Liability insurance for Fitness & Wellness

• Do personal trainers need insurance?

  Yes, in practice. The mandate rarely comes from a statute — it comes from the gym that won't let you on the floor without a certificate of insurance, and from the fact that an injured client can sue you personally. An accident and bad programming are two different suits, answered by two different liability lines.

• What insurance does a massage therapist need?

  Professional liability (what therapists call malpractice) plus general liability — and in this field both usually arrive as one association membership, not a standalone policy. AMTA and ABMP memberships include the coverage, which is how most working therapists buy. The real decisions are individual versus shared limits, employer-coverage gaps, and additional-insured demands from landlords.

Coverage mechanics for Fitness & Wellness

Policy mechanics, exclusions, certificates, and claims questions live on our sister publication: Fitness & Wellness on isthiscovered.org.