness is a specialized approach to physical activity that focuses on helping kids build strength, coordination, flexibility, and confidence, all while having fun. Whether it’s through martial arts, youth sports, dance, or group games, these programs support healthy development while laying the foundation for lifelong wellness.
Led by certified instructors and fitness professionals, children’s fitness sessions blend play with structured movement to improve physical literacy, boost motor skills, and promote overall well-being. Activities may include obstacle courses, agility drills, exercise equipment games, yoga, or tai chi—all adapted for younger bodies and minds.
With kids’ high energy and ever-changing developmental needs, instructors must be especially mindful of potential risks, like falls, overexertion, or misuse of equipment. That’s why having the right instructor liability insurance is necessary to protect both the children and the coach from unexpected accidents and negligence claims.
From virtual training to in person sessions, children’s fitness is growing fast—showing up in health clubs, school programs, and community centers across the country. And with the right support, it’s helping kids thrive, one joyful training session at a time.
Do I Need Children's Fitness Liability Insurance?
Absolutely! Having Children's 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 insurance 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 Children's 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 Children's Fitness insurance policy checks all these boxes, making sure that every aspect of your service 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 insurance coverage backing your professional journey.
Hear What Our Liability Insurance Members Have To Say
Frequently Asked Questions
What does children’s fitness liability insurance cover?
Children’s fitness liability insurance helps protect fitness instructors, personal trainers, and yoga instructors from the costs that can come with unexpected accidents—like fall accidents, medical bills, or even legal fees. It can include professional liability coverage, general liability, and accident medical insurance to help with things like bodily injury or negligence claims that could occur during a session.
I’m just starting my fitness career—do I really need insurance?
Yes! Whether you're just launching your fitness career or you're a seasoned coach, having personal trainer insurance gives you peace of mind. Even a well-run class can lead to a sprain or a trip—kids move fast! Insurance helps protect you from financial burdens tied to medical costs, lawsuits, or injury claims.
What kind of fitness professionals need this insurance coverage?
This insurance is designed for anyone working with kids in a fitness setting—personal trainers, yoga instructors, group fitness leaders, school-based coaches, and more. If you're guiding movement, stretching, or workouts for children, you face unique risks that standard adult insurance coverage may not address.
What’s the difference between professional liability and general liability?
Professional liability coverage helps with claims related to your instruction, such as if someone says your coaching caused an injury. General liability covers broader risks like a child tripping over a mat or knocking over equipment. Both are part of our complete insurance coverage options.
Will my personal trainer insurance policy cover me in multiple locations?
Yes! If you teach in multiple locations—like schools, homes, parks, or fitness facilities—your personal trainer insurance policy follows you. Just make sure your plan includes additional insureds if you’re working under another business owner or facility.
What if I also offer virtual or online training?
We’ve got you covered! Our instructor insurance supports both in-person and virtual training, so your online process is just as protected as your gym floor. Whether clients join from home or you stream from a studio, your fitness business stays protected.
What are policy limits?
Policy limits are the maximum amounts your insurance company will pay for a claim. For example, our plans may include up to $2 million in coverage limits per claim, which helps cover medical expenses and legal fees. It's strong, comprehensive protection, so you can focus on helping kids hit their fitness goals.
Do I need liability waivers if I have fitness instructor insurance?
Yes. While insurance is a smart and necessary layer of defense, liability waivers are still a good idea. They help set clear expectations with parents before clients meet you for a training session. Waivers don’t replace insurance, but together, they offer smart insurance coverage solutions.
Why MMIP?
We’re not just another insurance company—we’re backed by an experienced team that understands how to protect instructors in even the most high-energy environments. With easy enrollment and a fast online process, you can get coverage in minutes and get back to doing what you love.
