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 insurance coverage. Additionally, this insurance isn’t limited to Kev’s Gym—it can also provide coverage for other fitness-related work you do independently.

The typical cost ranges from $100–$200 per year, making it a relatively small investment considering that Kev’s Gym provides ongoing marketing, sales, scheduling, and administrative support to help generate leads and match you with teaching opportunities.

We’re committed to supporting professional, responsible instructors, and maintaining appropriate insurance coverage is an important part of that standard.

---

Recommended Low-Cost Insurance Providers

Please note: Pricing and coverage may vary by state and policy. The information below is intended as a general guide.

1. Insure Fitness Group

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

2. NEXT Insurance

• Cost: Starts around $11/month
• Coverage: Customizable liability coverage
• Includes: General liability, professional liability, tools & equipment
• Website

3. Hiscox

• Cost: Approximately $12–$20/month
• Coverage: General and professional liability
• Highlights: Can be bundled with a Business Owner’s Policy (BOP)
• Website

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

• Cost: Approximately $190/year
• Coverage: $1M per occurrence / $3M aggregate
• Best For: Fitness instructors, personal trainers, yoga and Pilates instructors
• Website

5. IDEA Health & Fitness Association Insurance

• Cost: Approximately $152/year (for IDEA members)
• Coverage: General and professional liability
• Includes: Optional equipment and event coverage
• Website

6. Alternative Balance

• Cost: Approximately $179/year
• Coverage: $1M per occurrence / $2M aggregate
• Best For: Fitness instructors, yoga, massage therapists, Reiki practitioners, and dance instructors
• Website

7. Harborway Insurance

• Cost: Starts around $15/month
• Coverage: General liability, professional liability, optional property coverage
• Highlights: Simple online application designed for independent contractors and small businesses
• Website

8. biBERK (A Berkshire Hathaway Company)

• Cost: Competitive monthly and annual rates (varies by coverage)
• Coverage: General liability, professional liability, business owner’s policies, and more
• Highlights: Online quotes, no broker fees, backed by Berkshire Hathaway
• Website

9. Prime Insurance Services

• Cost: Varies by coverage and state
• Coverage: Professional liability designed specifically for teachers and instructors
• Best For: Fitness, yoga, dance, and wellness instructors seeking professional liability coverage
• Website

10. Insurance Canopy

• Cost: Typically starts around $13–$17/month (or annual plans available)
• Coverage: General liability and professional liability
• Best For: Personal trainers, fitness instructors, yoga instructors, and wellness professionals
• Highlights: Instant online coverage with options for additional insured certificates
• Website

11. NACAMS (National Association of Christian Arts Ministries)

• Cost: Low-cost annual plans available (varies by membership and coverage)
• Coverage: Liability insurance for dance instructors and performing arts professionals
• Best For: Dance instructors and movement professionals
• Website

---

Note: Kev’s Gym does not endorse any particular insurance provider. These companies are simply provided as a convenience to help instructors compare affordable coverage options. Instructors are responsible for selecting a policy that meets Kev’s Gym’s insurance requirements and their individual professional needs.