This insurance program has been specifically designed to meet the unique needs of U.S.-based personal training, exercise, aerobic or yoga/pilates instructor who works on an independent contractor basis and is directly supervising individual or group engaged in fitness and exercise activities.

Now Available: One AND Two Year Coverage Terms!

ELIGIBLE OPERATIONS
Instructors 18 or older that conduct private or group instruction for the following:
Aerobics Aquatic exercise Cardio kickboxing Children's fitness programs Dance Exercise Fitness bootcamp		Gyrotonic Personal training Pilates Spinning Strength Tai Chi Yoga
Ineligible Operations:
Certified athletic trainers Coaching of competitive athletics Instruction of sports skills activities* Instructors based outside of U.S.		Instructors under the age of 18 Stroller based fitness instructors Physical education teachers working in a private or public school/university/college
* If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program.

LIABILITY COVERAGE
Commercial general liability coverage protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, personal and advertising injury, legal liability to participants and professional liability. No deductible applies to liability claims.
General Liability
Bodily Injury & Property Damage Products-completed Operations Personal and Advertising Injury Legal Liability to Participants	Professional Liability Damage to Premise Rented to You Medical Expense
NOTABLE EXCLUSIONS
The following exclusionary endorsements are part of the policy providing coverage for this program:
Amusement devices Asbestos Abuse or molestation Dietician services E-commerce consulting Employment-related practices Fireworks Fungi or bacteria Lead Management or operation of fitness facility* Media appearances & publications Medical, therapy or health care services Nuclear energy	Physicals/stress testing Physical therapy, massage or salon services Pollution Speaking engagements Training programs for law enforcement, public safety and military personnel Sale or distribution of herbal, medicinal or nutritional products Those activities listed as ineligible Weight control programs
* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.
K&K BENEFITS
Experienced & professional staff dedicated exclusively to servicing the K&K Fitness Instructors Program Active participation in industry trade shows and meetings Advertising presence in industry trade publications Over 50 years of experience providing sports, leisure and entertainment insurance	In-house underwriting, policy administration and claims services 24-hour emergency phone service