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Why do aerobics instructors need insurance?
If a student gets injured during an aerobics lesson, the result could be a lawsuit. Business insurance can help pay for attorney's fees and other legal costs. It covers accidents, injuries, and data breaches, and helps you comply with state laws and lease requirements.
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Aerobics instructors can save money on insurance by comparing quotes from top-rated providers.
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What kind of insurance do aerobics instructors need?
These insurance policies cover the most common risks for aerobics teachers.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for aerobics instructors to buy general liability coverage and commercial property insurance together.
BEST FOR
- Bodily injuries from accidents
- Customer property damage
- Stolen or damaged business property
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a student slipping and breaking a wrist during a fitness class. Bundle it with property coverage for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Personal injuries, like invasion of privacy
- Libel and other advertising injuries
Professional liability insurance
Professional liability insurance covers financial losses related to the quality of an aerobic instructor's work. It’s sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Professional negligence lawsuits
- Injuries from your instruction
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for employees hired by an aerobics instructor. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving an aerobics instructor's business vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Legal fees from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your aerobics studio recover financially from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does aerobics business insurance cost?
An aerobics instructor who works independently can expect to pay less for insurance than a larger studio.
Factors that affect sports and fitness business insurance costs include:
- Type of fitness professional, such as aerobics instructor, dance instructor, Pilates instructor, or personal trainer
- Whether you teach in-person or online fitness classes
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
- Coverage options
How do I get aerobic instructor insurance?
It's easy to get aerobics or fitness instructor insurance if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policies and download proof of insurance.
Insureon's licensed agents work with top-rated U.S. providers to find the right insurance plans for aerobics instructors, whether you work independently or hire employees.
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FAQs about business insurance for aerobics instructors
Review answers to common questions about aerobics instruction insurance.
How do I insure aerobics equipment that travels with me?
To protect aerobics equipment that travels with you, you'll need to buy inland marine insurance. This policy protects portable items like exercise mats, step platforms, and dumbbells from theft and damage while you're on the road. It also covers items while they're used at event venues or stored off-site.
You may need this policy because commercial property insurance only covers your building and property stored at your business location. Inland marine insurance will reimburse you for damaged, lost, or stolen equipment, regardless of where you take it.
This coverage can typically be added to your commercial property policy or business owner's policy.
What are common exclusions for aerobics instructor insurance?
Aerobics instructor liability insurance sometimes has the following exclusions:
- Athletic participant exclusion: If you hold aerobics competitions or public demonstrations, your general liability policy (sometimes called public liability insurance) likely excludes liability claims related to the event, such as an injury that happens during the competition or a related training session.
- Communicable disease exclusion: Most types of business insurance exclude coverage for communicable diseases. That means you could end up paying out of pocket for a business interruption or a lawsuit if there's an outbreak of an illness during a class.
- Designated premises exclusion: Premises liability insurance that has this exclusion, such as general liability, is only valid on your business premises. If you take your students outside for an aerobics lesson, your insurance company might deny a claim.
- Age restrictions: Your insurance coverage might only be valid for individuals of a certain age. If an accident involves a minor, your claim could be denied.
These are only a few of the exclusions that aerobics teachers might see on their policies. For peace of mind, check with a licensed agent to make sure your policies include the coverage you need.
Can I get aerobics instructor insurance if I teach at multiple studios or fitness centers?
If you have liability coverage at one studio, it probably won't follow you to other locations. Even when coverage is provided, you might want your own policy to make sure you're sufficiently protected.
There are two ways to get insured when you work at multiple locations:
- You can add the other aerobics studios as an additional insured on your own policy.
- You can ask the studios or venues to include your name on their policy.
It's important to make sure you're covered at each location where you teach, as otherwise you could end up responsible for expensive medical bills or legal defense costs.
Do aerobics instructors need insurance for online classes?
Aerobics instructors who post photos or videos of their classes on social media need to protect themselves with social media insurance. Fortunately, this coverage is usually included in general liability insurance.
If you post a photo of a student without their permission, or use music on a video without the performer's permission, you could face a lawsuit. General liability coverage helps pay for advertising injury claims, including libel, invasion of privacy, and copyright infringement.
In the event of a lawsuit, this policy will help pay for attorney's fees, court costs, settlements, and court-ordered judgments.