Professional Liability Insurance for Fitness Groups

Give yourself peace of mind and protect your business with 24/7 portable malpractice coverage for groups of fitness professionals.

  • Fully Digital – No Paperwork!
  • Competitive Rates
  • No Hidden Exclusions
  • Variety Of Policy Options To Suit Your Needs
  • Live, In-House Client Service Representatives
  • Quick Quote & Immediate Coverage

Fitness Group Liability Insurance

Fitness group professional liability insurance, also called malpractice insurance, professional indemnity, or errors and omissions insurance, is vital to your business’s longevity should you, your employee(s), or your full fitness facility be named in a malpractice lawsuit.

Comprehensive, Portable, and Flexible Coverage
Even if the negligence claim is untrue, the out-of-pocket costs for legal defense is expensive. CM&F provides comprehensive fitness group insurance that protects your business’s reputation and financial stability from the damages of lawsuits resulting from negligence, errors, or undelivered services. Additionally, CM&F’s customized group fitness instructor insurance also covers Legal Defense costs as well as the payment of any Court Award or Settlement.

Broad Coverage Reflecting Your State’s Scope of Practice — and Across State Lines Wherever Approved/Licensed
In the interest of providing the most comprehensive coverage possible, CM&F’s malpractice insurance for group fitness instructors fluctuates with the relevant laws that dictate scope of practice. Should the scope of practice for the insured change, your policy automatically includes those changes, so you never have to worry about a gap in fitness training services covered.

All CM&F fitness group instructor insurance policies include workplace liability insurance to provide coverage for claims of bodily injury or property damage brought by patients. Additional general liability coverage is available as an add-on in the application process.

Professional Liability Insurance for Fitness Groups Benefits

  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • Telemedicine/Telehealth Coverage
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go - Even in Volunteer, Telehealth, Per Diem or Moonlighting Assignments

Additional Coverage Available

Fitness Group General Liability Coverage

General liability insurance is critical to protecting all businesses. CM&F’s general liability insurance for fitness groups provides coverage for claims of bodily injury as well as property damage that occurs in the facility where services are provided. Additional claims covered by fitness group instructor general liability insurance include false arrest, malicious prosecution, wrongful eviction, libel, slander, as well as advertising injury.

General liability insurance for fitness facilities & training gyms is available as an add on to your group professional liability insurance policy. Also, landlords & equipment lessors coverage can be added to your general liability insurance policy at no extra cost.

Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!

Not Having Malpractice

There’s No Comparison To CM&F

Get Professional Liability Insurance From A Provider You Can Depend On

CM&F is not your typical insurance provider. We have been in the business of protecting healthcare providers since 1919, and have always been ready to support our clients. As the healthcare industry has had to evolve over the years, the professional liability insurance providers also have had to change. No matter the change or cause, CM&F has continually advocated for full liability protection at an affordable cost by profession by state.

CM&F has successfully lead the way forward in protecting over 200 professional specialties across the healthcare industry, with a singular focus on providing superior service and innovative insurance products.

Whether you need to quickly buy insurance online, access your policy documents in real-time, or discuss a coverage question over the phone, CM&F is there for you.

Protect your business with professional liability insurance from CM&F for 24/7, comprehensive coverage for your fitness group or gym.


Have questions about CM&F professional liability insurance policies?
View our full library of our most frequently asked questions.
What is the difference between "per occurrence" vs. "aggregate" liability limits?

Your “per occurrence,” sometimes written as “per claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

Do I need occurrence or claims made coverage?

“Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. This affects when you are able to report a claim on your policy.

What is a claims made policy?
You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage”).

What is an occurrence policy?
An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.

How quickly can I get liability insurance coverage?

If you apply for coverage online via CM&F’s secure Insured Access Portal, you can pay for and receive proof of coverage in just MINUTES! If you have the ability to pay with a credit card, we recommend applying for coverage online. Once you submit your application, you are emailed your coverage documents in minutes – No Delay, No Headache.

Your documents are also available for access 24/7 in your personal insured access portal account. Within the portal, all clients are able to download, print, or email their documents whenever needed.

If you are unable to purchase coverage online, please contact us for a paper application. We can accept applications through the mail or via fax. Please know, this can delay the receipt of your coverage documents by a few weeks due to processing and shipping time.

*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.

I am self-employed. Can I apply for coverage?

Yes, we cover self-employed healthcare professionals. If you are self-employed and employ more than just yourself, please proceed with the group application on this page. If however you do not have any employees, you may apply for individual fitness instructor liability insurance coverage – be sure to select “Self Employed” when choosing your employment status.

How do I transfer my existing liability policy under another company to CM&F so that there is no gap in time of coverage?

If you have an occurrence policy, you can simply purchase the CM&F professional liability insurance policy when the policy with your current insurance provider expires. When using our online application, you are able to select your coverage date at least 30 days in advance, so you don't have to worry about coming back to apply on the exact day.

If your current policy is a claims-made policy, it is best to discuss the transition options with a CM&F service professional. We will help to ensure there are no gaps in your liability insurance coverage.

Can I add additional insured?

You may add additional insured to your fitness group liability policy at anytime. This can be done during the application process, as well as throughout the lifetime of the policy.

CM&F Means Peace of Mind

CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to healthcare professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional insurance coverage with:

  • A++ Rated Liability Insurance & 4.8/5 Satisfaction Rating
  • Outstanding Customer Service with a Direct Contact Line
  • Superior Claims Management
  • Fast Automated Application Process – No Paperwork!
  • 24/7 Access to Your Personal Online Document Archive