Health and fitness are at the center of Canadian values. Whether it’s running outside, heading to the gym, taking a hike, or going for a swim, the importance of being active is evident. As an aerobics instructor, you play an important role in the exercise journey of Canadians. Regardless if you teach online classes or plan to head back into the studio, aerobics instructor insurance should be a top priority to protect your personal assets and/or business.
Why is Aerobics Instructor Insurance Important?
With any exercise you do, there is a risk for injury. When you are teaching your clients in the studio, you can correct improper movements and bad forms to reduce injury risks. However, in a virtual setting, it’s a lot more difficult to help your clients make form adjustments.
Without proper guidance, there are possibilities of:
- Improper exercise forms that cause client injuries such as pulled muscles and sprains.
- Risks of overexercising which can cause loss of breath, dizziness, and discomfort.
- Improper use of aerobics exercise equipment which leads to client injuries.
If you operate a studio or use equipment, you also are at risk of:
- Property damage to your studio, exercise equipment, and office equipment because of natural disasters, extreme weather, and theft.
With proper aerobics instructor insurance, your business is protected from liability and claims.
What is Included in Aerobics Instructor Insurance?
Commercial General Liability Insurance – Also known as CGL insurance, commercial general liability insurance provides coverage for bodily injury and property damage arising from the operations of your aerobics business.
Commercial Property Insurance – Protects your property from damages and losses resulting from theft, fires, lightning, earthquakes, floods, windstorms, etc. Whether you operate a studio or host online lessons, commercial property insurance ensures that the replacement and repair costs of your studio and equipment are covered.
Cyber Liability Insurance – Whether you rely on technology to host virtual classes or use it in your studio to host your website, payment, and scheduling process, your business is vulnerable to a cyberattack. Hackers can steal your or your clients’ information, close your payment system, shut down your website, etc. Cyber liability insurance covers the cost of data recovery, legal fees, hardware replacements, ransomware fees, business interruptions, etc.
You can also purchase aerobics instructor insurance online for your business, such as Online Health & Fitness Facility Insurance, Online Health, Wellness & Fitness Liability Insurance, or Online Cyber Liability Insurance to protect you and your clients every step of the way.
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