As a fitness trainer or aerobics instructor, you offer your clients the opportunity to improve their health and their lives by getting in shape. With your support, your clients meet new personal bests and weight-loss goals. Through boot camps, body pump, water aerobics, and other fitness programs, your clients learn why fitness is central to balanced and confident living.

But regardless of whether you work in a gym, a health club, clients' homes, or your own fitness studio, offering your services comes with certain risks. If you own your fitness tools and supplies, such as free weights, mats, steps, fitness bands, and sound equipment, you run the risk of having your property lost, damaged, or stolen. Then there are malpractice lawsuits to think about. What happens when you fail to notice that your student's lifting form is wrong and they injure their back? You could be hit with a devastating lawsuit for the losses they've suffered.

In order to protect yourself and your business, you need a safety net in case hard times arise. Policies that can be helpful for fitness instructors include…