ACE Group Fitness Instructor Practice Exam

Which of the following would be covered by professional liability insurance?

1. An injury to a participant who lost his balance during a yoga pose

2. A participant feeling fatigued after class

3. Instructors giving unsolicited advice during workouts

4. Equipment malfunction not reported by the instructor

The correct answer is: An injury to a participant who lost his balance during a yoga pose

Professional liability insurance is designed to protect fitness instructors in situations where they may be held liable for injuries or damages resulting from their professional services. This type of insurance covers claims arising from negligence, errors, or omissions in the course of providing those services. In the context of the provided options, an injury to a participant who lost his balance during a yoga pose falls under the scope of professional liability insurance. This scenario may involve a claim that relates to how the instructor led the class, including their instructions, supervision, and adherence to safety protocols. If the instructor did not provide adequate guidance or if there were other aspects of negligence involved, liability insurance would cover the legal defenses or settlements related to such claims. The other scenarios do not typically fall under professional liability coverage. For instance, feeling fatigued after class is generally considered a normal response to physical activity and does not imply negligence on the instructor's part. Unsolicited advice, while potentially awkward or inappropriate, is unlikely to lead to a liability claim unless it results in a specific injury or harm tied directly to the advice given. Lastly, an equipment malfunction that was not reported by the instructor may be viewed more as a property or equipment claim rather than a professional liability issue, depending on the circumstances surrounding the