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NOW AVAILABLE - Buy Coverage On-line!
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| Eligible Operations |
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| An instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program: |
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Aerobics |
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Personal training |
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Aquatic exercise |
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Pilates |
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Cardio kickboxing |
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Spinning |
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Children's fitness programs |
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Strength |
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Dance |
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Stroller based fitness instructors |
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Exercise |
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Tai Chi |
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Fitness bootcamp |
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Yoga |
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GYROTONIC ® |
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ZUMBA ® |
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| Ineligible Operations: |
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This program not available for: |
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Certified athletic trainers |
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Instructors under the age of 18 |
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Coaching of competitive athletics |
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Physical education teachers working in a private or public |
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Instruction of sports skills activities* |
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school/university/college |
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Instructors operating outside of U.S. |
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| * If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program. |
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Liability Coverage |
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| 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 |
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Bodily Injury & Property Damage |
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Professional Liability |
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Products-completed Operations |
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Damage to Premise Rented to You |
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Personal and Advertising Injury |
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Medical Expense |
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Legal Liability to Participants |
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| Exclusions |
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The following exclusionary endorsements are part of the policy providing coverage for this program: |
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Abuse, molestation, harassment, or sexual conduct |
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Physicals/stress testing |
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Amusement devices (e.g.: rides, slides, inflatables, bungees, climbing walls, dunk tanks) |
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Physical therapy, massage or salon services |
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Dietician services |
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Sale or distribution of herbal medicinal and/or nutritional products |
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E-commerce consulting |
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Speaking engagements |
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Employment-related practices |
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Training programs for law enforcement, public safety and military personnel |
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Media publications |
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Those operations listed as ineligible |
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Medical, therapy or health care services |
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Weight control programs |
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Operation, ownership or management of a fitness, dance or sports facility |
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