It doesn’t matter how long you’ve been a fitness professional or how many certifications you have, chances are that one day you may be faced with a lawsuit. Why? Because accidents don’t consider how diligent and professional you are. You’ve worked hard to build your client and participant base — protect yourself with liability insurance, which can defend you from financial losses due to negligence.
Here are some real-world examples of claims that you might encounter. Clients may sue you for negligence due to losses caused by
- an improper warm-up (even if the participant has joined the class late)
- equipment failure or improper equipment maintenance
- slip/fall incidents
- aggravation of existing injuries (known or unknown to you)
- accidents caused by one member bumping into another
- accidents on rock climbing walls
Can you afford to take the risk? There’s no need to risk your livelihood when, as an IDEAfit+ member, you have access to comprehensive liability insurance at affordable prices.
Liability Insurance for various professionals
Insurance for full-time and part-time fitness professionals as low as $91/year
Basic Coverage
as low as
$91/yr
Liability Insurance for Various Professionals
Personal Trainer Insurance
Yoga Teacher Insurance
Gym Insurance
Martial Arts Insurance
Physical Therapy Insurance
Group Fitness Insurance
Wellness Insurance
(Select Pilates on application)
Golf Insurance
Dietitian Liability Insurance
Pilates Instructor Insurance
Endurance Triathlon Insurance
Water Fitness Insurance
Feldenkrais Insurance
(Select Pilates on application)
Senior/Older Adult Insurance
Youth Fitness Instructor Insurance
Mind-Body Instructor 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 (800)-999-IDEA (4332)
- 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
Pricing
Affordable Professional Liability Fitness Insurance for Fitness Pros
Insurance for full-time and part-time fitness professionals 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.
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Testimonials
Liability insurance is extremely important for fitness professionals - whether your run your own business or work in a club or studio as a personal trainer. It protects you from claims made against your programming and allows you to protect yourself in case of a lawsuit. It also protects you when you are exposed to liability you are not even aware of as a fitness professional. You must be as prepared for the unexpected as any professional with human being responsibilities would be.
Irene McCormick
MS, CSCS; CEO OF THE MENOPAUSE MENTOR
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
First-Timers
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.
First-Time Applicant FAQs
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 our Inspired Service Team.
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.
Liability Insurance for various professionals
Insurance for full-time and part-time fitness professionals as low as $91/year
Basic Coverage
as low as
$91/yr
FAQs
I have my clients sign liability waivers. Why do I need liability fitness 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.
What does professional liability fitness insurance cover?
If the facility I train at has insurance that covers me, should I still get individual liability fitness insurance?
Do I have to be a certified fitness professional to get insured?
Do I need to be a full-time instructor to be covered?
Does fitness insurance cover me at multiple facilities/locations?
Is my insurance valid outside of the United States?
What is additional insured?
Does this policy cover me if I get injured?
Am I covered for online training?
Will I be covered outdoors?
How do I get a certificate of insurance?
What other benefits are included with my policy?
Can I cancel?
Questions?
Contact us at (800)-999-IDEA (4332)
Monday- Friday
9:00 AM - 7:00 PM (EST)
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