Important Benefits of Fitness Instructor Insurance
Fitness instructor insurance coverage will keep you in the gym and let you contribute actively towards building your client base. While you may devote time and energy to building class lists you must also ensure that your fitness instructor liability insurance is up to date.
Why is this so important? It takes only one claim to bring your business down on its knees. A client gets injured during a spin class. A bag becomes dislodged during a kickboxing session to leave a gaping hole in the gym ceiling. Not having insurance coverage will mean you are personally responsible for damages, repair and related expenses.
4 important reasons why every fitness instructor must carry liability insurance:
- Provides coverage for numerous types of fitness instruction and courses ranging from adult kick boxing courses to children’s fitness programs
- Pays for damage to participant’s or gym owner’s property that occurs during your fitness instruction activities
- Offers coverage in the event one of your participants is injured during class or while under your instruction
- Provides professional liability coverage for acts such as breach of duty, negligence, error, omission or making a misleading statement regarding the fitness activities
Complete an online application for fitness instructor insurance coverage or call Sports and Fitness Insurance Corporation at 800-844-0536.
Fitness Trainer Insurance Key Components
Fitness professionals should know what to look for in a good fitness instructor insurance policy. Some important considerations are:
- Coverage for numerous types of classes/operations: coverage for fitness instructor led classes including aerobics, aquatic exercise, fitness bootcamp, GYROTONIC®, ZUMBA®, Pilates, spinning, Tai Chi, yoga and more
- General liability coverage: including bodily injury and property damage, personal and advertising injury, legal liability to participants, professional liability, damage to gym/premises, personal medical expenses
- Program exceptions: certain operations may be ineligible for coverage in situations such as—instructors are under the age of 18; instructor is employed by a school, university or college; or instructors are working outside the U.S.
- Knowing which areas may not be included: possible areas include sexual misconduct, nutrition and dietician services, physical therapy or medical services or the sale of herbal/medicinal products
With over 35 years in combined experience working in the sports and fitness industry, our skilled underwriting team knows what it takes to provide quality fitness instructor insurance coverage.
To learn more about fitness instructor insurance coverage call Sports and Fitness Insurance Corporation today at 800-844-0536.
THE MATERIAL HEREIN IS PROVIDED FOR INFORMATIONAL PURPOSES AND IS NOT INTENDED TO BE A REPRESENTATION OF COVERAGE THAT MAY EXIST IN ANY PARTICULAR SITUATION UNDER A POLICY ISSUED THROUGH SPORTS & FITNESS OR ITS AFFILIATES. ALL CONDITIONS OF COVERAGE, TERMS AND LIMITATIONS ARE DEFINED AND PROVIDED FOR IN THE POLICY ISSUED TO YOU. PROGRAMS AND PRODUCTS MAY NOT BE AVAILABLE IN ALL STATES AND POLICY FEATURES MAY VARY BY STATE OR OTHER CIRCUMSTANCES.
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