Malpractice Insurance for Fitness and Rehabilitation Professionals

What is the Purpose of Fitness and Rehabilitation Professional Malpractice Insurance?

Fitness and Rehabilitation malpractice insurance supplies professionals with coverage in case of lawsuits or similar claims. As a fitness and rehabilitation professional, you may need coverage that goes beyond your employer’s insurance policy. Unless you are the owner of the policy, your interest could likely be viewed as secondary to your employer, the gym, or facility who owns the policy – should a claim arise. To ensure the safety of your own career and personal assets, individual liability insurance is a necessity. Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered.

What Risks Do I Face That Warrant Malpractice Insurance for Fitness and Rehab Professionals?

Fitness and rehab professionals lead, instruct, educate and motivate clients in exercise activities including cardiovascular exercise, strength training, stretching, etc. Professionals will work with people of all ages, body types, and skill sets. They often lead their own classes and design workouts to improve the health of their clients. Because the occupation is so hands-on and directly involves the well-being of their clients, fitness instructors can find themselves at the center of a malpractice claim. Personal malpractice insurance serves as the best protection against harmful allegations, whether they are true or not.


Why CM&F For Fitness and Rehabilitation Insurance Coverage

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!

For more than 25 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of Fitness & Rehabilitation professionals across the US. Whether you’re an athletic trainer, sports medicine trainer or rehab assistant, the dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. CM&F is a provider of fitness and rehabilitation malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance to physical therapy clinics, as well as other healthcare groups. So we know first hand that should a claim arise, unless the policy is YOUR OWN, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Find Out Why The Best Organizations And Hundreds of Your Peers Recommend CM&F!

Private Practice Section, a component of American Physical Therapy Association Logo

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What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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