Ok, I'm going to openly admit that this post is a little on the boring side, but it’s important! All of us LOVE teaching Zumba and of course do our best to make sure our students enjoy their classes and stay safe. The thing is you never know the complete history of your students health, how fit they are, how coordinated they are or how prone to injury they may be. This is why I decided to talk a little bit about group fitness instructor insurance this month.
According to the Journal of Strength and Conditioning the most common injuries in group fitness classes involve the back, knee or ankle. Many of these injuries disrupt the workout schedules of the injured and (this is where the insurance comes in) could potentially bring liability claims against the instructor.
So why do you need insurance? And what do you need to know?
· As an independent contractor you need your own policy that can move around with you depending on where you are teaching.
· Big box gyms carry insurance for their facility, but you still need to carry your own personal group fitness instructor policy.
· Your policy will protect you against bodily injury and property damage claims.
· In many cases policies also include professional and legal liability protection.
How do you get group fitness instructor insurance?
In many cases it’s as simple as filling out a form and purchasing online. There are plenty of companies out there offering coverage and like all other kinds of insurance they vary in price and coverage.
What provider should I use?
This of course is up to you and I would recommend that you do a little research to find the policy that fits your needs. Here are a few providers to check out:
· K&K Insurance (full disclosure this is the company I use)
So do a little research, choose a provider and get some coverage! It’s easy, relatively cheap for a year of coverage (mine was $154 last year), and will cover you should the worst happen. My policy is due to renew in a few weeks and I am quite happy to pay a little of my earnings for some peace of mind.
Have any of you needed to file a claim to your insurance company? How did it go? Any tips for the rest of us?