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What types of insurance do fitness instructors need?
These policies provide coverage for the most common group fitness risks.
Business owner’s policy
A BOP bundles property insurance and general liability insurance under one plan. It's often one of the most cost-effective types of commercial insurance for a fitness instructor.
BEST FOR
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Customer injuries
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Damaged customer property
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Damaged business property
General liability insurance
This policy covers common group fitness risks, such as an injury in your exercise class caused by a dropped weight. Bundle with property insurance for savings in a BOP.
BEST FOR
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Slip-and-fall accidents
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Damaged customer property
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Libel or slander lawsuits
Workers’ compensation insurance
Workers’ compensation insurance is required in almost every state for fitness studios that have employees. It can cover medical bills for work-related injuries.
BEST FOR
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Employee medical expenses
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Missed wages
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Legal costs
Professional liability insurance
Professional liability insurance for group fitness instructors can cover legal expenses if a client claims that improper instruction led to an injury.
BEST FOR
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Professional negligence lawsuits
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Claims your instructions led to injury
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Work mistakes or oversights
How much does insurance cost for sports and fitness professionals?
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Several factors will have an impact on insurance costs, including:
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Sports and fitness services offered
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Business equipment and property
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Revenue
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Location
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Number of employees
Why do fitness instructors need insurance?
As a fitness instructor, you help transform your clients’ health. However, there’s also a risk of client injury. Fitness instructor insurance can help cover expenses when dealing with an allegation that your training caused injury, theft of exercise equipment, and other risks unique to fitness training.
