Affinity Group Insurance Trends & Solutions

What’s Covered by Lockton Fitness Professional Liability Insurance

Professional Liability Insurance is specialty insurance designed to cover fitness professionals charging a fee for services such as guidance, training, instruction, counseling, etc. in a professional capacity. Just as Auto, Home or Health Insurance provides the financial means to recover from unexpected circumstances on a personal level, Professional Liability Insurance provides financial security to practicing Fitness Professionals on a professional level. It provides coverage for [...]

What’s Covered by Lockton Fitness Professional Liability InsuranceAffinityAdmin2014-01-16T21:05:35+00:00

What is a Claims Made Policy vs an Occurrence Policy?

When looking to buy insurance, one of the most important things to understand about the policy is how that insurance will respond when a claim is filed. In the case of Professional Liability Insurance, there are two general types of policies offered: Claims Made Policy and Occurrence Policy. One major difference between a claims made policy vs an occurrence policy and how coverage applies lies [...]

What is a Claims Made Policy vs an Occurrence Policy?AffinityAdmin2014-01-03T20:20:00+00:00

How Professional Liability Rates Are Determined

While you’re shopping for a Professional Liability Insurance policy, you’ll find many different coverage options with varying degrees of coverage and rates. You’ll also find it’s fairly easy to compare what’s covered—and what’s not—by reviewing the various policies available on the market. But, what’s not as easy to determine is how professional liability rates are determined by insurance companies. There are a number of factors [...]

How Professional Liability Rates Are DeterminedAffinityAdmin2024-08-08T16:29:50+00:00

The Importance of Promptly Reporting a Claim or Incident

In the daily routine of working as a Fitness Trainer or Instructor, you make every effort to provide careful, accurate instruction. You modify your approach appropriately for each client, and work hard to help them see results. Yet, despite all your best effort and determination to provide excellent service, sometimes unfavorable things happen—a client is injured and claims your training as the cause for injury, [...]

The Importance of Promptly Reporting a Claim or IncidentAffinityAdmin2013-11-18T20:17:49+00:00

What is Fitness Professional Liability Insurance?

Professional Liability Insurance, also known as Errors and Omissions Insurance (sometimes called E&O Insurance), or Malpractice Insurance, insures you against claims (made by clients, customers, etc.) alleging negligence related to the services you provided as a fitness trainer. What is negligence? Negligence essentially refers to the failure to provide the degree of knowledge, care or skill of the average professional peer in good standing, under [...]

What is Fitness Professional Liability Insurance?AffinityAdmin2013-10-29T16:59:06+00:00