Aerobics Instructor Liability Insurance

	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

Professional Liability Insurance For Aerobics Instructors

	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.

Commercial Property Insurance For Aerobics Instructors

	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

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.

Business Owner's Policy For Aerobics Instructors

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.

Workers' Compensation Insurance For Aerobics Instructors

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.

Commercial Auto Insurance For Aerobics Instructors

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.

Aerobics Instructor Insurance Cost

	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

Best Aerobics Instructor Insurance Companies

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.

NEXT Aerobics Instructor Insurance

Pros

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

Cons

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

CoverWallet Aerobics Instructor Insurance

Pros

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

Cons

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

Thimble Aerobics Instructor Insurance

Pros

On-demand coverage
Quick to issue an estimate of your premium
Get general liability insurance as a long-term or short-term coverage

Cons

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

Hiscox Aerobics Instructor Insurance

Pros

14-day money-back guarantee
Worldwide coverage
Upgradeable policies
Automatic policy renewal

Cons

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

Protectivity Aerobics Instructor Insurance

Pros

Instant coverage
$600 equipment cover
Fast and straightforward application process
Multiple activities are covered
14-day money-back guarantee

Cons

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

K&K Aerobics Instructor Insurance

Pros

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

Cons

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

Sadler Sports Aerobics Instructor Insurance

Pros

Instant quotes

Straightforward application process

Policyholders aren't mandated to join an association to be eligible
Save up to 38%

Cons

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