Fitness Insurance

Aerobics Instructor Insurance

Save up to 30% on business insurance
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Business insurance for aerobics instructors has never been easier

Next Insurance streamlines business insurance with coverage designed for the self-employed and small businesses
Get covered in 10 minutes and save up to 30%
Instant proof of insurance and easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor

Aerobics instructor insurance designed to protect your business

Next Insurance is a one-stop shop to help you get the aerobics instructor insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include: 

  • General liability
  • Professional liability (E&O)
  • Commercial auto
  • Workers’ compensation 
  • Commercial property
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Dance, aerobics & Zumba instructor insurance

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for aerobics instructors and save up to 10% when you bundle.


Bought by 95% of business owners like you
Get coverage for damages to third parties and basic risks in your industry. General liability protects a wide-range of incidents, from accidents to copyright infringement.
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GENERAL LIABILITY can help you pay for:
Injury to your client
Unhappy clients
Abuse and molestation
Harmful dietary advice


Bought by 80% of business owners like you
Protect your business and reputation from lawsuits and negligence claims. The specific coverage varies based on the industry, so Next tailors your coverage to what you need.
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PROFESSIONAL LIABILITY can help you pay for:
Injury to your client
Unhappy clients
Abuse and molestation
Harmful dietary advice


For business owners that use vehicles
If you’re driving for your business, you need a safety net in case of auto or equipment accidents. Get covered for accident liability, rentals, tows, and more.
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COMMERCIAL AUTO can help you pay for:
Uninsured motorist
Towing and labor
Rental reimbursement
Medical Payments
Hired Auto Liability
Non Owned Auto Liability


For business owners who own or rent physical spaces
Property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs.
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COMMERCIAL PROPERTY can help you pay for:
Business Personal Property - Fire
Business Personal Property - Theft
Business Personal Property
Business Income
Debris Removal
Employee Dishonesty
Money and Securities
Water Back-up & Sump Overflow
Ordinance or Law
Utility Services - Time Element

Save up to 30% on aerobics instructor insurance

Choose from three levels of protection to get the coverage you need
You can pay for your insurance monthly or annually and you can cancel instantly at any time.

How much does aerobics business insurance cost?

Aerobics instructor insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work
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Insurance cost

Aerobics instructor insurance requirements

Aerobics instructors are almost always required to have insurance due to the risk of exercise-related injury and property damage. You might need insurance to:

  • Start working as a group or individual instructor. Gyms and clients might ask you to have active insurance — usually general liability or workers’ compensation.
  • Hire employees. Most states require workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Need a fast certificate of insurance?

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Frequently asked questions about aerobics instructor insurance

Here are some of the most common questions we get about aerobics instructor liability insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect aerobics instructors?

Our in-person and online aerobics class insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

Your step platforms leave some scratches on the gym’s floor. The general liability coverage in your insurance package would help pay for the repair or replacement.

Accidents that hurt someone

You forget to change out of wet boots before walking into class, and a client falls on the slippery floor. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes 

A student says you taught the wrong technique, causing an injury that made them miss work. Professional liability insurance for aerobics businesses helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Workplace injuries 

While teaching a class, you slip and twist your ankle. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You swerve to avoid a cat on the way to the gym and wreck your wheel shaft on the curb. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

A plumbing issue causes water damage in your aerobics studio. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is login to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.