Tailored Professional Liability insurance for fitness professionals

Receive coverage tailored to your exact profession to protect against the specific risks you face.

Lockton Affinity Fitness —
the Professional Liability
insurance experts

At Lockton Affinity Fitness, we’ve created a specialized Professional Liability insurance program, designed to meet the needs of fitness professionals across a myriad of fitness disciplines. Our Professional Liability insurance coverage is underwritten by top-rated national insurance carriers at competitive premiums.

Get your profession-specific coverage

Through our fully integrated system, you can get a quote, apply and buy a Professional Liability insurance policy online in a just few minutes. Your coverage begins the day after you apply, or you can choose an effective date in the future to fit your exact needs.

Affordable rates

Professional Liability insurance annual rates for fitness and athletic professionals start as low as:

$18

FOR STUDENTS

$121

FOR EMPLOYED
PROFESSIONALS

$241

FOR SELF-EMPLOYED
PROFESSIONALS

Policy coverage details

Our Professional Liability insurance provides coverage for the services you provide as a fitness professional, plus Limited Premises General Liability coverage for incidents arising at your business.

  • Damages and claim expenses
  • Attorney fees and court costs if you are named in a claim, including as a defendant in a civil suit stemming from covered professional services
  • Loss of earnings up to $500 per day due to your attendance at trial, hearings, mediation meetings or arbitration proceedings
  • Professional license complaint investigation fees, costs and expenses associated with investigations or proceedings brought by a state licensing board, or other regulatory body, in relation to your professional services license

Protecting fitness professionals

As a fitness professional, it is your job to help your clients meet their physical fitness and wellness goals. You keep them safe and help them achieve their maximum fitness potential. It’s a rewarding profession, but one that doesn’t come without risks.

In our highly litigious society, a client accident or injury can quickly escalate into a liability claim against you and thousands of dollars in legal fees, even if you aren’t at fault. Professional Liability insurance protects you if the unthinkable should happen.

This coverage helps cover the cost of legal fees to defend you, and judgments or settlements, including lawsuits against you.

Professional Liability insurance for groups

Own your fitness or training business? Lockton Affinity Fitness offers Group Professional Liability insurance to help you ensure your employees and business are properly covered.

About Lockton Affinity Fitness

Lockton Affinity Fitness is administered by Lockton Affinity, one of the leading program administrators in the nation. Founded in 1987, Lockton Affinity has been providing best-in-class insurance solutions for fitness professionals for more than 30 years.

Over the years, we’ve partnered with an outstanding group of wellness and fitness organizations to create tailored Professional Liability insurance for their members and other fitness professionals.

Whether you’re employed, self-employed or a student, we offer coverage for dozens of fitness occupations—providing assurance that your work-related risks are covered.

Lockton Affinity Fitness recent blogs

Does Liability Insurance My Employer Carries Cover Me Too?

When something unexpectedly goes wrong and a client decides to sue …

Continue reading >

What Limit of Liability Should You Choose?

As you begin shopping for Professional Liability insurance, choosing an appropriate limit of liability is a major consideration …

Continue reading >

5 Ways To Encourage Clients To Keep Exercising

The fact that someone has come to you for fitness coaching, consultation or classes is an excellent sign …

Continue reading >

Contact us

If you have any questions about obtaining or servicing your insurance, please call us at (800) 253-5486 or complete this form.

Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).