Barre classes are growing in popularity. Other than providing an intense cardio workout while still remaining relatively low-impact, this exercise leaves you feeling more confident.
But while barre workouts have become a staple in the fitness community, these still hold the same risk you'd typically find with group fitness classes such as zumba and pilates. Multiple low-weight repetitions could take a toll on a participant's knees, lower back, and shoulders. Even worse, the overhead activities, including those with light weights, could cause property damage.
That's where barre teacher insurance comes in. Given how litigious our society has turned out to be, this policy protects you, your business, and your reputation. Waivers aren’t enough. Getting insured grants the assurance that you can face problems head-on.
Barre instructor insurance alleviates your worry about something going wrong during the barre class. That way, you can focus wholly on the participants. Just knowing that your business and you are covered will give you the peace of mind to focus on providing your best to your students.
| 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
| 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.
Get all the best quotes from leading providers in a click of a button!
| 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.
| 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.
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 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.
| 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 |
Get all the best quotes from leading providers in a click of a button!
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:
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
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
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
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
On-demand coverage
Quick to issue an estimate of your premiums
Numerous add-ons to general liability insurance
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
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
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
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
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
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.
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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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