The Importance Of Aerobic Instructor InsuranceAs an aerobic instructor, you might be wondering why you need aerobic instructor insurance. As far as policies go, this insurance covers you for things that could go wrong. Every single time you train or consult with clients or potential clients, you have entered an area of risk. Because you are a professional, you need to make sure you are covered for loss prevention every day. The only way to do this is to purchase aerobic instructor insurance. If you work for a club, you probably have coverage under their commercial policy because you are an employee of that club. They should definitely have coverage that takes care of their personal trainers and aerobics instructors. If you choose to do work outside of the club, however, regardless of doing work as an aerobics instructor, you will need to purchase your own liability insurance. Your club's insurance policy cannot cover you outside of their domain. You should always have every person you provide services to sign a waiver which is your first line of defense. This will protect you from being sued due to something happening that was a reasonably foreseeable circumstance at the time they sign the waiver. For instance, they can't sue you because they took an aerobics class and ended up twisting an ankle during the session. If something worse than that goes on, a lawyer will be brought in because angry people bring lawyers. If that happens, you better be covered by insurance because lawsuits are expensive. Usually, if it reaches this point, the lawyer can successfully argue that whatever injury the client received was not something that your client could have known about prior to the session. When this happens, you will be held responsible. This is what your aerobic instructor insurance is for. It's important for your coverage that you keep records of those client sessions you hold that will fall under your policy. You have to be able to prove you provided a fitness assessment. You should also be able to prove you were made aware of any health problems your client may have previously had. You need to know if they have any issues they think an aerobic session with you would aggravate such as heart problems or back problems. Aerobic instructor insurance can cover injuries, but if they let you know beforehand they have issues with these areas, it is likely you won't have to pay for problems in the future. Your aerobic instructor insurance will protect you from issues, but you have to cover yourself as well. |