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

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

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].