Beauty, bodywork, and fitness all go hand in hand. If you’re expanding your services into yoga, Pilates, personal training, or other fitness specialties, it’s crucial to ensure your liability coverage protects all the ways you help clients feel their best.
Many professionals assume their current policy automatically covers fitness modalities, but these often only cover beauty and bodywork services, specifically. A fitness trainer endorsement is a simple way to extend your liability insurance to also cover fitness offerings.
What Is a Fitness Trainer Insurance Endorsement?
Endorsement: A change made to your insurance policy
A fitness trainer insurance endorsement is an add-on that expands your Beauty & Bodywork Insurance (BBI) policy to include coverage for fitness services. It’s not a separate policy, but akin to an insurance upgrade — unlocking protection for one-on-one sessions, group classes, and even pre-recorded online workouts.
BBI offers several insurance endorsements, or optional add-ons, so you can tailor your base policy to your business needs.
Why Fitness Instructor Insurance Matters
Beauty and bodywork insurance policies typically exclude fitness services. But accidents can happen anywhere you help clients: in the beauty chair, on the massage table, and in the fitness studio.
Fitness instructor coverage, through an endorsement on your policy, financially protects you from costly liability claims if a client accidentally gets injured or their property is damaged because of your business.
For example, if your client:
- Sprains an ankle during a yoga stretch,
- Slips and falls on spilled water in the studio,
- Has their smartphone smashed by a kettlebell,
- Or claims your services didn’t give them the results they wanted
… the fitness trainer insurance endorsement can cover the costs to make things right. Without the endorsement, you have a coverage gap and could end up paying hundreds of thousands of dollars out of pocket.
No matter how careful and experienced you are, a fitness coverage endorsement gives you peace of mind to help clients achieve their wellness goals — without worrying about risks.
Expert Insight From Our Content Team
Fitness and exercise come with their own risks that your base bodywork policy isn't designed to cover. So if you start offering something like yoga instruction without updating your policy, you run the risk of having a yoga-related claim denied or even being investigated for misrepresentation (aka fraud). For less than $3/month, the peace of mind the endorsement offers is well worth it.
What the Fitness Insurance Endorsement Covers
The fitness insurance endorsement covers many popular sports and fitness modalities, including:
- CrossFit
- Aerobics
- Dance
- Yoga
- Pilates
- Spin
- Barre
- Zumba
- Golf
- Gymnastics
- Step Aerobics
- Personal Training
- Sports Coaching
- Sports Officiating
- Youth Fitness
- Group Fitness
- Online Classes
- Non-Contact Tai Chi
- Physique Fitness
- Plus more!
Review your policy for exact coverage and exclusions.
- Cost: +$2.75/month added to your ($9.99) base policy
- Coverage Limits: $2 million per claim; $3 million aggregate (per policy period)
- Covers you wherever you work (from studio to clients’ homes or online)
- Includes general and professional liability insurance
- Instant proof of insurance upon endorsement purchase
- Backed by a top-rated carrier
How to Add the Fitness Professional Endorsement to Your Policy
There are two easy ways to add the fitness professional insurance endorsement to your policy.
➡️ If you’re new to BBI, add on the coverage endorsement when you purchase your policy through the online application.
➡️ If you already have BBI coverage, log in to your user dashboard and navigate to “Change Policy Options” to add the endorsement.
Once you add the fitness trainer endorsement, pay, and check out, you’ll have instant coverage for fitness services. Get ready to roll out your yoga mat — or cue up your best personal training playlist!
Expand Your Services Confidently With BBI
BBI understands the beauty and bodywork industry — in fact, we added this endorsement because many of our policyholders requested it! Get comprehensive coverage for your growing beauty and wellness business without breaking the bank or juggling multiple policies.
Over 69,000 professionals already trust BBI to protect their work. Join them today and start training worry-free. Your fitness trainer endorsement is just a few clicks away.
FAQs About Liability Insurance for Fitness Trainers
What Is Fitness Trainer Insurance?
Fitness trainer insurance from BBI is an endorsement (add-on) to your policy that covers your fitness services from third-party claims of injury, property damage, or professional mistakes.
Why Do Fitness Professionals Need Insurance?
Fitness professionals need insurance to protect their businesses in case something goes wrong while training clients. From slip-and-falls over spilled water to overexertion injuries, this coverage is designed to pay for expensive liability claims your business may face.
Plus, many contracts and lease agreements require proof of insurance. If you offer a range of beauty, bodywork, and fitness services, you need insurance to work with peace of mind and safeguard your business.
Can One Policy Cover Both Bodywork and Fitness Training?
Yes! A single BBI policy can cover bodywork (like massage, reiki, and acupressure) and fitness training. Simply add the fitness trainer endorsement to your policy through the online app or your user dashboard to get total coverage for your services.
What Are Some Common Misunderstandings of Fitness Endorsements?
Here are some common myths about fitness endorsements — debunked:
- “My beauty policy covers everything”: Most beauty insurance policies exclude coverage for physical fitness, unless an endorsement is added
- “Endorsements are expensive”: BBI’s fitness endorsement only costs $2.75/month or $33/year
- “I don’t need it unless I train full-time”: You face risks, like client injuries or workout plans that backfire, even if you only work part-time!
BBI’s fitness trainer endorsement is easy to add, affordable, and empowers you to focus on what matters: helping clients.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Beauty and Bodywork Insurance. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
