Aqua Fit
Liability Insurance.
Our Aqua Fit Liability Insurance provides necessary protection for aqua fitness instructors, assuring you can focus on leading safe and effective water-based workouts. Whether you're guiding high-energy water aerobics or low-impact rehabilitation exercises, this insurance covers the unique risks associated with teaching in aquatic environments. From slip-and-fall accidents on wet surfaces to injuries caused by water resistance equipment, our coverage helps safeguard you from legal claims, giving you peace of mind while you support your clients’ fitness journeys.
Our instructor insurance plans are affordable, flexible, and designed specifically for Aqua Fit professionals. Our insurance offers a wide range of coverage options tailored to the needs of instructors who work in pools, recreation centers, or private training facilities. Explore our policies to find the perfect fit for your practice and teach with confidence, knowing you're protected.
Aqua Fit Liability Insurance Cost
$169 - 1 Year
Our aqua fit liability insurance policy is tailored by years of experience just for aqua fit professionals. We provide perks and benefits for aqua fit services that other professional liability and other insurance providers and companies just don't - like free CEs, coverage for multiple modalities, more than 500 modalities and disciplines, and more.
$159 - Part-Time
Work fewer hours? Pay lower rates. This aqua fit liability insurance policy is designed for fitness professionals and bodywork professionals who work fewer than 10 hands-on hours per week but still want high-quality massage insurance coverage.
$299 - 2 Year
Protect yourself with our two-year aqua fit insurance plus liability insurance policy that saves you $39 over the course of your membership. You get all the same perks and member benefits as our standard applied aqua fit coverage policy and don't have to worry about a lapse in coverage for two years.
Already insured & looking to renew?
What Our Aqua Fit Insurance Covers
Aqua fit insurance from MMIP provides both professional and general liability insurance, comprehensive coverage, and additional safeguards that provide the best all-around protection possible.
General Liability Insurance: This is also known as “slip and fall” insurance. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. A client tripping over a loose front door mat and injuring themselves is an example of an event that would fall under this coverage type.
$2,000,000 per occurrence, $3,000,000 per year
Professional Liability Insurance for massage therapists: Also called “malpractice coverage” or "public liability" this liability insurance protection is for the actual services you provide during a session. If a client reports an injury from your professional services, they may seek legal action to get compensation. These types of claims would fall under reflexology professional liability insurance.
$2,000,000 per occurrence, $3,000,000 per year (included with general liability)
Today’s applied aqua fit instructors are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way up to $25,000 in full identity theft protection and restoration services.
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 50 hours of FREE NCBTMB-approved online continuing education courses from Niel Asher Education.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Disciplines and Modalities We Cover
General And Professional Liability Limits
What is Aqua Fit?
Aqua Fit is a specialized form of fitness that combines aerobic exercise, strength training, and flexibility work—all performed in water. This low-impact workout takes advantage of water’s natural resistance to improve cardiovascular endurance, build muscle strength, and improve overall mobility. Aqua Fit classes range from high-intensity workouts to gentle aquatic therapy, making them suitable for all ages and fitness levels.
Because water reduces the strain on joints, Aqua Fit is especially beneficial for seniors, individuals recovering from injuries, and those with conditions like arthritis or chronic pain. It also provides a safer workout environment, minimizing the risk of falls and impact-related injuries. Instructors use a variety of equipment, including pool noodles, resistance gloves, and aqua dumbbells, to add intensity and variety to sessions.
Whether leading a fast-paced class or a therapeutic water session, Aqua Fit instructors play an important role in helping clients achieve their fitness goals safely and effectively.
Do I Need Aqua Fit Liability Insurance?
In some states, having aqua fit liability insurance might be a legal requirement to instruct aqua fit. The rules and regulations for instructor liability insurance can vary widely between jurisdictions.
Hear What Our Liability Insurance Members Have To Say
FAQs for Aqua Fit Liability Insurance
Why do Aqua Fit instructors need professional liability insurance?
Aqua Fit instructors work in water-based environments where fall accidents and client injuries occur. Professional liability insurance protects you if a client claims negligence or improper instruction led to an injury. Without coverage, you could be held liable for medical expenses, legal fees, and potential lawsuits, putting your financial future at risk.
Does this insurance cover fall accidents in and around the pool?
Yes. Wet surfaces increase the risk of clients slipping or a client falling, both inside and outside the swimming pool. Our policy covers medical bills, medical costs, and legal fees associated with such accidents, helping you focus on your classes without worrying about unexpected financial burdens.
Is there coverage for aerobics instructors and personal trainers who teach Aqua Fit?
Yes. This insurance is designed for aerobics instructors, personal trainers, and fitness professionals who lead water-based workouts. It confirms you’re covered with personal trainer insurance, whether you teach Aqua Fit, traditional aerobics, or stationary bike pool workouts.
Can I get instant coverage if I need insurance right away?
Absolutely! Our policies offer instant coverage, allowing you to buy online and start teaching with confidence. No long wait times—just professional policies designed to protect you from day one.
Does insurance help with financial assistance for legal claims?
Yes. If you face a lawsuit, our policy provides financial assistance to cover legal fees, medical expenses, and settlement costs, assuring you don’t have to drain your savings to protect your business.
Can I make monthly payments instead of paying for a full year upfront?
Yes! We offer monthly payments so you can choose a plan that fits your budget. Whether you need short-term coverage or a full year of protection, we have a solution for you.
Do students or new instructors need liability insurance?
Yes. Even if you’re a student or just starting out, liability insurance is important. It protects you from potential lawsuits and financial risks while gaining experience in the field.
How does this insurance protect my financial future?
Without personal trainer liability insurance or aerobics instructor insurance, one accident could lead to medical bills, legal fees, and settlement costs that threaten your financial future. Having the right coverage assures you can continue teaching worry-free.
