Nearly 2.5 million Americans suffer gym-related injuries every year, with slip-and-fall accidents representing 12.5 % of fitness-related ER visits General liability insurance shields your career and finances from the costs of unexpected mishaps—whether it’s a studio slip, equipment failure, or third-party property damage.
General liability insurance is a type of business insurance that protects professionals against claims that aren’t directly related to your professional services, but happen during day-to-day operations.
An example of a claim that general liability insurance covers is if a client tripped over something laying on the floor of your gym and sued for bodily injury caused.
Injury claims such as if a client slips and falls on your premise.
If one of your clients were to cause damage to the premise you are renting, general liability would cover this.
This protects you from claims like defamation, copyright disputes, or advertising mistakes.
This insurance includes identity theft protection, covering legal fees and recovery costs if your identity is stolen.
Stay protected from lawsuits, legal fees, and potential settlements—even if the allegations are false or groundless.
While general and professional liability insurance are both parts of business insurance, they cover different kind of claims against professionals.
General liability covers incidents that don’t directly stem from your services, while professional liability insurance covers claims that are direct results of your services.
Personal trainers need general liability insurance because they work directly with clients in physical settings where accidents can happen, even if they’re not at fault. We’ve seen single claims for as high as $1,000,000, without proper protection fitness professionals are responsible for paying these claims directly out of their own pockets.
At Insure Fitness Group, we offer straightforward, transparent pricing at $189 per year—with no hidden fees or additional charges for multiple modalities.
Our comprehensive coverage is designed to meet the needs of fitness professionals without unnecessary complexity.
Additional benefit: Premiums may be tax-deductible for most small business owners.
| Coverage Type | Limit Per Occurrrence | Annual Aggregate |
|---|---|---|
| Professional & General Liability | $1,000,000 | $3,000,000 |
| Personal/Advertising Injury | $1,000,000 | $3,000,000 |
| ID Theft Protection | — | $25,000 |
Dual practitioner support included.
Protects you even after your policy expires.
Coverage follows you across the U.S.
Get your certificate right after purchase.
Boost your skills at a reduced cost.
If a client files a lawsuit claiming your training caused their injury, your liability insurance helps cover legal fees, settlements, and medical expenses. Without coverage, you could be personally responsible for costly claims.
Not always. Many general liability policies focus on in-person training. If you offer virtual coaching, make sure your policy includes coverage for online sessions.
Yes, if you’re sued and don’t have liability insurance, your personal savings, home, or other assets could be at risk to cover legal costs or damages. Insurance protects you from this financial burden.
Some gyms provide coverage for employees, but independent contractors often need their own insurance. Even if covered, the gym’s policy may not fully protect you from client lawsuits.
Most trainers opt for at least $1 million per occurrence and $3 million aggregate coverage. This ensures protection against costly claims, lawsuits, and medical expenses.
A
An insurer rated “A-” or higher by agencies like A.M. Best indicates strong financial stability and reliability.
A person or business added to an insurance policy to extend coverage to them under specific conditions, typically required in contracts or agreements.
The total maximum amount an insurer will pay for all covered claims within a policy period. Insure Fitness Group covers $3MM per year.
Legal expenses are covered under professional liability insurance, making sure policyholders have access to qualified legal representation in disputes.
B
The financial protections offered by a professional liability policy include legal defense, settlements, and claims resolution.
A professional who helps clients find and purchase insurance policies suited to their specific needs.
C
Another term for an insurance company that provides coverage.
The person or entity listed on a Certificate of Insurance (COI) as proof of coverage.
A document verifying that an individual or business has active professional liability coverage, including details on policy limits and duration.
Refers to lawsuits or legal disputes stemming from professional services. Professional liability insurance addresses these risks.
A policy that provides coverage for claims filed only while the policy is active, regardless of when the incident occurred.
Claims made by clients due to injuries, errors, or negligence related to professional services.
A policy that includes both professional and general liability insurance for well-rounded protection.
Coverage for claims arising from services that have already been performed but resulted in financial loss or harm to a client.
Specific terms of an insurance policy, including covered risks, limits, and exclusions.
The highest amount an insurance company will pay for a covered claim. IFG covers $1MM per claim and $3MM per year!
Not covered under professional liability insurance. These policies focus on civil claims related to negligence or errors.
D
A summary of an insurance policy outlining the policyholder’s name, coverage limits, policy period, and premium costs.
Legal expenses are covered by professional liability insurance, ensuring professionals can afford quality legal representation in lawsuits.
E
Not covered under professional liability insurance. Employers may need workers’ compensation for employee-related claims.
A policy amendment that modifies, adds, or restricts coverage.
A type of professional liability insurance that protects service providers from claims of negligence, misrepresentation, or mistakes.
A provision in a policy that specifies what is not covered.
F
The primary benefit of professional liability insurance is that it covers legal defense, settlements, and claim-related expenses.
G
Covers bodily injury related to business operations. This complements professional liability insurance, which covers service-related claims.
H
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
I
The highest amount an insurer will pay for all claims during a policy period for a single insured.
A financial safety net that protects professionals from claims of negligence or mistakes.
A professional who helps clients understand and purchase insurance policies.
A formal request made by a policyholder to receive compensation for a covered incident.
A protective financial policy that shields professionals from specific risks, such as client lawsuits.
The legal contract outlines the terms, coverage, and obligations of an insurance agreement.
The person or business is covered under a professional liability insurance policy.
J
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
K
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
L
Expenses related to attorney fees, court costs, and settlements are typically covered by professional liability insurance.
The responsibility for damages resulting from professional errors, negligence, or omissions.
The maximum amount an insurer will pay for a covered loss.
M
The highest amount a policy will cover for medical costs resulting from injuries caused by professional services.
N
Unintentional mistakes or oversights that cause client harm or financial loss. Professional liability insurance protects against these claims.
All professionals who provide services—whether working independently or in a business—should have professional liability coverage.
O
A policy that covers claims from incidents that happened while the policy was active, even if the claim is filed after the policy expires. Insure Fitness Group operates with occurrence form policy.
The maximum amount an insurer will pay for all claims resulting from a single covered incident.
P
The highest amount an insurer will pay for a single claim.
Coverage for claims involving defamation, copyright infringement, or misleading advertising.
A type of coverage typically for personal, non-business risks. Professional liability insurance focuses on business-related claims.
The maximum payout for claims under an insurance policy.
The duration during which an insurance policy provides active coverage.
The cost of an insurance policy is typically paid monthly or annually.
Financial protection against lawsuits related to professional errors, negligence, and client disputes.
Also known as Errors & Omissions (E&O) Insurance, this policy protects professionals against claims related to mistakes, omissions, or inadequate service.
The price of coverage varies by provider and risk factors.
Q
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
R
Hazards associated with providing professional services that could result in lawsuits.
S
A total coverage limit that applies to multiple insured individuals under the same policy.
A professional liability insurance policy with predefined coverage terms and options.
T
The process of shifting liability from a professional to an insurer by purchasing coverage.
U
A professional who assesses risks and determines the terms and pricing of an insurance policy.
V
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
W
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
X
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
Y
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
Z
At present, there are no glossary terms associated with this letter. Entries are continually updated to expand our glossary in an effort to provide the most relevant and up-to-date information. Please check back soon for new entries.
While general liability covers incidents like accidents on your premises, professional liability insurance addresses claims related to the services you provide. For example, if a client alleges that your training advice led to an injury, professional liability insurance would respond to such claims.
Insure Fitness Group offers coverage limits of $1 million per occurrence and $3 million in aggregate annually. This means each individual claim can be covered up to $1 million, with a total annual cap of $3 million for all claims combined.
Absolutely. Insure Fitness Group’s general liability insurance provides nationwide coverage, ensuring you’re protected whether you train clients in Colorado or any other state.
While the policy covers a broad range of incidents, certain activities are excluded. These include procedures like acupuncture, chiropractic adjustments, and nutritional counseling. For a comprehensive list of exclusions, please refer to the Policy Exclusions page.