MALPRACTICE INSURANCE FOR INDIVIDUAL PROFESSIONALS
Group Fitness Instructor

What is professional liability insurance for fitness professionals?

Liability insurance isn’t only for medical professionals. In these litigious times, group fitness instructors are encouraged to carry professional liability insurance (or malpractice insurance) to safeguard their careers 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?

Let’s look at a common liability example. During an interval training class one of your clients may slip on a wet spot on the floor and hurt himself. They may potentially sue you and whether they’re claim has merit or not, fitness insurance for group fitness instructors will provide unlimited legal defense and pay for 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 brought up in a lawsuit, the money available on the policy will be spread out amongst everyone named, potentially leaving you without the necessary funds.

Secondly, if you are a 1099 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 nor assume that the facility’s insurance is up-to-date. Getting your own individual fitness insurance is easy.