What is Fitness Professional Liability Insurance?

Professional Liability insurance, also known as Errors and Omissions insurance or Malpractice insurance, insures you against claims made by clients alleging negligence related to the services you provided as a fitness trainer.

What is negligence?

Negligence essentially refers to the failure to provide the degree of knowledge, care or skill of the average professional peer in good standing, under similar circumstances. Just about anyone who claims to be an expert in a field and is compensated for their expertise can be held responsible for work, advice or counsel, and can be liable if an accident occurs.

Allegations of negligence for IDEA members could include:

• Your client’s injury from accidental slips and falls
• Your client’s injury from improper technique instruction
• Your client’s injury from a fitness program you recommended for them
• Your client’s allegations of sexual harassment, abuse or molestation

Protecting your career against allegations of negligence

There are a host of protective measures that can provide a safety net to help minimize your risk of negligence:

• Maintaining a professional and safe atmosphere conducive to successful training.
• Making timely and accurate documentation of your interactions and training strategies for each client.
• Keeping current with national training standards can all help you provide a great standard of care.
• Obtaining Professional Liability insurance.

With Professional Liability insurance, you’ll get the financial protection you need if a claim of negligence is ever made against you. The insurance company helps to defray the costs associated with legal action and will represent your best interests if a lawsuit goes to trial.

It’s important to explore your options when considering your insurance coverage. Coverage and premium can vary from one insurance provider to the next. By doing your due diligence researching insurance plans available, you will ensure the best insurance coverage for the work that you do as a fitness professional.

IDEA has partnered with Lockton Affinity to provide access to comprehensive liability insurance coverage for small business owners and fitness professionals at an affordable price.

Explore additional coverage details and get started today!

The IDEA Health & Fitness Association Insurance program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. IDEA Health & Fitness Association will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.