30 years of experience in the fitness industry. Comprehensive professional liability coverage for personal trainers, yoga instructors, Pilates instructors, group exercise instructors, martial arts instructors and more!

Protect Yourself with Liability Coverage

Any training accident or disgruntled client can turn into a lawsuit when you least expect it. Get the liability coverage you need from a company that’s been protecting professionals like you for the last 30 years.

Confused About Insurance? 

Download our exclusive Guide: Understanding Insurance - What You Need to Know.

Receive the latest information, better understand what coverage is best for you, and learn real-world examples of why it's critical to have the right insurance.

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Go Anywhere, Stay Insured 

The SFIC/AFS insurance coverage protects you wherever you work in the US. Whether you operate out of a single club, multiple clubs or even at a public facility such as a local park or activity center, SFIC has you covered.

More than Insurance, Get the Support of AFS 

The best of two worlds. Get insured through AFS as a member and receive access to a wealth of tools, resources, and benefits to take your career to new heights!

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You can sign up to Fitness Professional Insurance during your AFS registration:

Start Membership
Online application & same day coverage! 


How You're Protected

Professional Liability

  • Protects you against bodily injury to a client resulting from a failure to render "professional services," defined as "the providing of physical training, fitness counseling and nutritional counseling for a fee."
  • $1,000,000 Each Occurrence

General Liability

  • Provides premises protection for any claims arising from the facilities you own, rent or occupy.  You are indemnified for alleged negligence resulting in bodily injury, property damage or personal injury.
  • $2,000,000 General Aggregate

Personal and Advertising

  • Protects against suits involving libel, slander and wrongful invasion of privacy.
  • $1,000,000 Personal and Advertising Injury Limit


Fire Damage

  • $1,000,000 Fire Damage Limit – any one fire

Abuse & Molestation

  • Pays to defend against allegations of sexual misconduct.
  • $100,000 Abuse or Molestation Defense Cost – per occurrence

  • $300,000 Abuse or Molestation Defense Cost – aggregate

Medical Payments

  • Reimburses a third party for medical expenses incurred as a result of bodily injury. Unlike most GL policies, ours includes coverage for Athletic Participants.
  • $10,000 Medical Expense – including participants

Get Insured Now!
Online application & same day coverage! 


Looking for Insurance for your business? Read about our Insurance for Fitness Studios and Gyms.

Frequently Asked Questions

Q: What type of coverage is included with my Professional Liability policy?
A: Your coverage includes: Commercial General Liability, Professional Liability, Personal Injury, Advertising Injury, Abuse or Molestation, and Medical Payments. More specifics on each coverage can be found by downloading the AFS/SFIC Guide: Understanding Insurance - What you Need to Know 
Q: Is my Professional Liability insurance included in the cost of my AFS membership?
A: Yes for the rates shown above! The process takes only a few minutes, includes your online application, and coverage can be provided the same day! 

Q: I have insurance for myself, but I need insurance for my business, how do I get that set up?  
A: Once you become a member of AFS, an SFIC agent will reach out to you to ensure you receive the $50 General Liability discount. They will also work with you to create a custom insurance package to meet your needs within your budget. Learn more.

Q: I need insurance for the trainers/instructors at my studio, do you offer that as well?
A: Yes! If you own the studio, we have plans that cover you (the studio owner), your direct employees, and all of the clients training in your studio - but it does not cover an independent contractor for their own individual professional liability. Keep in mind that you can also save your trainers/instructors lots of money by referring them to AFS to receive their professional liability insurance as well. 
Q: I'm already an AFS member, how do I get insurance? 
A: Great! Email us and we can either send you the direct online application or connect you with an SFIC agent to handle all your insurance needs and apply the AFS member discounts.   

Q: How do I renew my insurance?
A: Your dedicated SFIC agent will reach out to you prior to your renewal date to handle your renewal quickly and professionally.