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Why do I need insurance as a fitness or dance instructor?

Whether it’s helping an individual client reach their personal fitness goals or choreographing a winning number for a national dance competition, fitness instructors put in a lot of time to make their clients successful. Similarly, fitness/dance instructor insurance makes the instructor successful by providing protection against unpredictable risks. American Specialty Express makes buying insurance quick, painless, and simple, providing coverage for every burpee, bench press, and box step.


The following information is offered as a snapshot of the coverages provided through the American Specialty Express fitness/dance instructor insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.

What are some parameters for this type of coverage?

Insurance for fitness & dance instructors provides liability protection in case of a participant injury. Coverage is available for large group or class instructors as well as for one-on-one instructors. Policies include annual limits up to $3,000,000 with options for a worldwide coverage endorsement to cover instruction taking place outside of the U.S. (i.e. yoga instruction on a cruise ship). There is no additional charge for obtaining certificates of insurance, including additional insured status, and policy details can be viewed at any time.

What are general examples of when this coverage would be used?

  1. All the participants are quickly catching on to the Zumba class music and moves. Just minutes before the cool down, a woman nearly trips on her shoelace and bends down to tie it. She does not move to the side of the room, though, and causes several other class members to run into each other. Most participants escape with minor bruises, but one person fractures her wrist. She incurs significant medical bills and misses time from work. She demands the instructor pay the medical bills and lost wages, alleging the class should have been warned that if you stop in the middle of class, you could injure your fellow Zumba participants. With a policy in place from American Specialty Express, the claim is quickly forwarded and taken care of by an expert adjuster.
  2. During a private lesson, including some particularly challenging skills, an elite level dancer lands a jump incorrectly. The dancer suffers a severe knee injury resulting in surgery and physical therapy. Her parents hire an attorney, and two months later the instructor is holding a request for reimbursement of $60,000 worth of medical bills. The dance instructor is thankful for her insurance coverage through American Specialty Express and forwards the claim to a team of specialists.

How can I obtain more information?

Have some questions that need additional clarification? Please do not hesitate to contact us! Call us, chat with us online, or send us an email. Technology is great, but our fitness/dance instructor insurance program is provided by real people with real advice and a real desire to help. Contact us today!

What makes Express stand out?

American Specialty Express delivers the ability to instantly quote and buy affordable insurance coverage from a team of industry experts. Additionally, Express offers the luxury of returning to your account anytime you want. Coverage can be in effect the day after purchase and provides all the needed documents online. Once coverage is bound, eligible additional insureds can be added for no additional cost! The necessary steps to add an additional insured, review coverage parameters, or report a claim can be completed in just minutes. Need a copy of the policy? Get online anytime to print a copy of the insurance policy or access a certificate of insurance. No one plans for something to go wrong as a fitness or dance instructor, but if it does we provide an easy, hassle-free process to report and manage the claims.

So what's next? Time to purchase your Fitness & Dance Instructors Insurance!

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Our team has been trusted by the biggest sports and entertainment organizations for 30+ years. American Specialty Express makes the same expertise available to all clients.