ACE Group Fitness Instructor Practice Exam

Which insurance policy provides coverage for instructors in the case of an injury while working?

1. Liability Insurance

2. Professional Liability Insurance

3. Worker's Compensation

4. Health Insurance

The correct answer is: Worker's Compensation

Worker's Compensation insurance provides coverage specifically for employees who sustain injuries or become ill while on the job. It is designed to cover medical expenses and a portion of lost wages that result from an injury sustained during the course of employment. This type of insurance is crucial for instructors, as it protects them financially and ensures they receive the necessary medical care without bearing the full cost personally. In the context of fitness instructors, Worker's Compensation serves to protect them if they are injured while performing their work duties, ensuring that they are supported during their recovery period. This coverage specifically applies to work-related injuries, which differentiates it from other types of insurance policies. Liability Insurance and Professional Liability Insurance are more focused on protecting the instructor from claims of negligence or malpractice related to their instructional duties, rather than covering their own injury expenses. Health Insurance provides coverage for medical expenses but does not specifically address work-related injuries.