Today, we’re sharing a post from our friends at CPH and Associates! They’re sharing with us the importance of having professional liability insurance and how to protect yourself in case of an accident in your class. Read more in their post below and make sure you’re covered!

What is professional liability insurance for a group fitness instructor?

Nowadays, it seems we like we have insurance for everything—our phones, cars, houses, and yes, even on our pets. If you think about it, these are all important things to us, but having all of these in the first place is mostly dependent on our having a career to provide for them.

This brings us to group fitness instructor insurance. It’s essentially insurance for the services you provide to your class. It supplies defense coverage if you were to be sued by a client injury resulting from a class you were the instructor of, having a group fitness insurance policy will ultimately safeguard your career. It’s important, and often times one of the first things a potential studio will ask for before taking you onboard as an instructor.

Let’s look at a common potential lawsuit scenario.

Exercising is about celebration. It’s about losing yourself in the class and for a lot of people, coming out of their shells. It’s absolutely an intense workout and one that generates a lot of sweat. Unlike the NBA, there isn’t a floor crew to continually mop away the moisture, let alone always a break for you to make sure the floors are consistently dry.

If a client were to slip during the class and hurt themselves, they could potentially sue you as the instructor. Whether their claim has merit or not, fitness insurance for group fitness instructors will provide unlimited legal defense and pay for any amount the court awards to your client for their injury, up to the limits of your policy.

If something like this were to happen, filing a claim is really easy when you have insurance through CPH and Associates. All you have to do is go to our website and fill out a claim form which takes about 5 minutes to complete. You submit the form online and then one of our claims representatives will give you a call to go over it and begin getting you the defense you need to protect your career.

Group fitness instructor insurance is low cost and high benefit.

At CPH & Associates, our policies start at $82. This yearly premium provides quite a bit of coverage. Here’s a breakdown:

• The policy is occurrence form (lifetime) coverage.
• It includes unlimited defense coverage.
• We offer $1,000,000 per occurrence (per incident) and either $3,000,000 or $6,000,000 aggregate (total for the year).
• Our carrier is rated A++ rated for Financial Stability by A.M. Best Co. (A++ rated is the highest of ratings that can be received).
• Portable coverage—meaning it follows your certification – wherever you are allowed to train under your certification, you are covered.
• Premises Liability Coverage is included—it covers you for injuries while instructing.
• We offer optional comprehensive General Liability (slip and fall) Coverage. This coverage protects you if an accident happens to someone even if the class isn’t taking place.
• Sexual Misconduct Expense Coverage is included as well as Loss of Earnings coverage.

In the end, taking out your own group fitness instructor insurance policy is really about not having to think about the coverage you may or may not have. It’s knowing you’re covered, and focusing on what you do best: being a #BollyXRockstar.

About the Contributor: Fitness and Wellness Professionals across the country trust CPH & Associates for their professional liability insurance. CPH provides peace of mind, so that you can focus on providing high quality services without worrying about the safety of your career. CPH has harnessed the power of technology to create a user-friendly experience, so protecting your career is just a few clicks away!