Professional Liability Fitness Insurance
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.
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.
Liability Fitness Insurance Coverage
$1,000,000 per claim
$3,000,000 aggregate limit
General Liability Fitness Insurance Coverage
$1,000,000 per claim
$3,000,000 aggregate limit
Sexual Molestation and/or Abuse
$100,000 per claim
$300,000 aggregate limit
Affordable Professional Liability Fitness Insurance for Fitness Pros
Insurance for full-time and part-time fitness professionals for as low as $91/year. Student pricing also available.
Pricing examples based on policies with a liability waiver. For a more accurate pricing, Get Instant Quote.
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].
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 a 1-year Basic IDEA membership with your policy at a deeply discounted rate.
IDEA membership gives you the professional tools you need to expand your client base, including:
- IDEA Fitness JournalGet 10 issues of this award-winning, research-based publication delivered to your door
- Client Success ToolsIDEAfit TV, Facebook Auto Poster and Professional Forms & templates
- Member PerksAccess 100+ exclusive discounts to top industry brands
- And More!
Questions about the IDEA membership included with your fitness insurance? Contact our Inspired Service Team at 800.999.4332, ext. 7 or [email protected].
This insurance coverage will follow you wherever you are in the world. However, any claims must be filed within the United States, Canada or Puerto Rico
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!
Group instructor insurance will help protect you.
Get a quote and purchase personal trainer insurance coverage online within minutes.
“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