ACE Group Fitness Instructor Practice Exam

If a fitness participant is injured during a class, which type of insurance protects the instructor from legal claims?

1. Health Insurance

2. Workers' Compensation

3. Professional Liability Insurance

4. General Liability Insurance

The correct answer is: Professional Liability Insurance

Professional Liability Insurance is designed specifically to protect fitness instructors and other professionals from claims arising out of their professional services. This type of insurance provides coverage for legal claims that may occur if a participant alleges that the instructor's negligence, errors, or omissions led to their injury. In the context of a fitness instructor, this insurance is vital because it can cover legal defense costs and any settlements or judgments that may arise from such claims. This is particularly important in fitness settings where the physical nature of activities increases the potential for injury. While health insurance, workers' compensation, and general liability insurance are important components of overall risk management, they address different aspects of coverage. Health insurance generally covers medical expenses for the individual, workers' compensation is designed to cover employees for work-related injuries (not applicable to independent instructors or cases involving clients), and general liability insurance typically covers third-party bodily injuries or property damage that occur on the premises. However, they do not specifically protect fitness instructors against claims related to their professional conduct or advice provided in a fitness setting, making professional liability insurance the most relevant form of protection in this scenario.