Hosting fitness classes outdoors is a great way to engage clients, but it also comes with unique liability risks. Here are some real-world incidents that could lead to claims:
- Slip & Fall Injuries – Uneven terrain, tree roots, or wet surfaces can lead to sprained ankles or broken wrists.
- Weather-Related Injuries – Heat exhaustion or heatstroke can occur without proper hydration and shade.
- Improper Exercise Instruction – Poor form on exercises like kettlebell swings can result in serious injuries.
- Inadequate Warm-Up/Cool-Down – Skipping warm-ups or cool-downs increases the risk of muscle strains.
- Equipment Malfunctions – A snapped resistance band can cause eye injuries or bruising.
- Collision Injuries – Participants running into each other during high-intensity drills can result in concussions.
- Lack of Supervision – Someone attempting an advanced move without guidance could get hurt.
- Medical Emergencies – Allergic reactions, heart attacks, or asthma attacks can happen unexpectedly.
- Property Damage – A participant’s phone or keys could be damaged due to negligence.
- Dog or Wildlife Incidents – Unleashed dogs or unexpected wildlife encounters can lead to bites or injuries.
We Have a Solution Just for Fitness Instructors!
We’ve set up a new program through Hiscox Insurance, which provides affordable general liability coverage for fitness instructors. Hiscox Insurance Company Inc. is rated ‘A’ (Excellent) by A.M. Best, ensuring top-tier coverage.
- General Liability coverage can be secured for approximately $400 per year, with a binder issued within one business day.
- We’ll also help with a portal for the administration of liability waivers.
- Coverage can extend to fill-in instructors, so you’re protected even when someone subs for you.
Protect yourself and your business while focusing on what you do best—helping clients reach their fitness goals!
Contact us today to secure your coverage!
