At Kev’s Gym, we require all instructors to carry general liability insurance before teaching classes. This is a non-negotiable requirement from many of the senior communities and corporate clients we partner with. In the event that someone is injured during a class, it’s important that you are protected, and that the facility knows you carry appropriate coverage. Additionally, this insurance isn’t limited to Kev’s Gym — it can also cover you for other fitness-related work you do independently. The typical cost ranges from $100–$200 per year, which is a relatively small investment considering that Kev’s Gym provides ongoing marketing, sales, and administrative support to help generate leads and match you with teaching opportunities. We’re committed to supporting professional, responsible instructors — and this is an important part of that standard.

Please find below a list of some low-cost insurance providers that we recommend

1. Insure Fitness Group

• Cost: ~$169/year
• Coverage: $1M per occurrence / $3M aggregate
• Includes: General & professional liability, stolen equipment, identity theft protection
• Website: insurefitnessgroup.com

2. NEXT Insurance

• Cost: Starts at ~$11/month (varies by state and coverage)
• Coverage: Customizable liability coverage
• Includes: General liability, professional liability, tools & equipment
• Website: nextinsurance.com

3. Hiscox

• Cost: ~$12–$20/month depending on location and coverage
• Coverage: General & professional liability
• Flexible: Can bundle with business owner’s policy
• Website: hiscox.com

4. K&K Insurance (Fitness & Wellness Insurance Program)

• Cost: ~$190/year for instructors (varies by state)
• Coverage: $1M/$3M liability
• Good for: Fitness instructors, personal trainers, yoga/Pilates teachers
• Website: kandkinsurance.com

5. IDEA Health & Fitness Association (IDEA Insurance)

• Cost: ~$152/year (for IDEA members)
• Coverage: General and professional liability
• Includes: Optional additional coverage for equipment or events
• Website: ideafit.com

6. Alternative Balance

• Cost: ~$179/year
• Coverage: $2M aggregate / $1M per occurrence
• Also covers: Reiki, massage, dance instructors — great for hybrid professionals
• Website: alternativebalance.com

7. Harborway Insurance

• Cost: Starts at ~$15/month
• Coverage: General liability, professional liability, optional property coverage
• Highlights: Simple online application, tailored for small businesses and contractors
• Website: harborwayinsurance.com