Malpractice Insurance for Fitness Professionals

American Sports & Fitness Association

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CPH & Associates is proud to serve American Sports & Fitness Association members in support of fitness professional certification and continuing education. CPH & Associates insures a wide range of fitness professionals including:

  • Aqua Instructors
  • Certified Personal Trainers
  • Group Fitness Instructors
  • Health Coaches
  • Martial Arts Instructors
  • Yoga Instructors

…and many more! Click here to view the full list of professions we can cover.

What is professional liability insurance for fitness professionals?

Liability insurance isn’t only for medical professionals. In these litigious times, fitness professionals are encouraged to carry professional liability insurance (or malpractice insurance) to safeguard their fitness businesses, as well. If a client files a complaint or lawsuit, fitness professional insurance provides unlimited defense coverage to protect your career and assets.

Why take out your own fitness insurance policy (even if you’re a W-2)?

As a fitness professional, you know your job is unique. You’ve worked hard to turn your lifestyle into a career, and unlike a desk job, this line of work comes with a particular set of potential liability exposures.

Let’s look at a common example. A client of yours may be learning how to properly use a new piece of equipment under your supervision but fails to follow your direction and hurts himself. They may potentially sue you, and whether their claim has merit or not, liability insurance for fitness professionals will provide unlimited legal defense and pay and any amount the court awards to your client up to the limits of your policy.

Here’s why having your own coverage is important. Your facility’s insurance policy may provide coverage, but if multiple employees are named in a lawsuit, the policy defense costs will be shared among everyone named, potentially leaving you without the necessary coverage to pay your attorney fees.

Secondly, if you are an independent contractor at a facility, you may not even be included on their policy. While it’s common for W-2 employees to be covered under the group policy, contractors should not assume coverage. Getting your own individual fitness insurance is easy.

Our coverage is catered to fitness professionals:

  • Occurrence form coverage (lifetime coverage)
  • A++ rated carrier for Financial Stability by A.M. Best Co.
  • Portable coverage – follows your certification
  • Optional General Liability Coverage
  • Premises Liability Coverage
  • Personal Injury Liability Coverage
  • Sexual Misconduct Expense Coverage
  • Loss of Earnings Coverage
  • HIPAA Proceedings Coverage

(Click here for full policy details)

Malpractice insurance for fitness professionals is a must, and with the uncertainty of coverage under your facility’s insurance, it’s even more important to have your own individual policy. It’s peace of mind, it’s confidence, and a quote is just a few clicks away




The CPH Way: What Makes Us Different

Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.


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