fbpx Skip to content

Fitness Insurance

Liability insurance for as low as $91/year


Professional Liability Gym Insurance

Your business is unique, so your fitness club insurance and gym insurance should be, too.
We’ve made it easy to tailor coverage to your unique needs — at competitive rates.

Professional Liability Gym Insurance Coverage

Professional liability fitness club insurance protects your business 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

General Liability Gym Insurance Coverage

$1,000,000 per incidence
$3,000,000 aggregate limit

Sexual Abuse
General Liability Gym Insurance

$100,000 per incidence
$300,000 aggregate limit

Liability Gym Insurance

$1,000,000 aggregate limit
and others available

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 and your business with liability fitness club insurance can help you in the event you are ever sued for injury or damages.

We know fitness studio 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 Studio Insurance?

Professional liability fitness club 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 running your business 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 Studio Professional Liability 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 Studio Professional Liability 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 Studio Liability 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 professional liability fitness studio insurance? Contact us at 844.257.4079 or [email protected].

I have my clients sign liability waivers.Why do I need studio or gym liability insurance?

Studio liability 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.

What does professional liability gym insurance cover?

Liability fitness studio 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).

If the facility I train at has insurance that covers me, should I still get gym liability insurance?

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.

Do I have to be a certified fitness professional to get insured?

No. Certification is not required to get a quote or purchase a policy.

Do I need to be a full-time instructor to be covered?

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).

Does studio insurance cover me at multiple facilities/locations?

Yes. Your health club/studio professional liability with general liability insurance policy will follow you regardless of the facility or location you work. However, this policy only covers individuals within the United States.

What is additional insured?

Additional insured status provides fitness club 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]

Does this policy cover me if I get injured?

No. Professional liability fitness studio insurance provides coverage for claims brought against you. It does not provide coverage for you in the event of an injury to yourself.

Do you cover online training?

There is no exclusion for online training with this policy; however, we recommend you review the Physical Presence Exclusion within the policy.

Is my insurance valid outside of the United States?

No. This policy only provides coverage within the United States.

Will I be covered outdoors?

Yes. Your professional liability with general liability policy will follow you regardless of the facility or location you work.

How do I get a certificate of insurance?

You will receive your certificate of insurance by email once you complete the purchase of your policy through the online application.

Can I cancel?

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

LocktonWe’ve partnered with Lockton Affinity to meet the dynamic, specialized insurance needs of health club/studio or gym owners. 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 health club/studio or gym insurance is just one of many things that you need to keep your business 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 grow your business, including:

  • IDEA Fitness Journal
    Get 10 issues of this award-winning, research-based publication delivered to your door
  • Client Success Tools
    IDEAfit TV, Facebook Auto Poster and Professional Forms & templates
  • Member Perks
    Access 100+ exclusive discounts to top industry brands
  • And More!

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

Professional Liability Gym insurance will help protect you.

Application instructions:

  1. Click the “Apply Now” button to download the PDF document
  2. Fill out the application
  3. Scan completed application and email to [email protected]


Contact us at 844.257.4079 or [email protected]