Why do fitness professionals need liability insurance?

Professional Liability Insurance covers the cost of certain legal fees, and settlements that you may face as a result of claims brought against you based on the advice or services you have provided. It is a critical piece of protection for many fitness professionals.

What's at risk if I don't have liability insurance?

Your time, money and reputation. Regardless of guilt or innocence, legal proceedings can take months, if not years, to settle. Even if you are absolved of any wrongdoing, defense costs can be significant. From discovery to settlement, legal fees may cost thousands, consuming your savings and racking up debt.

Basic Professional Liability Insurance
$1,000,000 per incidence
$3,000,000 aggregate limit
Sexual Abuse Professional Liability
$100,000 per incidence
$300,000 aggregate limit
Products Liability Insurance
$1,000,000 aggregate limit and
others available

Personal Injury Liability Insurance covers you against claims concerning libel, slander, or wrongful invasion of privacy.

Miscellaneous Professional Liability Insurance covers you against bodily injury claims arising out of delivering or failing to deliver services.

Higher Professional Liability Insurance Limits Available
You can increase your Professional Liability insurance limits of liability at very reasonable rates. Protecting yourself and your business assets has never been more important.

All new policy packages include a membership to IDEA Health & Fitness Association, the industry's leading educational resource for fitness pros.

“The Fitness and Wellness Insurance Program has provided us with excellent insurance coverage for over 12 years. As we have expanded our operations, they have met all our insurance needs.”
—Victor Brick IDEA Member since 1984 and CEO, Brick Bodies

About Lockton Affinity

Lockton Affinity is part of Lockton Companies, the world's largest privately held, independent insurance broker. With more than $27 billion in premium placed, over 6,500 global associates and a client retention rate of 96%, Lockton is one of the most respected firms in the industry. In fact, JD Power & Associates named Lockton Companies the highest-performing insurance broker in 2016 and 2017.

Lockton Affinity was formed in 1987 to meet the dynamic, specialized insurance needs of affinity groups, non-profits, associations and franchises. Today, we're proud to be one of the nation's leading program administrators, managing customized insurance solutions for groups of 100 to more than four million members.