Professional Liability Insurance

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.

Yes. This coverage will follow you wherever you go in the world. However, any claims must be filed within the United States, Canada or Puerto Rico.

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 in this policy for online training or “telehealth”. However, if you are not providing services via a live feed, we recommend having your client(s) sign a waiver or add a disclaimer to your website if you are providing downloadable videos for your client/s to use.

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 can also view your policy any time by visiting your My Account here.

If you do not have a current IDEA Membership, your fitness insurance policy will include a 1-year Basic membership to IDEA Health & Fitness Association, the world’s leading resource for fitness pros. Membership includes: exclusive discounts to top brands, client success tools, research-based professional content and much more!

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.