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UPDATE 11/09: As mentioned course access is inaccessible at this time. We expect it to be live by 11/29 or sooner. Please check back for updates. Thank you for your patience.

Fitness and Wellness Insurance

Liability insurance & IDEA membership for as low as $111/year

Broadest Coverage. Lowest Cost.

You are unique, so your fitness insurance should be, too.
We’ve made it easy to tailor coverage to your unique needs at competitive rates.

IDEA Professional Liability Insurance, in partnership with Lockton Affinity, has created a program to provide access to comprehensive liability insurance coverage for fitness professionals at an affordable price. Underwritten by Lloyd's, the premier professional liability insurance market in the industry, combined with IDEA's vast network and resources, our program provides unmatched coverage and security designed specifically for fitness professionals and small business owners.

IDEA Liability Insurance also covers both virtual training and online video instruction for fitness pros.

Liability insurance for various professions:

Personal trainer insurance

Personal Trainer Insurance

Yoga teacher insurance

Yoga Teacher Insurance

Gym insurance

Gym Insurance

Martial arts insurance

Martial Arts Insurance

Physical therapy insurance

Physical Therapy Insurance

Group fitness insurance

Group Fitness Insurance

Youth fitness insurance

Wellness Insurance
(Select Pilates on Application)

Golf insurance

Golf Insurance

Dietician liability insurance

Dietician Liability Insurance

Pilates instructor insurance

Pilates Instructor Insurance

Triathlon insurance

Endurance Triathlon Insurance

Water fitness insurance

Water Fitness Insurance

Feldenkrais insurance

Feldenkrais Insurance
(Select Pilates on Application)

Senior/Older Adult fitness insurance

Senior/Older Adult Insurance

Youth fitness insurance

Youth Fitness Instructor Insurance

Professional Liability Fitness Insurance Coverage

Professional liability fitness insurance protects you if you are sued for negligence, including claims of:

  • Personal injury (e.g., libel or slander)
  • Property damage to others
  • Bodily injury
  • Loss of earnings for attendance at arbitration, trial or mediation
  • Deposition Fees and Expenses
  • Temporary staff and independent contractors
  • Sexual misconduct
  • Licensing Board Investigation
  • Medical Expense

For a complete list of coverage, contact us at 844.257.4079.

Coverage Limits

Professional Liability Fitness Insurance Coverage
$1,000,000 per claim / $3,000,000 aggregate limit
Basic General Liability Fitness Insurance Coverage
$1,000,000 per claim / $3,000,000 aggregate limit
Sexual Molestation and/or Abuse Insurance Coverage
$100,000 per claim / $300,000 aggregate limit

Affordable Professional Liability Fitness Insurance

Insurance for full-time and part-time fitness professionals plus IDEA membership. Choose a plan to get an instant quote.

Basic Plan
Liability insurance coverage plus Basic IDEA Membership starting as low as $111/yr. Includes:

  • Fitness Journal Publication - free subscription to our award-winning publication with research based content to keep you informed on the latest trends.
  • Fitness Directory Listing - get featured in our professional directory that allows you to get in front of potential clients looking for a trainer.

Premium Plan
Liability insurance coverage plus IDEAfit+ Membership starting as low as $290/yr. Includes:

  • Basic Membership Benefits & more!
  • Event discounts - Get member's only pricing and VIP access to select IDEA events.  
  • Unlimited CECs - access our library of online education courses approved by 25 major agencies including ACE, ACSM, NASM, and NCSA.
  • Social Media Management Tool - create and schedule your social media posts or select our curated content to use.
  • Client Email Marketing - send branded newsletters to your clients using IDEA content.
  • Articles & Publications - access 15,000+ of articles and publications to stay informed on industry trends and learn techniques and strategies to help you in your profession.
  • Workout Builder - create your own workouts and upload them to share with your clients or create a workout using our video library.
  • IDEAfit TV - explore 850+ videos and 300+ approved CEC courses developed exclusively for IDEA by industry icons, influencers and educators.
  • Membership Perks - unlock exclusive discounts, events, webinars and more!

First-Time Applicant FAQs

You’ve worked hard to establish yourself as a fitness professional, but it only takes one incident to put all of that in jeopardy. Protecting yourself with liability fitness insurance can help you in the event you are ever sued for injury or damages.

We know fitness insurance can be confusing, so we’ve put together a few questions you may have as a first-time applicant.

What is Professional Liability Fitness Insurance?

Professional liability fitness insurance, commonly known as E&O (Errors & Omissions), 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.

What’s at risk?

Time. Regardless of guilt or innocence, legal proceedings can take months, if not years, to settle. A Professional Liability policy will help provide professional support so that you do not have to take time away from what matters most to deal with litigation.

Money. 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. With Professional Liability Fitness Insurance you can choose a limit that suits your needs to cover these expenses.

Reputation. In the professional landscape, your reputation can mean everything. By securing Professional Liability Fitness Insurance, you’re showing that you take your profession seriously and you stand ready to protect your good name.

Isn’t my employer’s coverage good enough?

Professional Liability coverage provided by employers like health clubs, homes, YMCAs, gyms, private clubs, etc., don’t provide enough insurance protection for you personally if you are defending yourself against a liability claim. Whether you’re employed, self-employed, work full-time or part-time, having your own Liability Fitness Insurance will give you personal protection against financial loss.

Common Insurance Terms

Premium. The amount that you pay on a regular basis to your insurer for your insurance coverage.

Limit. The maximum amount the insurance company will pay under a given policy.

Deductible. Portion of the insured loss (in dollars) paid by the policy holder. IDEA's fitness and wellness liability insurance policies have no deductible.

Still have questions about fitness professional liability insurance? Contact us at 844.257.4079 or [email protected].

Frequently Asked Questions

Liability fitness insurance protects you if a lawsuit is brought against you for negligent practices. The purpose of a waiver is to warn the client of possible harm. By signing the waiver, clients agree that they understand the potential risk and will take part in the activity anyway. However, the waiver does not keep clients from suing you if they believe you were negligent in your practices and caused them harm.
Liability fitness insurance protects you if a lawsuit is brought against you for negligent practices. This particular policy provides coverage for professional liability (negligence claims) and general liability (accidents).
We recommend you verify your coverage under the facility where you train. However, if you are an independent contractor and/or train your own clients in a studio or facility owned by someone else, then you are most likely NOT covered by the professional liability and general liability policy of the facility.
No. Certification is not required to get a quote or purchase a policy.
No. We provide coverage for full-time (more than 6 hours per week), part-time (less than 5 hours per week) trainers and instructors, and students (work only under the supervision of others).
Yes. Your professional liability with general liability fitness insurance policy will follow you regardless of the facility or location you work. However, this policy only covers individuals within the United States.
Additional insured status provides fitness insurance coverage to added parties on your professional liability with general liability policy. They enjoy protection from any risk that arises out of the original-named insured's conduct or operations. You can typically add Additional Insureds to your coverage if you are required by contract to do so. To add an Additional Insured, contact us at 844.257.4079 or [email protected].
No. Professional liability fitness insurance provides coverage for claims brought against you. It does not provide coverage for you in the event of an injury to yourself.
There is no exclusion for online training with this policy; however, we recommend you review the Physical Presence Exclusion within the policy.
No. This policy only provides coverage within the United States.
Yes. Your professional liability with general liability policy will follow you regardless of the facility or location you work.
You will receive your certificate of insurance by email once you complete the purchase of your policy through the online application.
You may cancel your policy by providing written notice to [email protected]. Check the cancellation provisions prior to purchasing coverage or contact us for more information.

About IDEA Insurance

We’ve partnered with Lockton Affinity to meet the dynamic, specialized insurance needs of fitness professionals. Lockton Affinity is part of Lockton Companies, the world’s largest privately held, independent insurance broker. With 30 years of serving fitness professionals, Lockton Companies is one of the most respected and experienced insurance brokerage firms in the country, using its leverage as a global broker to provide the most competitive pricing. In 2016, JD Power & Associates named Lockton Companies the highest performing insurance broker.

As the world’s leading resource for fitness pros since 1982, we know access to affordable fitness insurance is just one of many things that you need to keep you thriving, so we’ve included IDEA memberships plans with your policy at a deeply discounted rate.

Questions about the IDEA membership included with your fitness liability insurance? Contact our Inspired Service Team at 800.999.4332, ext. 7 or [email protected].

Affordable Professional Liability Fitness Insurance

Insurance for full-time and part-time fitness professionals plus IDEA membership. Choose a plan to get an instant quote.

Basic Insurance

Basic Plan

Liability insurance coverage plus Basic IDEA Membership starting as low as $111/yr.

IDEAfit+ Insurance

Premium Plan

Liability insurance coverage plus IDEAfit+ Membership starting as low as $290/yr.

Victor Brick

“IDEA 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, Co-Founder of Brick Bodies Fitness Services


Contact us at (800)-999-IDEA (4332)

Monday- Friday
9:00 AM - 7:00 PM (EST)