Wellness and Fitness Insurance

Wellness and fitness insurance is a type of professional liability insurance that helps protect professionals like personal trainers and fitness instructors against claims of injury and negligence.

Liability insurance for fitness professionals provides financial support for hiring lawyers and paying settlements, so you don't have to dig into your savings. It also provides peace of mind that you'll have support if a claim is filed against you or your business.

We know your job focuses on taking care of your clients. Our job is to provide the insurance you need. The GEICO Insurance Agency has teamed up with Berxi to make insurance easy for fitness instructors and personal trainers. Together, we're ready to help you with affordable, same-day coverage, 24/7 access to your online account, and a team specialized in wellness and fitness insurance. Get your fast and free quote today.

Berxi offers wellness and fitness insurance options that include flexible limits of liability coverage and convenient payment plans. The most common wellness and fitness coverages provided by Berxi are:

You can reach Berxi at (833) 923-3001.

• Mon - Fri
  8:00 AM - 8:00 PM (ET)
• Sat
  9:00 AM - 5:30 PM (ET)

• What are wellness & fitness insurance "limits", and how do they work?

  Wellness & fitness insurance limits are similar to what you may see on your car insurance policy. Limits break down into two parts shown below:

  Example: $1 Million/$3 Million

  • The first number ($1 million) is the "per claim" limit, meaning the maximum amount of money your policy will pay for each claim.
  • The second number ($3 million) is the "aggregate" limit, meaning the maximum total amount your policy will cover you in any policy year.
• I already have personal trainer liability insurance through my employer. Why would I need more?

  Think of it as an added layer of security that's dedicated specifically to protecting your assets, career, and reputation.

  Your employer (e.g., a large gym) might have a policy that protects its brand, but in the event that you – an individual instructor – are named a lawsuit, your employer's policy might not fully protect you. Or your employer might want to settle a claim, but you might want to dispute it. Having your own policy can help you feel more in control of the outcome.
• Where can I manage my wellness and fitness insurance policy?

  It's easy to manage your policy with Berxi. Please see Berxi's contact info, for help to make a payment, file a claim, and more.

• Who is Berxi, and why should I buy insurance for wellness and fitness professionals from Berxi?

  At Berxi, you can expect a better insurance experience, thanks to our affordable coverage, financial stability, and outstanding service. Here are a few things that set us apart:

  We work directly with you: We don't just sell you an insurance policy – we also handle your claim. Plus, working directly with us eliminates fees that are typical in insurance transactions.

  We're part of Berkshire Hathaway Specialty Insurance: You could say that we offer the best of both worlds. We're as flexible as a start-up, and we have the financial stability to back our customers long into the future.

  We're fast: Get your policy in just a few minutes, without filling out long, tedious questionnaires. We simplify your buying experience while still offering a superior product.

  We're here for our customers: If you need it, we have real humans available to help you too! When you call our support line, you'll reach one of our product specialists who'll work hard to answer all of your questions. Being a customer-first company is part of our mission – and we have a great reputation for it.

• What coverages do I need as a group fitness instructor?

  As a group fitness instructor, you'll typically need general liability insurance to cover accidents like slips and falls, as well as professional liability insurance to protect against claims of negligence or improper instruction. If you rent or own studio space, property insurance may also be necessary. Coverage needs vary, so it's a good idea to have an insurance specialist help you assess your specific risks and location requirements.

• Do I need liability insurance as an online fitness coach?

  Yes, liability insurance is important for online fitness coaches to protect against claims related to advice or guidance that may cause injury. You may want to consider both professional liability coverage to protect you against negligence claims and cyber liability coverage to protect you in the event of a data breach. This ensures you're covered for both physical and digital risks.

• Are there any wellness or fitness professions that are not eligible for this type of insurance?

  Certain high-risk activities or niche professions, such as extreme sports trainers or unlicensed alternative therapists, may not qualify for standard fitness insurance policies. Each insurance provider has specific eligibility criteria, so it's important to check the exclusions. If your profession is excluded, you may need specialized insurance tailored to your field.