One claim can cost more than a year’s income. That’s why our protection activates the moment you need it.
A lawsuit interrupts momentum instantly. You’re focused on growing your client base, improving your programs, maybe even planning your own studio. Then suddenly there are attorney fees, medical costs, and legal documents written in language that feels deliberately confusing. Most fitness professionals never expect to face these numbers, yet claims potentially reach hundreds of thousands of dollars. Some pass the million mark.
That reality is why fitness liability insurance exists. At Insure Fitness Group, we provide professional liability insurance and general liability insurance designed for the pace and pressure of the fitness world. When a client files a claim, our claims process begins immediately. An attorney experienced in fitness-related liability cases manages the details, and all legal defense costs and settlements are handled up to $1 million per occurrence.
The steps are direct, the response is fast, and the policy limits are built for working professionals like you who depend on stability and clear direction when it matters most.
Step 1: Contact Insure Fitness Group Immediately
As soon as you’re aware of a potential claim or lawsuit, call us at 800-379-7799 or email sarasota.bsd.operations@ajg.com.
While you’re waiting to hear back, do not speak with the client, their attorney, or anyone else about the situation. A single casual comment meant to clear the air can be used as an admission of fault.
All communication must go through your appointed attorney or our team. This protects your legal standing and prevents anything from being taken out of context.
Quick contact allows us to get ahead of the problem. Even if no claim has been filed yet, early reporting gives us time to prepare in case it escalates.
If the incident is clear, such as a client reporting pain following an exercise, a miscommunication during instruction, or a movement that didn’t go as planned, document what happened and reach out immediately.
If the concern surfaces later, perhaps after a client messages you about an unexpected injury or discomfort, use the same contact details and notify us as soon as possible. Provide the training date, the client’s name, your notes, and any written correspondence. Once you’ve reported it, we coordinate the next steps so everything is handled correctly from the start.
Step 2: Report the Claim and Share the Details
After you’ve contacted us, we’ll guide you through reporting the claim. It’s simple, and it ensures everything moves quickly in your favor.
We’ll ask for the essentials: the date of the session, the client’s name, what occurred, and any messages or letters you’ve received. If anyone witnessed the event, include their contact information. These details allow us to represent you accurately and begin the formal process.
Accurate documentation helps. Liability waivers, PAR-Q forms, health history forms, and training notes act as written proof of what was communicated, agreed on, and delivered. This documentation strengthens your position if questions arise later.
Once we receive your information, we submit it to the insurance carrier within 24 hours. The carrier typically acknowledges the claim and begins their review within 24-48 hours, then issues a letter explaining how the claim will proceed. If a defense is required, an attorney experienced in fitness liability cases is appointed for you at this stage.
If you don’t receive an update within two business days after we’ve sent your report to the carrier, feel confident reaching out. We understand how stressful waiting can be, and we’ll reassure you exactly where things stand.
Step 3: We Take It From There
If your situation requires a legal defense, we arrange everything. After your claim is reviewed and accepted, the carrier appoints an attorney from our network of licensed professionals.
Your attorney manages all communication, filings, and negotiations so you don’t need to step away from your clients or spend time navigating an unfamiliar legal process.
We stay in contact with you throughout, sharing key updates and timelines as they come. Our job is to simplify the complicated, reduce the stress, and ensure you’re represented by people who understand the fitness industry and know how to protect your professional reputation.
Step 4: We Handle the Costs of Your Defense and Any Settlement
If a claim moves forward and financial action is required, everything is handled through your Insure Fitness Group policy. Your legal defense costs, as well as any settlements or judgments, are paid by the insurance carrier up to your $1 million per occurrence limit.
Your appointed attorney submits all invoices and expenses directly to the carrier for payment. You won’t need to manage billing, negotiate fees, or track paperwork. The process is streamlined and designed to remove unnecessary stress so you can stay focused on your work.
Once this stage begins, your only responsibility is staying in contact with us and your attorney as needed. We handle the rest.
In Short, What You Need to Do
Your role is straightforward. As soon as you’re aware of a claim, keep these steps in mind:
- Report the claim immediately. Quick action keeps everything on track.
- Provide the documentation we request. We’ll tell you exactly what’s needed.
- Stay involved and responsive. We manage the heavy lifting; you follow the steps.
- Keep conversations private. Speak only with your attorney or our team about the case.
That’s it. You keep training your clients, and we handle the paperwork, communication, and legal process.
What Insure Fitness Group Does for You
Once you’ve reported the issue, we take over.
- We send your claim to the insurance carrier right away.
- We answer every question you have about your policy and guide you through each stage.
- We appoint an experienced attorney to manage your defense.
- We keep the process clear, structured, and supported so you can stay focused on your clients.
If You’re Still Deciding on Liability Insurance
If you found this page while researching your options, now is the time to reach out. Our team will explain professional and general liability insurance in simple terms and help you understand what it means for your training career. You can contact us directly here.
If you’d prefer to explore on your own first, our detailed Professional Liability Guide breaks down everything you need to know, including what fitness claims look like and how liability insurance protects your career.
Every fitness professional deserves to feel protected and prepared. We’re here to make sure that protection is in place long before you ever need it.
Legal and Process Questions
How long does a client have to file a lawsuit against a personal trainer?
The time frame depends on your state’s statute of limitations. Many states allow clients 1-3 years from the date of the incident to file a lawsuit. Some states extend this window if the injury wasn’t immediately apparent, such as pain or strain that surfaces days after a session. An attorney familiar with your state’s laws can provide exact guidance.
What happens after I report a claim to Insure Fitness Group?
Once you report a claim to Insure Fitness Group, the process begins right away. Your report is submitted to the insurance carrier within 24 hours. The carrier typically reviews it within 24-48 hours, then sends written information about how the claim will be handled.
If a legal defense is required, an attorney with experience in fitness-related liability cases is appointed to represent you. From that point forward, all communication, legal filings, and negotiations are managed through your attorney so you can continue focusing on clients.
Will I have to go to court if a client sues me?
Most fitness-related claims never reach trial. Many are resolved through negotiation or settlement long before courtroom involvement is necessary.
If the case does move toward court, your appointed attorney manages all preparation and guides you through exactly what is expected. You will not navigate the process on your own.
Who handles communication with the client’s attorney during a lawsuit?
Your appointed attorney handles all communication with the client’s attorney.
You should never respond to the client’s attorney yourself. This prevents misunderstandings and protects your legal position.
How much protection does Insure Fitness Group provide per claim?
Your policy includes coverage up to $1 million per occurrence/$3 million per year, which can include legal defense costs, settlements, and judgments for each individual claim.
These limits are designed for working fitness professionals who need strong, reliable protection for unexpected situations.
What kind of documentation helps defend a personal trainer in a claim?
Detailed records are extremely helpful in defending claims. Examples include:
- Session notes
- Training logs or progress tracking
- Waivers or informed-consent forms
- Any communication exchanged with the client
- Relevant medical or health information the client provided
- Witness statements, if applicable
These documents show exactly what took place during a session and strengthen your attorney’s ability to defend you.
If you’re unsure whether something may become a claim, contact us for clarity before taking further action.
