Insurance for fitness and aerobics instructors
Why do fitness and aerobics instructors need insurance?
As an aerobics or fitness instructor, you are in tune with your clients. You strive to help them stay physically fit and avoid injuries. You also must deal with scrutiny if your clients do not achieve the results they want. It can leave you vulnerable to frivolous lawsuits.
Aside from helping people avoid injuries, there are a host of reasons why you need insurance. A workout might cause an injury even from simple overexertion. If you have your own classes on video, insurance can protect against liabilities. Hiscox offers aerobics instructor insurance that protects against the specific risks you face.
With insurance, you will not have to worry about injuries from improper stretching or incorrect techniques when you are not around. You also have protection from personal and bodily injury and property damage if it is at your gym or one you are renting space from.
Other fitness professions we insure
Insurance policies available for Aerobics Instructors:
There are three standard types of insurance policies to explore. These include unique protections for your business to help you take the right risks.
Professional liability insurance is also known as errors and omissions (E&O) insurance. This protects you from claims against you or your business for things you did or didn’t do. Having professional liability insurance is important especially because you work with the public and you give advice on fitness techniques. Here is an example.
An aerobics instructor is training a new client who reinjures a pinched nerve. The instructor recommended only using small weights, but the client insisted on using the heaviest kettlebell because they wanted faster results. They suffered an injury and sued for emotional distress and damages. E&O insurance can protect you from this type of claim, including covering your costs to defend yourself.
In another example, a client accuses you of improperly training after they fall in a high intensity spinning class. Despite your having a stellar reputation and the best training education, they sue you in court. While the fall was an accident, the customer sues for damages and medical costs. E&O insurance can cover your legal costs and any settlement or judgment.
Commercial General Liability (CGL) is general liability insurance that covers your business from claims by others. These might include medical costs, bodily injuries, and property damage. Because you are working with the public, it is not uncommon for clients to sue for bodily injury or property damage sustained at your location or theirs. Having the right insurance ensures you can confidently take the right opportunities with Hiscox backing you.
Your insurance coverage is helpful in many ways. Here is an example. A client is at your gym taking their first aerobics class. While in the locker room, they slip and fall on a wet floor, breaking their wrist. General liability can cover medical expenses and lost wages associated with bodily injury claims.
In another example, an aerobics instructors visits a client’s home for a private class. During the class, the instructor accidentally knocks over an antique vase and breaks it. General liability insurance could cover the cost to replace the vase.
Learn about how much general liability insurance costs.
A Business Owners Policy (BOP) combines both business property insurance and general liability coverage. With a BOP, you can protect your training equipment and your business assets. If a client falls on your property, you can cover the damages and medical expenses. If your business location is damaged by a storm, you have coverage for repairs to get your location up and running again.
If you are expanding your aerobics business and opening other locations, call and ask about other policies, riders, and add-ons. Hiscox has the right insurance products to help you successfully build your brand.
Why do aerobics instructors choose Hiscox?
At Hiscox, we know your business is demanding. We refine our products to help match your business needs. Even if you are a new instructor, do not wait to get insurance. With a simple and free application process, receive your documents electronically - so you can get back to training.
Reasons to select Hiscox include:
- Claims responsiveness: When you report a covered claim, Hiscox immediately assigns an agent to assist you.
- Commitment to service: Our knowledgeable agents offer the highest standard in customer service. Our customer satisfaction rating is 4.8/5.
- Coverage for contracts: Our coverage satisfies most standard contract insurance requirements.
- Custom insurance: We specialize in businesses like yours. We can customize policies specific to your risk factors.
- Flexible payment options: We offer annual or monthly payment plans with no additional fees.
- Worldwide coverage: We cover work performed anywhere in the world, as long as your claim is filed in the U.S., a U.S. Territory or Canada.