Fitness Instructors and Personal Trainers Insurance

 Liability insurance for fitness instructors and personal trainers is easy when you quote, apply, and buy online! Just answer a few questions, get a quote, and receive evidence of coverage immediately after payment via email. 

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Personal trainer and fitness instructor general liability coverage helps protect the insured from damages for bodily injury to others and for damage to the property of others resulting from fitness instruction activities. Insurance also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, or omission in the discharge of fitness activities) that occur as a result of fitness instruction activities.  

  • One-year and two-year insurance terms available.  

Do you need to manage or renew a policy that you purchased through our online process?


Please click on the link below to download an application. Depending on your browser settings, the application may download directly to your computer without opening. Please check your download folder to find the PDF application document.

Did you know?

  • No charge for Certificates of Insurance for the Personal Trainer and Fitness Instructor Insurance program. 
  • An applicant with multiple locations is eligible for this program as long as each location’s square footage is 3,000 square feet or less. For operations with locations over 3,000 square feet, contact us for information on other available programs.
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Contact information for Personal Trainers and Fitness Instructors

Ready to get started?

Insuring fun is our business; since 1952, K&K has offered coverage solutions for motorsports, sports, leisure and entertainment organizations. Let’s get started; click the button below and apply now!

Virtual Training

This program includes insurance for virtual fitness instruction under the insured’s direct supervision or that is organized by the insured and accessible to clients only (through a private platform such as a password-protected website or a closed Facebook group). 


The policy does not provide insurance for any training material that is accessible to the general public. 

The insured is to maintain all reasonable precautions when assessing potential new clients online, including but not limited to: health assessments, waivers and release forms, interviews with clients prior to instruction or training. 


We encourage our clients to consult with their attorneys to consider special waiver and release agreements that will apply specifically to online virtual training. 

Virtual training and instruction does not extend to gymnastic apparatuses, tumbling, stunting (including pyramids), and in-water activities. 

Why choose K&K?

  • Longevity
    Celebrating over 70 years of providing customized insurance solutions 

  • Stability
    Insuring more than 350,000 events and organizations each year 

  • Experience
    Offering over 80 sports, leisure, recreation, and motorsports programs
Why choose K&K? T05

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All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.