Fitness Instructor
Liability Insurance

NAFI - National Association of Fitness Instructors

Who is eligible?
This program is designed for INDIVIDUAL personal trainers, group exercise instructors, martial arts instructors, Pilates and yoga instructors who are CERTIFIED by a nationally recognized certifying agency or for those who have a degree in exercise physiology.
NOTE: If you are currently not certified by a nationally recognized certification company, if you have been convicted of any felony, or if you sell private labeled supplements under your name, you do not qualify for this program. All trainers must also require all clients to sign waivers of liability.

What does this policy actually cover?
This is a professional liability insurance policy designed to protect an individual trainer and/or group exercise or dance instructor. It will cover you for claims brought against you for negligence involving bodily injury to your clients or group participants.

Does this policy cover defense costs?
Yes. In addition to the $1,000,000 per occurrence limit provided for negligence the insurance company will also pay for any costs associated with the investigation and defense of your case.

Where can I be covered under this policy?
This policy provides coverage no matter where you instruct or train: a gym, your home, your client’s home, or even an outdoor bootcamp.

Is $1,000,000 enough coverage?
The standard for the health and fitness industry is $1,000,000 and this is the amount that is generally requested from gym owners, community centers, municipalities and corporate clients. You also have a $3,000,000 policy aggregate.

How much does it cost to add the gym where I work as an "additional insured”?
There is no additional cost. You simply go to the "Add Additional Insured" page when you sign up and fill in the required information. We will automatically send you and the additional insured evidence of your insurance.

How soon can I get coverage?
Once you have completed the application and your credit card has been approved, your coverage will start the following day or any day you wish within the next 60 days.

What if I want to cancel my insurance before the end of my policy term, can I receive a refund?
The insurance premium and any fees are fully earned for the entire policy year. There are no refunds (unless mandated by your particular state).

What forms of payment do you accept?
We accept Visa and Mastercard.

Do I have to pay all up front?

Who is the insurance company underwriting this program?
The Personal Trainer Liability Insurance Program is underwritten by Great American Insurance Company. They are rated "A+ Excellent" by A.M. Best.