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Fitness Instructor Insurance

Fitness Instructor Insurance

Fitness Insurance

FITNESS INSTRUCTOR INSURANCE | A+ INSURANCE YOU CAN TRUST

Fitness instructors know that the whole point of working out is to push the body to do more. Unfortunately, injuries can be a side effect of many types of exercise. If you're the instructor leading the group, you could be held liable for one of your students' injuries. As a fitness 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. You protect your health with exercise, now protect your work with the best fitness instructor insurance and member benefits from Alternative Balance!

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WHY DO I NEED FITNESS INSTRUCTOR INSURANCE?

Often when you provide your service at a location that someone else owns, such as a gym, school or at training facilities, they will not protect you and will require you to have your own professional liability insurance. There's no need for the policy to be expensive - we know you can appreciate saving money! Our low-cost options can be customized for your work schedule, part-time or full-time, or even while you're training to instruct a specific style of exercise (with our student policy).

WHAT COVERAGE IS INCLUDED IN MY FITNESS INSTRUCTOR LIABILITY INSURANCE?

Your policy will include General & Professional Liability, Damage to Premises Rented, and much more. We also offer optional Cyber Liability, which protects your business in the event of a cyber attack or hack. Sexual Abuse Liability is also available as an optional coverage. Visit our Coverage page for more specific information about the types of coverage included in our plan.

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

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: Your client drops the weight bar on the floor and damages the hardwood flooring in your rented space.

Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Fitness Instructor SUB-INDUSTRY INSURANCE

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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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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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