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Fitness Instructors


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NOW AVAILABLE - Buy Coverage On-line! Limits from $500,000 to $5,000,000 available.

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This insurance program has been specifically designed to meet the unique needs of a U.S.-based personal training, exercise, aerobic or yoga/pilates instructor directly supervising an individual or group engaged in fitness and exercise activities.  Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Eligible Operations

 
An instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program:
- Aerobics - Personal training
- Aquatic exercise - Pilates
- Cardio kickboxing - Qigong
- Children's fitness programs - Spinning
- Dance - Strength
- Exercise - Stroller based fitness instructors
- Fitness bootcamp - Tai Chi
- GYROTONIC ® - Yoga
- Hoop Fitness - ZUMBA ®
 
Ineligible Operations:

Certain operations are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):

- Acrobatic/partner yoga instructors - Instructors under the age of 18
- Certified athletic trainers - Instructor's employment as an exempt or non-exempt
- Coaching of organized competitive athletic teams employee of a school, university or college
- Instruction of sports skills activities* Cycling (other than stationary)
- Instructors operating outside of U.S. - Instruction/activities held on or in open water
* If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program.        
 
Liability Coverage
 
General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your fitness instruction activities. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of fitness activities) that occur as a result of your instruction activities.
General Liability
- Bodily Injury & Property Damage  - Professional Liability
- Products-completed Operations - Damage to Premise Rented to You
- Personal and Advertising Injury     - Medical Expense (other than participant)
- Legal Liability to Participants - Abuse, Molestation, Harassment or Sexual Conduct
Defense Cost Reimbursement
Exclusions

The following exclusionary endorsements are part of the policy providing coverage for this program: 

 
- Abuse, molestation, harassment, or sexual conduct            - Physical therapy, massage or salon services
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Amusement devices (e.g.: rides, slides, inflatables,

- Sale or distribution of herbal medicinal and/or
bungees, climbing walls, dunk tanks)  nutritional products
- Employment-related practices - Training programs for law enforcement, public safety and
- Medical, therapy or health care services military personnel
- Operation, ownership or management of a fitness, - Those operations listed as ineligible
dance or sports facility - Violation of statutes that govern e-mails, faxes, phone call
- Physicals/stress testing or other methods of sending materials or information
- Weight control programs
 
* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.