Barre Instructor Liability Insurance

	CoverWallet	NEXT (Best)	Thimble	Insure Fitness Group	NACAMS
Per occurrence limit	$1,000,000/$2,000,000	$1,000,000/$2,000,000	$1,000,000/$2,000,000	$1,000,000	$1,000,000
Aggregate limit	$2,000,000	$3,000,000/$4,000,000	$1,000,000/$2,000,000	$3,000,000	$3,000,000
Products and completed operations aggregate limit	$2,000,000	$1,000,000	$2,000,000	$1,000,000	$1,000,000
Advertising injury coverage aggregate limit	$1,000,000	$1,000,000	$2,000,000	$1,000,000	$1,000,000
Tenant’s legal liability coverage limit	$300,000	$100,000	$100,000	$100,000	$100,000
Waiver of subrogation included?	Yes	Included	Included	Excluded	Excluded
Hired/non-owned auto liability coverage included?	Yes	No	Excluded	Excluded	Excluded
Equipment breakdown floater included?	No	Yes	Yes	Excluded	Yes
Can you get a certificate of insurance online?	Yes	Yes	Yes	Yes	Yes
Name additional insureds?	Yes	Yes	Yes	Yes	Yes
Deductible	$0	$0	$0	$0	$0

If you are anything like other barre instructors, your greatest nightmare is an injury or accident occurring on your watch. It is given this concern that you must implement the most stringent safety protocols for each barre class.

Protect yourself and your business with barre instructor liability insurance. Also called general liability insurance, this policy cushions you from all events and accidents that you might be found legally liable for.

General liability insurance for barre instructors, aerobics instructors, and crossfit instructors takes effect when there are claims of physical injury or property damage levied against you. This insurance policy for barre instructors usually covers:

Medical treatments
Compensation for property damage
Attorney fees, court filing fees, and other legal expenses
Court judgments

Professional Indemnity Insurance for Barre Instructors

	CoverWallet	NEXT (Best)	Thimble	Insure Fitness Group	NACAMS
Per occurrence limit	$300,000/$1,000,000	$1,000,0000/$2,000,000	$2,000,000	$1,000,000	$1,000,000
Aggregate limit	$2,000,000	$3,000,000/$4,000,000	$2,000,000	$3,000,000	$3,000,000
Name additional insureds?	Yes	Yes	Yes	Yes	No
Waiver of subrogation included?	Yes	No	Yes	No	No
Claims for abuse and molestation also covered?	No	No	No	Yes	Yes
Deductible	$500	$0	$0	$0	$0

An additional liability policy you should get is professional indemnity insurance for barre instructors. Use the table above to compare the features of professional indemnity insurance from the best companies.

Also known as errors and omissions insurance, this policy covers you in the event that a lawsuit is brought against the services you provide. This will cover legal fees and settlements if a student sues you for:

Negligence
Violation of fair dealing
Inaccurate advice
Breach of contract
Breach of confidentiality

You get professional indemnity insurance as a stand-alone policy. Nonetheless, some insurance companies offer this as an add-on to general liability insurance for a customer’s convenience. Many related professionals such as dance instructors and private personal trainers get this coverage.

Commercial Property Insurance for Barre Studios

	CoverWallet	NEXT (Best)	Thimble
Building coverage limit (minimum)	$50,000	$80,000	$25,000/$500,000
Contents coverage limit (minimum)	$50,000	$15,000	$25,000/$500,000
Outdoor signs	Excluded	$2,500	$2,500
Accounts receivable	Excluded	Excluded	$5,000/$10,000
Money and securities	Excluded	$2,500	$1,000
Lock and keys	Excluded	Excluded	Excluded
Business interruption floater	Excluded	Excluded	Included
Equipment breakdown floater	Excluded	Included	Excluded
Inland marine insurance floater	Excluded	Excluded	$10,000
Employee dishonesty floater	Excluded	$5,000	$2,500

Other than barre instructor liability insurance, consider getting commercial property insurance if you operate a barre studio in an owned or rented gym or dance studio.

Commercial property insurance protects your barre studio from fire, floods, vandalism, theft, extreme weather, and other covered perils.

If your barre studio gets damaged or destroyed because of the above-mentioned perils, commercial property insurance will cover repair or reconstruction expenses by giving money equal to the replacement cost of the studio.

It's crucial to mention that there are carriers that will cater to the cost of renting a studio while your primary property is being repaired. Overall, commercial property insurance is meant to help you get back up and running as soon as possible after an unexpected event occurs.

Business Owner’s Policy for Barre Instructors

	CoverWallet	Thimble (Best)	NEXT
General liability aggregate limit	$2,000,000	$2,000,000	$2,000,000
Commercial property insurance aggregate limit	$50,000	$500,000	$80,000
Optional policies can be added?	Yes	Yes	Yes
Name additional insureds for free?	Yes	Yes	Yes
BOP discount?	Yes	Yes	Yes

A business owner’s policy is the best option if you need general liability and commercial property insurance. It combines the two policies into one insurance package that’s easy to manage. Moreover, it might offer additional policies such as professional liability insurance, workers' compensation insurance, business interruption insurance, and others.

Barre Equipment Insurance

Having insured your barre studio, you also ought to consider protecting your barre equipment. This is possible through a barre equipment insurance policy for barre instructors, online personal trainers, and fitness instructors. The latter covers the grippy barre socks, exercise mats, sliders, resistant loops, and other barre workout gear from damage, vandalism, or theft. When any of the covered perils occurs, the policy steps in to pay for the cost of repair or replacement, thus ensuring that you are up and running as soon as possible.

Workers Compensation Insurance for Barre Instructors

Workers' compensation insurance for barre instructors and spin instructors is crucial if you operate a bar studio with full-time and part-time employees.

You need to provide adequate compensation if ever an employee gets injured during a bar class or develops an illness because of work.

Workers' compensation insurance sees to it that you spend nothing. It covers the cost of employee compensation on your behalf. The policy usually covers:

Medical treatment
Hospitalization
Medication
Rehabilitation and retraining
Lost wages
Death benefits in case of death

There’s no need to get workers' compensation insurance if all of your employees are independent barre teachers.

Barre Instructor Insurance Cost

	Cost per Month	Cost per Year	Deductible
General liability insurance	$23	$276	$0-$500
Professional liability insurance	$35	$420	$500-$1,000
Commercial property insurance	$40	$480	$1,000-$2,000
Business owner's policy	$70	$840	$500-$1,000
Workers compensation insurance	$75	$900	$2,000-$5,000

The average barre instructor insurance cost is $23 per month or $276 per year for a $1 million general liability insurance. To arrive at an estimated premium for your barre instructor insurance, most carriers will require that you provide information on your:

Training and experience
Annual and projected revenue
Number of employees
Claims history
Operation size, including the number of employees
Value of barre equipment and studio

It is advised that you search for cheap barre instructor insurance and compare quotes online to land on the carrier and insurance package that best fit your business. By the way, here’s another table showing how much the best companies charge for a $1 million general liability insurance for barre instructors:

	Cost per Month	Cost per Year	Best for
NEXT	$11	$132	Easy online application process
CoverWallet	$12	$144	Barre instructor insurance quotes comparison online
Thimble	$13	$156	On-demand coverage for barre instructors
NACAMS	$13.25	$159.00	Comprehensive coverage
Insure Fitness Group	$17	$204	Insurance coverage with free professional website

Best Barre Instructor Insurance Companies

Barre might be relatively low risk, but you cannot afford any gaps within your barre instructor insurance policy. Choosing the right barre instructor insurance could mean all the difference between paying out of pocket for claims and being comprehensively covered.

Here's a list of the best barre instructor insurance companies you must consider working with. Read some of the reviews below to know their pros, cons, and cost of a $1 million general liability insurance:

NEXT Barre 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 barre 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

If you are in the market for insurance that you can easily purchase online, then you should consider working with NEXT. Launched in 2015, this insurer is committed to providing both straightforward in-person and online applications to ensure your business gets coverage as fast as needed. This hassle-free process includes instant quoting and purchase at any time.

Remember though that NEXT doesn’t have a specialized barre instructor insurance program but covers you through its fitness instructor insurance program instead.

NEXT offers three insurance packages designed to protect your business from a variety of risks, such as:

Damage to someone's property
Third-party accidents
Professional mistakes
Workplace injuries
Damage to your own property

For $11 per month or $132 annually, you get NEXT's basic package which includes the following:

General liability coverage with a per-occurrence limit of $1 million and an aggregate limit of $3 million
Professional indemnity insurance with a per occurrence limit of $1 million and an aggregate limit of $3 million

If you’re a growing barre instructor, then it’s best to go for the premiere coverage that offers:

General liability coverage with a per occurrence limit of $2 million and an aggregate limit of $4 million
Professional liability insurance with a per occurrence limit of $2 million and an aggregate limit of $4 million
Commercial property insurance with an $80,000 building coverage and $15,000 contents coverage

The most expensive plan is deluxe which offers the following:

General liability coverage with a per occurrence limit of $2 million and an aggregate limit of $4 million
Professional liability insurance with a per occurrence limit of $2 million and an aggregate limit of $4 million
Commercial property insurance with an $80,000 building coverage and $15,000 contents coverage
Equipment breakdown insurance
Utility services interruption coverage

Best for: Easy online application process

Average cost: $11 per month

Our rating: 10/10

CoverWallet Barre Instructor Insurance

Pros

Compare barre instructor insurance quotes online
Call and cancel a policy anytime
Easy online policy management
General liability insurance comes with hired/non-owned auto liability coverage

Cons

Not an insurance company but an insurance broker

CoverWallet is an insurance broker that’s a partner of many reputable insurance companies. It helps you find and compare the insurance quotes of companies that provide comprehensive coverage for barre instructors. After looking at quotes, you can choose to get covered online or call an agent to purchase insurance.

The general liability policies you get from CoverWallet comes with terrorism coverage and non-owned/hired auto liability coverage. The per occurrence limit is $1 million and the aggregate limit is $2 million.

Best for: Barre instructor insurance quotes comparison online

Average cost: $12 per month

Our rating: 10/10

Thimble Barre Instructor Insurance

Pros

On-demand coverage
Quick to issue an estimate of your premiums
Numerous add-ons to general liability insurance

Cons

You can’t reach customer service by calling

Thimble covers barre instructors like you through its fitness instructor insurance program. Policies available are general liability, business owner’s policy, and workers compensation insurance.

Thimble’s general liability insurance for barre instructors comes with optional add-ons such as cyber liability coverage, customer property coverage, and business equipment coverage. The business owner’s policy, on the other hand, can be added with hired/non-owned auto liability coverage.

Best for: On-demand coverage for barre instructors

Average cost: $13 per month

Our rating: 10/10

Insure Fitness Group Barre Instructor Insurance

Pros

Instant coverage

Professional liability coverage offered as a standard

Free professional website

A number of modalities to barre instructor insurance are available

Flexible payment via PayPal

Insurance for barre instructors in training is available

Instant certification is offered at checkout

Occurrence-form protection is included as part of the barre instructor package

Cons

There are a number of customer complaints on record

Insure Fitness Group has garnered over 65 years of experience providing insurance to professionals in the holistic health and wellness industry. As of 2018, the carrier has been a sought-after insurer for personal trainers in the market for professional liability insurance.

At present, Insure Fitness Group doesn't offer a standalone barre instructor policy. Instead, this is offered as part of the blanket fitness insurance package. Therefore, when you approach Insure Fitness Group for barre instructor insurance, you will be required to pay $17 per month, paid annually at a discounted rate of $179. The coverage includes:

$1 million per occurrence and $3 million annual aggregate on professional and general liability coverage
Rental damage coverage of up to $100,000
Identity protection of up to $25,000
Stolen equipment coverage of $1,000

Other than these, a policyholder gets access to member-only benefits, including discounted Vision and Dental Plans.

It is essential to mention that students training to be barre instructors can get insurance from Insure Fitness Group for $59 annually.

Best for: Insurance coverage with free professional website

Average cost: $17 per month

Our rating: 9/10

NACAMS Barre Instructor Insurance

Pros

A free professional website to promote your barre instructor business
Exclusive membership discounts
Instant coverage
Proof of insurance processed in minutes
Occurrence-form coverage
Few complaints with the NAIC
Superior financial strength rating
Special events and barre retreats are covered

Cons

Coverage is offered for named insureds only

Barre studio and personal property coverage is lacking

No commercial auto coverage

Substitute teachers for your barre class are not covered

The National Association of Complementary and Alternative Medicines (NACAMS) offers a professional policy for barre instructors. An additional advantage of working with NACAMS is that they provide barre instructors working part-time, 10 hours or less, comprehensive coverage. With a simple online application process, you get coverage and a Certificate of Insurance.

NACAMS barre instructor policy costs $13.25 or $179 annually and includes:

Professional and general liability insurance with a $1 million per-occurrence limit and $3 million individual annual aggregate
Product coverage of $1 million
Rental damage insurance of up to $100,000
Identity protection plan
Stolen equipment coverage of up to $1,000 with a $250 deductible

As highlighted, NACAMS's annual coverage costs $179. If you were to go with a two-year plan, you would be charged $279.95 for the two years. Students can purchase coverage from NACAMS for $55 for their first year of work.

NACAMS does offer policyholders riders which are add-ons that can help customize your coverage. Suppose other than being a barre instructor, you also offer Pilates. This additional business will attract $10. If you run other businesses, too, you'll incur an additional $30.

Best for: Comprehensive coverage

Average cost: $13.25 per month

Our rating: 7/10