Written by: Lindsey Lessard, Director of Client Services, Broker Representative for Alternative Balance
Aqua exercise, also known as water aerobics, has become a popular way to stay fit and healthy. A great example of this is WATERinMOTION®, which offers SilverSneakers-approved classes to folks all over the US!
This form of exercise, performed in a swimming pool, is favored for its low-impact nature and numerous health benefits. However, like any physical activity, it comes with inherent risks. This blog discusses the importance of insurance for individuals teaching aqua exercise classes and for facilities offering these programs.
Understanding Aqua Exercise
Aqua exercise involves aerobic and resistance training in a pool. It’s beneficial for a wide range of individuals, including those with joint issues, seniors, pregnant women, and those recovering from injuries. The buoyancy of water reduces stress on the body, making it a safe exercise option. However, the aquatic environment also introduces unique risks, such as slipping on wet surfaces or water-related accidents.
Why Insurance is Essential for Aqua Exercise Professionals
1. Mitigating Financial Risks:
Participant Accident insurance can cover unexpected medical costs arising from aqua exercise-
related injuries. Even though it’s low-impact, accidents or muscle strains can occur.
Liability insurance is crucial. If a participant gets injured during a class, the instructor or facility
could be held responsible. Liability insurance helps cover legal fees and settlements.
2. Ensuring Continuity of Business:
For businesses, insurance can safeguard against interruptions in business operations and income. For instance, if a pool needs repairs due to an accident, property insurance can cover the costs, minimizing downtime.
3. Building Trust and Credibility:
For instructors, having insurance demonstrates professionalism and builds trust with clients. It
shows that you are prepared for unforeseen situations, which can be reassuring for your clients.
4. Compliance with Regulations:
Many regions require fitness instructors and facilities to have certain types of insurance. Not
having appropriate insurance can lead to legal issues and fines. Be sure to check with your state to determine how much insurance you need.
5. Peace of Mind:
For everyone involved, knowing that there’s financial protection in case of accidents or injuries
provides peace of mind, enabling participants to enjoy the exercise without worry.
Types of Insurance Relevant to Aqua Exercise
There are multiple types of business insurance that water aerobics instructors and gyms need to ensure they are fully protected in case of an accident or damage.
Liability Insurance: Protects against claims of negligence, such as a participant getting injured
due to improper instruction or unsafe conditions.
Professional Liability: Protects against claims of professional negligence, such as providing
incorrect exercise guidance.
Participant Accident Insurance: Covers medical treatments for injuries that might occur during
aqua exercise sessions.
Property Insurance: Covers damage to your business personal property and equipment due to
accidents or natural disasters.
How to Choose the Right Insurance
Now that we’ve discussed the different types of insurance you need, be sure you are finding the right coverage provider by following these simple steps.
Assess Your Needs: Understand the specific risks associated with aqua exercise to choose the
right type and amount of coverage.
Shop Around: Compare policies from different insurers to find the best coverage at a reasonable price.
Read the Fine Print: Pay attention to exclusions and limitations in the policy.
Consult with Professionals: Speak with insurance agents or brokers who specialize in fitness and recreational activities for tailored advice.
Conclusion
While aqua exercise offers numerous health benefits, it’s essential to recognize and mitigate the associated risks. Insurance plays a vital role in this regard, providing financial protection and peace of mind to participants, instructors, and facility operators. By understanding the types of insurance available and how to choose the right coverage, everyone involved in aqua exercise can focus on the health and wellness benefits of this wonderful physical activity, secure in the knowledge that they are protected against unforeseen events.
If you have additional questions, please email us at [email protected] or give us a ring at (800) 871-3848 Monday-Friday 9am-5pm EST. For the latest coverages and pricing see https://alternativebalance.com/pricing-and-coverage-details.
Want more insurance tips and information? Check out our other monthly insurance blog posts! New posts are uploaded during the first week of every month. If there are any specific topics that you’d like us to touch on, please shoot us an email at [email protected]!