As a personal trainer, your clients trust you to guide their fitness journey safely and effectively. But even with the best intentions and training, accidents, injuries, or misunderstandings can happen. That’s where professional liability insurance comes in.
Also known as malpractice insurance or errors & omissions (E&O) insurance, professional liability insurance covers claims directly related to your professional services as a fitness professional.
This includes claims that caused injury to your client, like a pulled muscle during a workout and claims of negligence or improper instruction. Professional liability insurance also covers claims related to damages caused from products used during your classes, like if the cleaning spray they used was provided by you and caused an allergic reaction.
Client injuries improper form, overexertion, or equipment misuse/failure.
If there was a miscommunication in training that lead to a client hurting themselves.
Allegations of negligence or other malpractice-related complaints.
Client has an allergic reaction to a product used during a session, like the cleaning spray provided.
Stay protected from lawsuits, legal fees, and potential settlements—even if the allegations are false or groundless.
Professional liability insurance and general liability insurance are both important forms of coverage that all professionals who work with clients should have. As mentioned before, professional liability insurance provides protection against claims of negligence, mistakes, or failure to deliver expected results. On the other hand, general liability insurance covers bodily injury or personal injury (like slander or libel) that occur on your business premises or as a result of your day-to-day operations, that don’t directly have to do with your professional services.
If you’re a personal trainer, fitness instructor, or wellness professional, professional liability insurance is a must. Whether you own a gym, operate a home-based business, or provide online coaching, having coverage keeps you protected from unforeseen liabilities. A landlord or client may also request proof of professional liability insurance as a condition to work with your business.
Some of the professionals who benefit from IFG’s coverage include:
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.
While not always legally required, many business contracts, commercial leases, and industry regulations mandate professional liability insurance. Furthermore, it provides peace of mind and credibility to your clients and partners, showing them you’re a responsible and prepared professional. Personal trainers often need to show proof of professional liability insurance when signing contracts and leases to prove financial capability.
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.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.
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