Personal trainers, aerobics instructors and other exercise instructors, and club owners have very unique needs when it comes to insurance coverage. Personal training insurance is available through your insurance agent and also can be found offered by many organizations that serve the health and fitness industry such as the AFAA (Aerobics and Fitness Association of America). C.M. Meiers is considered the "official insurance agent" representing AFAA members for insurance needs of aerobics instructors and personal trainers, health clubs, workers compensation, property and professional liability, to name just a few.
Personal trainer insurance might cover some of these basic plans:
- General liability
- Professional liability
- Protection for abuse and molestation claims
- Personal training studio property coverage
The International Fitness Professionals Association (IFPA) offers these insurance providers:
Association Insurance Group (Andrea Pugliese Insurance Services)
Sports & Fitness Insurance Corp.
IDEA Health & Fitness Association has been offering liability insurance for over 20 years. They offer insurance coverage for the following:
- Personal trainers
- Pilates instructors
- Mind-Body professionals
- Group fitness instructors
- Business owners
- Fitness professionals
- Facilities and studios
You must be an IDEA member to take advantage of their competitive rates and excellent insurance coverage. Their insurance coverage protects personal trainers against:
- Claims arising from the facility you own, lease or occupy
- Claims involving libel, slander or wrongful invasion of privacy
- Bodily injury for claims based on professional services you provided or failed to provide
- Trip and fall claims
- Sexual abuse claims
- Protection for you if the facility where you train fails to carry insurance.
Their insurance plans also protect you:
- At fitness facilities, clubs, YMCA's, community centers, etc.
- In your home when you are working with a client
- In a client's home
- At a facility where you are training and teaching, and where the owner does not have insurance
- At off-site locations
- At an outdoor location where you are training or teaching