Aerobics Instructor Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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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, and legal fees. Our insurance packages typically include:

General liability
Professional liability
Workers’ compensation
Commercial property

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 two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of aerobics accidents and basic risks. You’ll have financial protection if someone gets hurt during a class or you are held responsible for damaging property that doesn’t belong to you. It’s often required by gyms and individual clients.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of having a broken step platform in your class that causes a client to fall and injure themselves, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers’ Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial 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 as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

For Personal Trainers AND Yoga Instructors

There might be a fair amount of insurance providers who provide coverage for both, but Next was the quickest to respond! The process was super straight forward and understandable.

Edward S.

The Best!

This insurance company is Awesome, very good customer support, and it’s the cheapest so you pay less, highly recommended!

Shereen S.

I’m a brand new customer

Great service so far!

Maria P.

Easy

It was easy to get insurance. Plus you can choose between monthly payments and annual payments. I love that! And you can use a credit card if you want to. Easy!

Berny K.

Great!

Tony P.

Next Insurance for Liability Personal Training

It was easy to sign up and a great price for Personal Training Liability Insurance

Lorraine B.

Owner

Agent service was excellent

Mark B.

Easy to enroll.

Christopher M.

Personal Trainer

Best insurance in the area

Victor L.

Fast easy and affordable

Samuel J.

You can save up to 25% in discounts on aerobics instructor insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

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

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.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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 can 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 could 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 could 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.

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?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.