Hi Alphonso. Karin is correct. Your liability insurance as a personal trainer is separate. I understand from your question that you now has an IDEA membership, but one issue/question is whether you also ARE certified as a personal trainer. I did not look at your profile, however being certified is generally a prerequisite to obtaining liability insurance as well. So, make sure that you are fully certified as a personal trainer before checking into the insurance as you will probably be required to provide proof of that as well.