Occurrence form liability insurance is the industry preferred coverage type (over ‘claims made’) because it protects you if an incident happens while your policy is active, even if the claim comes later. Insure Fitness Group’s policies are all occurrence form, because your peace of mind is our priority.
An occurrence form insurance policy provides lasting coverage for trainers by protecting you against claims for incidents that happened while your policy was active—even if the claim is filed after your policy ends.
With Insure Fitness Group, your coverage stays with you, ensuring financial protection even if you switch jobs, take a break from training, or let your policy lapse.
Provides protection if a client is injured during training, whether it’s tripping over a dumbbell or slipping on a wet floor after the session.
Covers claims from coaching advice or training methods—like injuries from deadlift instructions or overexertion due to alleged negligence.
Protects against defamation, copyright claims, or advertising-related disputes.
Covers up to $25,000 in legal fees and recovery costs if your identity is stolen while running your business.
Stay protected from lawsuits, legal fees, and potential settlements—even if the allegations are false or groundless.
Not all policies provide the same level of coverage. Here’s how occurrence form insurance compares to claims-made insurance:
An occurrence form policy provides coverage for incidents that happened during the policy period, even if a claim is filed after the policy has expired. This type of insurance offers long-term protection for past training sessions, ensuring you remain covered without the need for additional tail coverage.
A claims-made policy only covers claims that are filed while the policy is active. If a claim is made after the policy expires, coverage is not provided unless tail coverage has been purchased. This can create gaps in protection if the policy is not continuously renewed.
With an occurrence form policy, you’re protected from unexpected claims—giving you peace of mind beyond your policy period.
At Insure Fitness Group, we keep it simple with transparent pricing—just $189 per year. Unlike other providers, our comprehensive coverage comes with no extra costs for additional modalities. Bonus: small business owners can typically deduct their professional liability insurance premiums from their taxes.
| 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.
An occurrence form policy covers any incident that happens while the policy is active—no matter when the claim is filed—even years later
Occurrence form: Covers claims for incidents during the policy period, even if reported after expiration. Limits reset each policy year.
Claims-made: Covers only claims reported while the policy (and any extended tail) is active.
Offers lifetime protection for incidents that occur while insured—even after cancellation.
Simplifies management—no need for tail coverage or worry about retroactive dates.
Typically $1 million per occurrence and $3 million aggregate per year—meaning each incident and yearly policy renewal gets fresh limits
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.
