Teaching group fitness classes comes with unique risks. Whether you’re leading high-energy step routines or low-impact aerobic sessions, there’s always a chance a participant could get injured or allege that your instruction caused harm. That’s where liability insurance for aerobics instructors becomes essential.
This type of insurance typically includes both general liability—covering accidents like slips or falls—and professional liability, which protects against claims of negligence related to your instruction or advice.
Aerobic workouts challenge the body through sustained movement, increasing the potential for strains, missteps, or other physical issues. Even experienced instructors can face unexpected claims, which is why having comprehensive coverage is a smart business move.
Insure Fitness Group offers affordable aerobics instructor insurance that protects your career with broad coverage and no complicated quote process. For less than the cost of a monthly gym membership, you can teach with confidence, knowing you’re covered against legal and financial risks.
For an entire year of coverage, Insure Fitness Group liability insurance for aerobics instructors is just $189. We also offer an incredible rate of only $65 per year for students. Read more on how much personal trainer insurance costs here. Compare insurance plans and rates.
Even the most qualified and prepared Aerobics or group fitness instructor faces real liability risks. One slip, miscue, or sudden injury in class can still lead to legal action—even if your facility has coverage. Don’t let your career hang in the balance: protect it with dedicated professional liability insurance tailored for instructors.
Why This Coverage Matters
Athletic settings carry inherent risk. Instructors guide participants through physical movements that, despite safety measures, can result in injury.
Employer policies may not be enough. Even if the gym or studio has insurance, that coverage might not extend fully to you as an independent contractor or lead instructor.
Legal defense isn’t cheap. A single lawsuit can bring hefty legal fees—even if you’re ultimately vindicated.
What the Stats Say
According to the National Safety Council, nearly 483,000 exercise-equipment-related injuries occurred in the U.S. in 2023—the highest in the sports and recreation category This captures a wide variety of fitness-related incidents, and many take place under professional supervision or in instructor-led classes. With these numbers, it’s clear: injuries happen—and anyone could be at fault.
How Aerobics-Instructor Liability Insurance Helps
Covers legal fees & settlements if a participant claims injury due to your instruction or negligence.
Provides professional credibility—participants and studios feel more secure knowing you’re insured.
Lets you focus on your passion—teaching and motivating—without worrying about the financial fallout of a claim.
Our personal training and group fitness insurance program covers a multitude of exercise programs, along with hundreds of other healing practices.
Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Thursday from 8 AM to 7 PM ET. On Fridays, we’re open from 9 AM to 7 PM ET. Leave us a message after-hours and we’ll get back to you ASAP! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.