We’ve got you covered

Does your gym require proof of fitness instructor insurance?

Fitness facilities often require their trainers to provide a certificate of insurance before starting work. Download as many certificates of insurance as you need from our website - free of charge. Get the paperwork out of the way and hit the gym!

Challenge your clients - comfortably

Injuries happen when clients challenge their minds and their bodies. With our liability insurance for personal trainers, we help you focus on growing your training business - and protect you if things go wrong.

Simple monthly payments

No need to pay a large sum upfront. We keep fitness insurance affordable with easy monthly payments at no extra charge.

Coverage plans


Starting at
$11 per month

$500,000 limit
$0 deductible

Optional $100,000 limit
Nutrition/dietary supplement

$1,000,000 limit
$0 deductible

Optional $250,000 limit
Nutrition/dietary supplement

Pro Plus

Starting at
$16 per month

$2,000,000 limit
$0 deductible

Optional $1,000,000 limit
Nutrition/dietary supplement

All plans include Professional &
General Liability coverage

  • Injury to your client
    Your client tears their ACL during a session, and they sue you for $100,000. We’ll cover it.
  • Unhappy clients
    Your client doesn’t meet their fitness goals and blames you. They sue you for $75,000 for not providing the level of service that is expected of a personal trainer. We’ll cover it.
  • Sexual misconduct
    Your client sues you for touching them inappropriately during a session, even though you absolutely didn’t. As a result, you incur $50,000 in legal costs to defend yourself. We’ll cover it.
  • Harmful dietary advice
    You recommend a protein powder that causes an allergic reaction, and your client spends the night in the ER. They ask you to pay the $3,000 medical bill. If you purchased the optional coverage, we’ll cover it.
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please call us.

Got questions? We’ve got answers

How do I get a Certificate of Insurance?

We give you unlimited certificates of insurance, free of charge. Once you've purchased a policy, Click Here to input the details of your gym or studio. We'll get you your certificate as soon as your policy is ready, within one business day.

Do I have to pay the entire annual premium now?

No, to make it easier on your budget we allow you to make monthly payments.

Who is Next Insurance?

We're a group of designers, engineers, and insurance geeks based in Palo Alto, California. We want to use our deep industry experience at companies including Intuit, American Express, PayPal, Check, and Oracle to transform insurance for small businesses. We're an insurance agency licensed in all 50 states.

What our customers say about us

What made me choose [Next] was the convenience of being able to do it online and how quick it was - at the time I had less than 24 hours to get something over to the facility where I was going to be teaching. It’s really cool that you guys can make that turnaround so quick. And the price was very reasonable, too! Working with you was very professional and you were extremely helpful.

Sharon S.
Personal trainer

You guys have been wonderful, I really appreciate it. The last time I called, all of my questions were answered, I got exactly what I needed, and you guys are wonderful.

Angela Z.
Personal trainer

The quality and acumen were excellent. Next Insurance really provided me with full service, and I highly recommend them! I also appreciated the immediate & swift pace of signing me up. Next is on top of their game.

Lisa B.
Personal Trainer

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