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Fitness Instructors


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

A U.S.-based instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program:
- Acrobatic/partner yoga - GYROTONIC ®
- Acro dance/tumbling - Hoop Fitness
- Aerial/anti-gravity/suspended yoga - Personal training
(certified instructors only) - Pilates
- Aerobics - Qigong
- Aquatic exercise - Spinning
- Cardio kickboxing - Strength
- Children's fitness programs - Stroller based fitness instructors
- Dance - Tai Chi
- Exercise - Tumbling (floor only, no gymnastic apparatus)
- Fitness bootcamp - Yoga
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):

- Certified athletic trainers - Instructors under the age of 18
- Coaching of organized competitive athletic teams - Instructor's employment as an exempt or non-exempt
- Instruction of sports skills activities* employee of a school, university or college
* 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

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

- Abuse, molestation, harassment, or sexual conduct          

Amusement devices (e.g.: rides, slides, inflatables,

- Physicals/stress testing
bungees, climbing walls, dunk tanks)  - Physical therapy, massage or salon services
- Cryogenic chambers/therapy - Sale or distribution of herbal medicinal and/or
- Cycling (other than stationary) nutritional products
- Employment-related practices - Training programs for law enforcement, public safety and
- Instruction/activities held on or in open water military personnel
(e.g.: lakes, ponds, ocean) - Those operations listed as ineligible
- Medical, therapy or health care services - Violation of statutes that govern e-mails, faxes, phone call
- Operation, ownership or management of a fitness, or other methods of sending materials or information
dance or sports facility
* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.