Group Fitness Instructor

Answer: C - Professional liability insurance would provide coverage for the instructor in the event a class member is injured and seeks damages. Similar to malpractice insurance, professional liability insurance addresses any injury that occurs as a result of the instructor’s directions or demonstrations. In contrast, premises liability insurance protects the facility in the event that someone is injured while on site, say by slipping on the deck of the pool. Worker’s compensation provides coverage for the instructor, not the client, in the event the instructor is injured during work hours.