MALPRACTICE INSURANCE FOR INDIVIDUAL PROFESSIONALS
Aerobics Instructors across the country trust CPH Insurance for their professional liability insurance. A policy with CPH provides peace of mind, so you can focus on providing your clients the highest quality service.
What is professional liability insurance for aerobics instructors?
The fact is, we live in litigious times and safeguarding your career and assets from a lawsuit is paramount. Liability insurance isn’t only for medical professionals anymore. Aerobics instructors are encouraged to carry this coverage as well, even if you think you are covered under a gym or studio’s policy.
Why? Accidents happen often, should a client slip and fall during a class or trip over equipment while working out with you, they could name you in the lawsuit. In the event of a claim, under your own insurance policy, you would have the defense coverage needed to fight back.
Why take out your own aerobics instructor insurance policy (even if you’re a W2)?
As an aerobics instructor, you’re the leader of the class. You’re responsible for planning safe and effective exercises whether you’re working with a small number of clients or directing a larger group. You know that sometimes the toughest part about your job can come in the form of effectively instructing a larger class at once. If someone were to hurt themselves because they weren’t following your instruction, they may potentially sue you for their injury. Whether their claim has merit or not, aerobics instructor insurance for certified professionals will provide unlimited legal defense and pay the amount the court awards to your client up to the limits of your policy.
Why is having an individual policy of your own important? Your facility’s insurance policy may provide coverage; however, if multiple employees are named in a lawsuit, the policy defense costs will be shared amongst everyone named including the facility, potentially leaving you without the necessary coverage to pay all of your attorney fees and damages to the client.
Secondly, if you are an independent contractor at a facility, you may not be included on their policy. While it’s common for W-2 employees to be covered under the group policy, contractors should not assume coverage. Getting individual aerobics instructor insurance policy is easy and can be as low as $82 for the year.
Thirdly, a studio’s policy will not cover work you do on your own outside of the studio. Having an individual policy will cover private services you may provide outside of the gym.
Professional liability insurance for aerobics instructors is extremely important due to the high risk of injury that occurs when training the human body, and with the uncertainty of coverage under your facility’s insurance, it’s even more important to have your own individual policy. It’s peace of mind, it’s confidence, and a quote is just a few clicks away.
Our coverage is catered to aerobics instructors
- Occurrence form coverage (lifetime coverage)
- A++ rated carrier for Financial Stability by A.M. Best Co.
- Portable coverage – follows your certification
- Optional General Liability Coverage
- Premises Liability Coverage
- Personal Injury Liability Coverage
- Sexual Misconduct Expense Coverage
- Loss of Earnings Coverage
- HIPAA Proceedings Coverage
The CPH Way
What Makes Us Different
Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.