Group of people in an aerobics exercise class

Liability Insurance Designed Just for Aerobics Instructors

As an aerobics instructor you have worked hard to establish yourself ethically and professionally with your clients but we understand it only takes one lawsuit to stop your passion in the industry and your ability to work.

How do I protect my business?

As an aerobics instructor you have worked hard to establish yourself ethically and professionally with your clients but we understand it only takes one lawsuit to stop your passion in the industry and your ability to work.

NOW INCLUDED WITH YOUR MEMBERSHIP!

Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get Participant Accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

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Fitness Examples

What if??

Wondering what kind of claims could be covered by fitness insurance? We've got some examples to make it easy.

  • General Liability: Client is using equipment and falls, hitting their head on the equipment.
  • Professional Liability: You are working with a client who is doing bench presses, and you leave their side to get water without telling them to stop the movement first. They lose control of the weights and get injured because you weren't there to spot their movements.
  • Damage to Premises Rented: During a training session at a weekend exercise retreat, your client drops the weight bar on the floor and damages the hardwood flooring in the rented space. Because it's a space rented for fewer than 7 days for your professional service, coverage would apply.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Fitness Instructor Insurance

Fitness Instructor SUB-INDUSTRY INSURANCE

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

Explore Benefit Suites

Fitness Instructor Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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On January 2, 2026

Yes, Forest Therapy has it's own selection on our application.

On January 2, 2026

If you employ other fitness instructors you can add them to your policy. If you work with fitness instructors that are independent contractors they must get their own individual policy.

On January 2, 2026

Yes, we cover water aerobics as a premium therapy.

View All FAQs

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Featured Members

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alternativebalance

Say hey to our member, Gemma Jones!

💟What she does:
At Caltrology Electrolysis, our team views both inner and outer beauty as unique forms of art and avenues for self-expression. Each individual’s skin and hair narrate their personal journey and distinctiveness, which we celebrate through our clients` self-care, including their hair removal solutions for unwanted hair. From advanced electrolysis to gentle waxing and eco-friendly sugaring, we have a strong mission to help our clients feel great in their skin.

What makes us unique is that our mission extends beyond just individual hair removal treatments to include advocacy for broader access to necessary care. As passionate supporters for women who suffer from hirsutism or PCOS, our team is dedicated to ensuring that essential services like electrolysis eventually become recognized and covered by insurance, providing relief and support to those affected by these conditions.

💟What she says about Alternative Balance:
I feel comfortable and confident performing electrolysis treatments on clients (which involves inserting fine needles into individual hair follicles and applying electrical current to destroy the source of hair growth) because I’m backed by a prestigious insurance company with a great customer-satisfaction track record!

#ABmembers #ABfeaturedmember #californiasmallbusiness #californiabusiness #hairremovalbusiness

View Instagram post by alternativebalance

Nov 21

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Open post by alternativebalance with ID 18060202373634518
Say hey to our member, Gemma Jones! 💟What she does: At Caltrology Electrolysis, our team views both inner and outer beauty as unique forms of art and avenues for self-expression. Each individual’s skin and hair narrate their personal journey and distinctiveness, which we celebrate through our clients' self-care, including their hair removal solutions for unwanted hair. From advanced electrolysis to gentle waxing and eco-friendly sugaring, we have a strong mission to help our clients feel great in their skin. What makes us unique is that our mission extends beyond just individual hair removal treatments to include advocacy for broader access to necessary care. As passionate supporters for women who suffer from hirsutism or PCOS, our team is dedicated to ensuring that essential services like electrolysis eventually become recognized and covered by insurance, providing relief and support to those affected by these conditions. 💟What she says about Alternative Balance: I feel comfortable and confident performing electrolysis treatments on clients (which involves inserting fine needles into individual hair follicles and applying electrical current to destroy the source of hair growth) because I’m backed by a prestigious insurance company with a great customer-satisfaction track record! #ABmembers #ABfeaturedmember #californiasmallbusiness #californiabusiness #hairremovalbusiness

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alternativebalance

Say hey to our member, Maya Risteska!

💟What she does:
At Beauty Bliss we offer high quality permanent make up services that are tailored for each client individually. Our main goal is to provide daily perfection without any daily efforts.

💟What she says about Alternative Balance:
Alternative Balance is saving me money and helps in promoting my business.

#ABmembers #ABfeaturedmember #PMU #permanentmakeup #pmuartist

View Instagram post by alternativebalance

Nov 14

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Say hey to our member, Maya Risteska! 💟What she does: At Beauty Bliss we offer high quality permanent make up services that are tailored for each client individually. Our main goal is to provide daily perfection without any daily efforts. 💟What she says about Alternative Balance: Alternative Balance is saving me money and helps in promoting my business. #ABmembers #ABfeaturedmember #PMU #permanentmakeup #pmuartist

...

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alternativebalance

Say hey to our member, Khadijah Dawkins of @essential.element.ha!

💟What they do:
Essential Element Healing Arts is dedicated to providing intuitive wellness through healing with energy, sound, vibration, and the Akashic Records as well as unique products to enhance your quality of life. We aim to help you understand that "You" are the "Essential Element" in your healing process.

Essential Element provides classes and workshops as well as private healing sessions to help you keep your chakras balanced and aligned, activating your body`s natural healing abilities.

💟What they say about Alternative Balance:
Alternative Balance provides unique coverage options for our multi-faceted healing services!

#ABmembers #ABfeaturedmember

View Instagram post by alternativebalance

Oct 24

4 0
Open post by alternativebalance with ID 18072517517193013
Say hey to our member, Khadijah Dawkins of @essential.element.ha! 💟What they do: Essential Element Healing Arts is dedicated to providing intuitive wellness through healing with energy, sound, vibration, and the Akashic Records as well as unique products to enhance your quality of life. We aim to help you understand that "You" are the "Essential Element" in your healing process. Essential Element provides classes and workshops as well as private healing sessions to help you keep your chakras balanced and aligned, activating your body's natural healing abilities. 💟What they say about Alternative Balance: Alternative Balance provides unique coverage options for our multi-faceted healing services! #ABmembers #ABfeaturedmember

...

4 0

alternativebalance

Say hey to our member, Angela Wuerz! @angelawuerz

💟What she does:
I’m Angela Wuerz, a dedicated Registered Bach Flower Practitioner based in Los Gatos, California. I have a passion for helping individuals find balance and emotional well-being through the natural, gentle healing power of Bach Flower Remedies. With years of experience, I specialize in working with adults, teens, and couples to support their journey toward greater harmony and mental clarity.

💟What she says about Alternative Balance:
When I had a question about my insurance, I was able to reach a real person and get the answer within minutes.

#ABmembers #businessmembership #healthcoachcommunity #onlinehealthcoaching #emotionalhealing #smallbusinessfeature #virtualhealthcoach #ABfeaturedmember

View Instagram post by alternativebalance

Sep 19

4 0
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Say hey to our member, Angela Wuerz! @angelawuerz 💟What she does: I’m Angela Wuerz, a dedicated Registered Bach Flower Practitioner based in Los Gatos, California. I have a passion for helping individuals find balance and emotional well-being through the natural, gentle healing power of Bach Flower Remedies. With years of experience, I specialize in working with adults, teens, and couples to support their journey toward greater harmony and mental clarity. 💟What she says about Alternative Balance: When I had a question about my insurance, I was able to reach a real person and get the answer within minutes. #ABmembers #businessmembership #healthcoachcommunity #onlinehealthcoaching #emotionalhealing #smallbusinessfeature #virtualhealthcoach #ABfeaturedmember

...

4 0

alternativebalance

Say hey to our member, Chrystal Goldschmidt!

💟Company Name:
Serenica Wellness - FKA Hydrologie Wellness

💟What she does:
Chrystal is very passionate about her work. Chronic childhood trauma, abuse, neglect, and the loss of her husband who lost his battle to military service-connected PTSD by suicide, led her to survive life with chronic PTSD (complex post-traumatic stress disorder) among other issues. These things triggered intense grief, anxiety, fear, OCD, and perfectionism. She attributes her outstanding results during her healing journey from C-PTSD, negative core beliefs, imposter syndrome, and many health conditions using the Emotional Freedom Technique (EFT Tapping) and Energy Medicine.

💟What she says about Alternative Balance:
Alternative Balance has helped my business with insurance coverage that we can trust that is specifically designed to protect our variety of professional and holistic services.

#ABmembers #businessmembership #PTSDhealing #EFTpractitioner #emotionalfreedomtechnique #griefcoach #griefhealing #energymedicine #energyhealer #energyworkersofinstagram #ABfeaturedmember

View Instagram post by alternativebalance

Aug 22

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Say hey to our member, Chrystal Goldschmidt! 💟Company Name: Serenica Wellness - FKA Hydrologie Wellness 💟What she does: Chrystal is very passionate about her work. Chronic childhood trauma, abuse, neglect, and the loss of her husband who lost his battle to military service-connected PTSD by suicide, led her to survive life with chronic PTSD (complex post-traumatic stress disorder) among other issues. These things triggered intense grief, anxiety, fear, OCD, and perfectionism. She attributes her outstanding results during her healing journey from C-PTSD, negative core beliefs, imposter syndrome, and many health conditions using the Emotional Freedom Technique (EFT Tapping) and Energy Medicine. 💟What she says about Alternative Balance: Alternative Balance has helped my business with insurance coverage that we can trust that is specifically designed to protect our variety of professional and holistic services. #ABmembers #businessmembership #PTSDhealing #EFTpractitioner #emotionalfreedomtechnique #griefcoach #griefhealing #energymedicine #energyhealer #energyworkersofinstagram #ABfeaturedmember

...

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alternativebalance

Say hey to our awesome member, Brandy Cummings! @resilientmotherhood.health

💟Company Name:
Resilient Motherhood

💟What she does:
I’m a doctor of clinical nutrition who supports women to resolve the mysterious symptoms that began after having their baby while empowering them with the evidence-based information they need to understand their situation isn’t normal or “just in their head.”

💟What she says about Alternative Balance:
It`s so easy, I love the user interface and all the extra support and benefits behind the scenes.

#ABmembers #businessmembership #nutritionbusiness #nutritionpractitioner #infertilitysupport #alternativemedicine #alternativehealthcoach #DoctorofClinicalNutrition #ABfeaturedmember

View Instagram post by alternativebalance

Jul 25

4 0
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Say hey to our awesome member, Brandy Cummings! @resilientmotherhood.health 💟Company Name: Resilient Motherhood 💟What she does: I’m a doctor of clinical nutrition who supports women to resolve the mysterious symptoms that began after having their baby while empowering them with the evidence-based information they need to understand their situation isn’t normal or “just in their head.” 💟What she says about Alternative Balance: It's so easy, I love the user interface and all the extra support and benefits behind the scenes. #ABmembers #businessmembership #nutritionbusiness #nutritionpractitioner #infertilitysupport #alternativemedicine #alternativehealthcoach #DoctorofClinicalNutrition #ABfeaturedmember

...

4 0

alternativebalance

Say hello to our member, Janine! Here’s a little about her:

💟Company Name:
Rise Coaching Services (@risecoachingservices)

💟What she does:
Janine helps school-age children and young adults find their authentic selves and live their best lives.

💟What she says about Alternative Balance:
Alternative Balance has ensured that I now have liability insurance after waiting for years. They are so helpful, kind, and human. Love my experience so far.

Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member!

#ABmembers #businessmembership #alternativehealthpractitioner #californiasmallbusiness #lifecoaches #coachingcommunity #featuredmember #ABfeaturedmember

View Instagram post by alternativebalance

May 23

3 1
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Say hello to our member, Janine! Here’s a little about her: 💟Company Name: Rise Coaching Services (@risecoachingservices) 💟What she does: Janine helps school-age children and young adults find their authentic selves and live their best lives. 💟What she says about Alternative Balance: Alternative Balance has ensured that I now have liability insurance after waiting for years. They are so helpful, kind, and human. Love my experience so far. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #californiasmallbusiness #lifecoaches #coachingcommunity #featuredmember #ABfeaturedmember

...

3 1

alternativebalance

Say hello to our member, Jana (@janahanalei)! Here’s a little about her:

💟Company Name:
Hanalei SUP Yoga

💟What she does:
Jana is the founder of Hanalei SUP Yoga. She holds an E-RYT 500 hour yoga instructor certification, SUP Yoga teacher certificate, is a WPA Class Il instructor and a PaddleFit Pro Coach. She offers a SUP Yoga teacher training and WPA class I certification annually. During the summer she teaches a variety of classes on the North Georgia lakes. When she`s not teaching, she hosting SUP and yoga retreats in North and Central America or volunteering for a Newfoundland dog rescue.

💟What she says about Alternative Balance:
Alternative Balance has helped me by providing coverage for my unique business needs at an affordable rate.
Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member!

#ABmembers #businessmembership #alternativehealthpractitioner #georgiasmallbusiness #SUPyoga #yogateachers #yogacommunity #featuredmember #ABfeaturedmember

View Instagram post by alternativebalance

May 16

5 2
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Say hello to our member, Jana (@janahanalei)! Here’s a little about her: 💟Company Name: Hanalei SUP Yoga 💟What she does: Jana is the founder of Hanalei SUP Yoga. She holds an E-RYT 500 hour yoga instructor certification, SUP Yoga teacher certificate, is a WPA Class Il instructor and a PaddleFit Pro Coach. She offers a SUP Yoga teacher training and WPA class I certification annually. During the summer she teaches a variety of classes on the North Georgia lakes. When she's not teaching, she hosting SUP and yoga retreats in North and Central America or volunteering for a Newfoundland dog rescue. 💟What she says about Alternative Balance: Alternative Balance has helped me by providing coverage for my unique business needs at an affordable rate. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #georgiasmallbusiness #SUPyoga #yogateachers #yogacommunity #featuredmember #ABfeaturedmember

...

5 2

alternativebalance

Say hello to our member, Sarah (@browvanaco)! Here’s a little about her:

💟Company Name:
Brow-Vana

💟What she does:
Sarah is a small business owner specializing in microblading and ombre powder brows.

💟What she says about Alternative Balance:
Alternative Balance has helped me by keeping my business well secured in case of any mishaps.

Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member!

#ABmembers #businessmembership #alternativehealthpractitioner #floridasmallbusiness #estetician #businesscommunity #featuredmember #ABfeaturedmember

View Instagram post by alternativebalance

May 9

8 0
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Say hello to our member, Sarah (@browvanaco)! Here’s a little about her: 💟Company Name: Brow-Vana 💟What she does: Sarah is a small business owner specializing in microblading and ombre powder brows. 💟What she says about Alternative Balance: Alternative Balance has helped me by keeping my business well secured in case of any mishaps. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #floridasmallbusiness #estetician #businesscommunity #featuredmember #ABfeaturedmember

...

8 0

alternativebalance

Say hello to our member, Shana (@aspirefitnesshealth)! Here’s a little about her:

💟Company Name:
Aspire Fitness Health

💟What she does:
As a dedicated nutrition coach and personal trainer, I am passionate about helping individuals achieve their health and fitness goals through a holistic approach. With a deep understanding of the vital role that nutrition plays in overall well-being, I strive to educate and empower my clients to make sustainable lifestyle changes. By combining personalized exercise plans with tailored nutrition advice, I aim to optimize both physical performance and mental well-being. With a strong emphasis on balance and mindfulness, I believe in nurturing the body, mind, and soul to achieve long-lasting results. Together, we can embark on a transformative journey towards a healthier, happier life.

💟What she says about Alternative Balance:
Alternative Balance has been instrumental in providing me with great insurance coverage and ensuring peace of mind for both myself and my business. Their comprehensive policies have safeguarded me against potential risks and unforeseen events, allowing me to focus on running my business with confidence. Knowing that I have reliable protection in place has alleviated any worries about potential financial losses or liabilities.

Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member!

#ABmembers #businessmembership #alternativehealthpractitioner #nutritioncoaches #personaltrainers #wellnessentrepreneur #businesscommunity #featuredmember #ABfeaturedmember

View Instagram post by alternativebalance

May 2

7 0
Open post by alternativebalance with ID 18024532964678052
Say hello to our member, Shana (@aspirefitnesshealth)! Here’s a little about her: 💟Company Name: Aspire Fitness Health 💟What she does: As a dedicated nutrition coach and personal trainer, I am passionate about helping individuals achieve their health and fitness goals through a holistic approach. With a deep understanding of the vital role that nutrition plays in overall well-being, I strive to educate and empower my clients to make sustainable lifestyle changes. By combining personalized exercise plans with tailored nutrition advice, I aim to optimize both physical performance and mental well-being. With a strong emphasis on balance and mindfulness, I believe in nurturing the body, mind, and soul to achieve long-lasting results. Together, we can embark on a transformative journey towards a healthier, happier life. 💟What she says about Alternative Balance: Alternative Balance has been instrumental in providing me with great insurance coverage and ensuring peace of mind for both myself and my business. Their comprehensive policies have safeguarded me against potential risks and unforeseen events, allowing me to focus on running my business with confidence. Knowing that I have reliable protection in place has alleviated any worries about potential financial losses or liabilities. Head to our bio link to get your free (instant!) quote or call our 5-star customer care team to learn more about being an Alternative Balance member! #ABmembers #businessmembership #alternativehealthpractitioner #nutritioncoaches #personaltrainers #wellnessentrepreneur #businesscommunity #featuredmember #ABfeaturedmember

...

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Not ready to buy?

Planning ahead and don't want to forget? Let us remind you! Schedule the day you want to purchase a policy, and we'll send you a reminder.

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Call: 1-800-871-3848

41 Liberty Hill, Bldg 2
Henniker, NH 03242

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