Tailored Professional Liability insurance for aerobics instructors

The importance of
Professional Liability insurance for
aerobics instructors

As an aerobics instructor, you’re in tune with all the benefits of exercise and strive to help others aspire to be physically fit, too.

Unfortunately, no matter how compassionate you are in your instruction and how carefully you match your aerobic routines to the fitness level of your clients, as an aerobics instructor, you are at risk for allegations of misconduct and negligence. A claim of a client’s injury caused by your instruction, or an accusation of harassment can surface when you least expect it. In that critical moment, the best protection is an Aerobics Instructor Liability insurance policy.

Lockton Affinity Fitness’s Professional Liability insurance for aerobics instructors is comprehensive and affordable and can be purchased online in a few minutes.

Pricing for Professional Liability insurance for aerobics instructors

Professional Liability insurance rates for aerobics instructors with limits of $500,000 per claim / $500,000 aggregate start as low as:

$18

FOR STUDENTS

*Per year

$121

FOR EMPLOYED
PROFESSIONALS

*Per year

$241

FOR SELF-EMPLOYED
PROFESSIONALS

*Per year

Additional limit options include:

$1,000,000 per claim / $1,000,000 aggregate
$1,000,000 per claim / $3,000,000 aggregate
$2,000,000 per claim / $4,000,000 aggregate

*Before applicable fees.

Coverage details for aerobics instructor Professional Liability insurance

• Damages and claim expenses
• Attorney fees and court costs if you are named in a claim, including as a defendant in a civil suit stemming from covered professional services
• Loss of earnings up to $500 per day due to your attendance at trial, hearings, mediation meetings or arbitration proceedings
• Professional license complaint investigation fees, costs and expenses associated with investigations or proceedings brought by a state licensing board, or other regulatory body, in relation to your professional services license
• Limited-premises General Liability

Why aerobics instructors need personal coverage

While you may be covered under an employer’s Professional Liability policy, that policy likely excludes coverage if you’re personally named in a lawsuit. A single claim can cost thousands of dollars and interrupt your ability to continue working — even if you’re acquitted of any wrongdoing.

Whether you’re self-employed or work for a fitness facility, community center or other recreational facility, your own Professional Liability insurance policy from Lockton Affinity Fitness provides protection you can count on.