As an aerobics instructor, your main focus is often helping your clients benefit from the cardiovascular exercises you lead. Unfortunately, you might get preoccupied with helping your clients achieve their goals and forget that significant risks abound in every aerobics class just like a barre class or spin class. Given just how expensive claims can be, it is best to invest in aerobics instructor insurance.
This is a specialty insurance product offered to aerobics instructors meant to protect their business, reputation, and finances in the event that a claim is filed by a client, landlord, and other entities.
Think of aerobic instructor insurance as a financial cushion that ensures that claims don't affect your business. Other than financial protection, aerobics instructor insurance comes in handy when negotiating contracts. Particularly, most gyms, fitness facilities, and clients mandate that you present proof of this insurance before they can sign a contract with you. Overall, this policy covers your back so that you can focus your energy on running the best aerobics session.
Here's a look at the different aerobics instructor policies you require to run a successful aerobics career.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | K&K | Protectivity | Sadler Sports | |
|---|---|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $5,000,000 | $1,000,000/$12,000,000 | $1,000,000/$5,000,000 |
| Aggregate limit | $2,000,000 | $4,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $5,000,000 | $1,000,00/$12,000,000 | $5,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000/$5,000,000 | Excluded | $1,000,000/$5 ,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000/$5,000,000 | Excluded | Excluded |
| Tenant’s legal liability coverage limit | $300,000 | $100,000 | $100,000 | $300,000 | $1,000,000 | Excluded | $1,000,000 |
| Waiver of subrogation included? | Yes | Included | Included | Can be included | Excluded | Excluded | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Excluded | Excluded | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Excluded | Yes | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
One of your students can slip on spilled water and break their hand while in the premises of the studio. Moreover, a student might damage the floor or any other structure of the studio you’re renting. Also, the advertisement of your aerobic class might use copyrighted elements such as photos of famous celebrities or logos of brands.
In each of these instances, you could get sued and be ultimately found liable. If the student were to sue, you'd be legally required to meet the medical costs. On the other hand, the landlord of the gym or dance studio might demand that you pay for the damaged floor, while the local celebrity might sue you for violation of privacy.
Without the right coverage, you would be required to meet costs out of pocket. This could take a hit at your finances and even threaten business continuity.
You need general liability insurance just like private personal trainers and fitness instructors. Also called aerobics instructor liability insurance, this provides protection in the event that claims of third-party property damage, bodily injury, personal injury, or advertising injury are brought against you. Here’s a quick summary of the specific functions of aerobics instructor liability insurance:
Cover the medical treatment of the person who successfully files a claim for bodily injury against you
Reimburse the losses of the person who filed a property damage claim against you
Cover legal expenses for bodily injury, property damage, slander, copyright infringement, privacy violation, and libel lawsuits
| CoverWallet | NEXT (Best) | Thimble | Hiscox | K&K | Protectivity | Sadler Sports | |
|---|---|---|---|---|---|---|---|
| Per occurrence limit | $300,000/$1,000,000 | $2,000,000 | $2,000,000 | $1,000,000 | $5,000,000 | $1,000,000/$12,000,000 | $1,000,000/$5,000,000 |
| Aggregate limit | $2,000,000 | $4,000,000 | $2,000,000 | $1,000,000 | $5,000,000 | $1,000,00/$12,000,000 | $1,000,000/$5,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes | No | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No | No | Yes |
| Claims for abuse and molestation also covered? | No | No | No | No | Yes | No | Yes |
| Deductible | $500 | $0 | $0 | $500 | $0 | $0 | $0 |
Just like other professionals in the fitness industry such as yoga instructors and pilates instructors, general liability insurance isn’t the only policy you need. Professional liability insurance is also important as an aerobics instructor.
If you suggest a routine that isn't appropriate for your client's abilities or pushes them beyond their limits which results in physical injury or psychological trauma, it is likely that you will end up being held liable for damages.
This is just one of the few scenarios where professional liability insurance is handy. If you were to be sued because of your professional advice or services, this policy covers all legal fees and any settlements or judgments brought against you.
Note that most gym and fitness centers might require that you provide proof of professional liability coverage before working as an independent aerobics instructor. Use the table above to compare the features of professional liability insurance from the recommended companies.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $170,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $18,000 | $25,000/$500,000 | $25,000 |
| Outdoor signs | Excluded | $2,500 | $2,500 | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Excluded | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included |
If you run your own aerobics studio and own aerobics equipment and other valuable assets, it would be best that you invest in a commercial property policy. Use the table above to compare the features of commercial property insurance.
Commercial property insurance for aerobics instructors, online personal trainers, and barre instructors provides funds to replace or repair business property that is stolen, vandalized, or damaged by people.
Further, in the event of fires, winds, vehicles, aircraft, or other covered perils, commercial property insurance would cover the cost of repairing or rebuilding your aerobics studio.
Inland marine insurance for aerobics instructors, spin instructors, and dance instructors is crucial if you constantly bring laptops, portable sound systems, and other devices for teaching an aerobics class.
If your belongings get lost or damaged during travel because of a vehicular accident, theft, vandalism, and other covered perils, inland marine insurance will reimburse your financial losses.
Inland marine insurance can be offered as a floater to the equipment coverage of your general liability insurance.
If you are just starting out and still running a small aerobics business, you must consider getting a business owner's policy (BOP).
This provides you with a wide range of coverage in a cheaper and more convenient package.
A BOP combines general liability, commercial property, business income, and extra expense coverage into one policy. There are providers that will allow you to add professional liability coverage to your BOP as well.
With a BOP for aerobics instructors, crossfit instructors, and zumba instructors, you get to save on costs as it attracts significantly lower premiums than you would have otherwise paid had you bought each of these as a standalone policy.
Suppose you employ additional aerobics instructors to work with you, it’s important to get workers compensation insurance. If these instructors were to get injured while at an aerobics class, your workers' compensation policy would cover:
Medical treatments
Hospitalization
Medication
Rehabilitation and retraining
Lost wages
Death benefits
It would be best if you checked with your local state officials what regulations are in place for workers' compensation insurance. For example, there are states that only require this when you have two or more employees while others demand you get covered as soon as you hire one person.
Get commercial auto insurance if you own a car and constantly drive to different studios or gyms to conduct aerobics classes. Here’s a quick summary of the functions of commercial auto insurance:
Cover the medical treatment of persons who you injured in a vehicular accident
Cover your medical treatment if you get involved in an accident caused by an uninsured/underinsured driver
Cover your car’s repair if it got damaged in a collision, fire, theft, vandalism, and other covered perils
Commercial auto insurance doesn’t cover any damage to valuables while your car is traveling. You must get an inland marine policy to cover this exposure. Also, your existing commercial auto insurance doesn’t grant coverage to any future vehicles you hire or borrow for work.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $24 | $288 | $0-$500 |
| Professional liability insurance | $32 | $384 | $500-$1,000 |
| Workers compensation insurance | $59 | $708 | $2,000-$5,000 |
| Commercial property insurance | $35 | $420 | $1,000-$2,000 |
| Business owner’s policy | $30 | $360 | $500-$1,000 |
| Commercial auto insurance | $50 | $600 | $500-$1,000 |
The average aerobics instructor insurance cost is $24 per month or $288 per year provided that you only get a $1 million general liability policy. This is just an estimate and your premiums will depend on the following:
Annual revenue
Number of employees
Value of business equipment and property
Aerobics exercises offered
Location of the business
Claims history
Certifications
As you shop for coverage, chances are you are on the lookout for cheap aerobics instructor insurance online.
To land at the best carrier, it’s best that you compare insurance quotes. Here's a breakdown of how much you'd pay if you chose one of the following as your carrier of choice for aerobics instructor insurance.
| Cost per Month | Cost per Month | Best for | |
|---|---|---|---|
| Protectivity | $5.17 | $62.04 | Coverage that insures multiple aerobics activities |
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for aerobics instructors |
| CoverWallet | $13 | $156 | Aerobics instructor insurance online quotes comparison |
| Thimble | $14 | $168 | On-demand aerobics instructor insurance |
| Hiscox | $15 | $180 | Aerobics instructor insurance with automatic renewal |
| Sadler Sports | $16.16 | $194 | Flexible coverage |
| K&K | $20.41 | $245 | US-based aerobics instructors |
Get all the best quotes from leading providers in a click of a button!
When investing in aerobics instructor insurance, you can simply not afford gaps in your coverage as these could put you out of business. That is why choosing the right insurance companies is critical. Here's a review of the best aerobics instructor insurance companies in the market today. Read to know their pros, cons, and cost of a $1 million general liability insurance.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for aerobics instructors
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT has established itself as a one-stop shop for all aerobics instructor insurance needs. Launched in 2015, the insurer offers in-person and online aerobics instructor insurance packages meant to protect aerobics instructors in today's overly litigious environment. NEXT’s aerobics instructor insurance starts at $11 per month or $132 per year, which is the basic plan. We suggest you go for the premiere coverage that offers these:
General liability coverage with a per-occurrence limit of $2,000,000
Commercial property insurance with a $170,000 building coverage and $18,000 contents coverage
Professional liability coverage with a per-occurrence limit of $2,000,000
Best for: Best overall; Fastest general liability insurance for aerobics instructors
Average cost: $11 per month
Our rating: 10/10
Call and cancel your coverage anytime
Compare and buy aerobics instructor insurance quotes online for free
Non-owned/hired auto and terrorism coverage can be included to general liability insurance
Name additional insureds quickly
Seamless online policy management
Not an insurance company but an insurance broker
CoverWallet is an insurance broker that helps you find comprehensive aerobics instructor coverage at the most reasonable rates. Use this company’s online quotes comparison platform and it will take you to insurance companies that underwrite general liability insurance, professional liability insurance, and other policies for aerobics instructors.
The general liability policies you get from CoverWallet have a $1 million-$2 million per occurrence limit. Moreover, hired/non-owned auto coverage and terrorism coverage might be included. Professional liability policies, on the other hand, offer $300,000-$1 million coverage.
CoverWallet allows you to manage insurance and pay premiums online. You can also name additional insureds anytime for free. Policies can be canceled anytime with no charges by calling.
Best for: Aerobics instructor insurance online quotes comparison
Average cost: $13 per month
Our rating: 10/10
On-demand coverage
Quick to issue an estimate of your premium
Get general liability insurance as a long-term or short-term coverage
You can’t reach customer service by calling
Thimble’s aerobics instructor insurance program offers general liability insurance, workers' compensation insurance, and a business owner’s policy.
This company’s stand-alone general liability insurance is available as long-term or short-term coverage. Thimble’s short-term general liability policy can grant protection for hours, days, weeks, or months.
Thimble’s coverage comes with a lot of add-ons. For example, the stand-alone long-term general liability insurance has cyber liability, customer property, and equipment insurance as optional policies. The business owner’s policy, on the other hand, can be added with hired/non-owned auto coverage.
Best for: On-demand aerobics instructor insurance
Average cost: $14 per month
Our rating: 9/10
14-day money-back guarantee
Worldwide coverage
Upgradeable policies
Automatic policy renewal
Policy upgrades make premiums more expensive than expected
Poor customer reviews from third-party watchdogs
Hiscox offers professional liability, general liability, cyber liability, and business owner’s policy for aerobics instructors. You can choose between different limits and deductibles. For example, Hiscox’s general liability insurance can offer $300,000-$2 million coverage, depending on your preference. Moreover, upgrades can be included to your policies for better protection.
Best for: Aerobics instructor insurance with automatic renewal
Average cost: $15 per month
Our rating: 9/10
Instant coverage
$600 equipment cover
Fast and straightforward application process
Multiple activities are covered
14-day money-back guarantee
Lengthy claims handling
Doesn’t cover USA
Protectivity's aerobics instructor insurance promises to cover coaches and trainers against all risks of running an aerobics class. The insurer leans into its over 25 years of experience to create bespoke policies that are suitable for any aerobics instructor.
Protectivity's aerobics instructor insurance starts at $5.17 per month or $62.04 annually. This standard offering includes:
General liability and professional liability coverage of up to $12 million
Equipment coverage of $600
Optional personal accident coverage
Best for: Coverage that insures multiple aerobics activities
Average cost: $5.17 per month
Our rating: 7/10
High coverage limits for general and professional liability
Immediate coverage with proof of insurance
Aerobics students can get covered too
Offering includes an identity protection plan
Online purchase without the need for an agent
Instant quotes
Easy-to-navigate, responsive website
K & K doesn't offer product liability coverage
K & K is not rated by AM Best as an individual entity
The website features an overwhelming amount of product information, forms, and service options
Limited number of customer reviews
No information offered on the specific discounts or reward programs available to policyholders
K&K insurance was founded in 1952 and specializes in commercial general liability insurance and professional liability insurance for sports professionals across all of the United States. The insurer is BBB accredited and has received an A+ rating from the body. At present, it stands as one of the largest managing general underwriters in the country. Its extensive network of independent insurance agents makes the insurer accessible to all aerobics instructors throughout the United States.
K&K's aerobics instructor insurance is customized for US-based professionals looking for easy, straightforward policy purchase. If you are keen on getting general and professional liability insurance with significantly higher limits, then this is the insurer for you.
You can also add on additional policies at no extra charge. The optional coverage add-ons include rental damage coverage, stolen equipment coverage, and identity protection coverage.
As a professional aerobics instructor, you pay $20.41 per month or $245 annually for the aerobics instructor program from K&K. This has a $5 million per occurrence and aggregate limit.
Students training to become aerobics instructors pay $59 per month for the same package.
Best for: US-based aerobics instructors
Average cost: $20.41 per month
Our rating: 6/10
Instant quotes
Straightforward application process
Policyholders aren't mandated to join an association to be eligible
Save up to 38%
No coverage is offered for non-owned or hired vehicles
Claims must be filed by email or phone
Customer support is only available online
Sadler Sports and Recreation Insurance offers an online system that allows policyholders to get instant quotes in just a few seconds. You then receive the quote, pay online for your coverage option of choice and print your Certificate of Insurance.
The cheapest aerobics instructor insurance offering from Sadler Sports costs $16.16 monthly or $194 annually. Policies offered by Sadler Sports are:
General liability insurance with $1,000,000-$5,000,000 per occurrence limit
$5,000,000 general aggregate limit
$1,000,000-$5,000,000 products/completed operations aggregate limit
Damage to premises rented to you coverage of up to $1,000,000
Medical expense payments of up to $5,000
Bodily injury to participants coverage of up to $1,000,000
Professional liability coverage with a $1,000,000-$5,000,000 limit
Best for: Flexible coverage
Average cost: $16.16 per month
Our rating: 6/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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