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Our Fitness Instructor Program is designed for U.S. -based personal training, exercise, aerobic or Pilates instructors directly supervising
an individual or group engaged in fitness and exercise activities.  Coverage is provided by a carrier rated A or better 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- Hoop fitness
- Acro dance-Personal training
- Aerial/anti-gravity/suspended yoga- Pilates
(certified instructors only)
- Pound® 
- Aerobics
- Qigong 
- Aquatic exercise 
- Cardio kickboxing
- Strength
-Children's fitness programs - Tai Chi
-Dance-​Tumbling (floor only, no gymnastic apparatus)

Ineligible Operations:
Certain operations are not eligible for coverage by this program.  We reserve 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.

Coverage includes incidental virtual training provided by fitness instructors to their clients. The policy provides coverage for instruction under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through
a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training
material that is accessible to the general public.

We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to:
health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with
their attorney to consider special waiver/release agreements that will apply specifically to virtual training. 

Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting
(including pyramids), or in-water activities.
  We do not provide coverage for cyber liability, so if you are taking payment or collecting personal
information online and it is compromised, there would be no coverage under the general liability policy.

General Liability
- Bodily Injury & Property Damage  - Professional Liability
- Products-completed Operations - Damage to Premises Rented to You
- Personal and Advertising Injury     - Medical Expense (other than participants)
- Bodily Injury to Participants Liability
-Abuse, Molestation or Exploitation
Defense Cost Reimbursement (up to $100,000)

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

- Abuse, molestation or exploitation        - Physicals/stress testing 
​Any adult-themed parties/meetings/trips, including but not 
Physical therapy, massage or salon services 

​limited to parties/meetings/trips during which demonstration of
-​Sale or distribution of herbal, medicinal and/or

​products and/or services used in the adult entertainment industry

​nutritional products​

​takes place
​Sexually transmitted disease
- Asbestos
​Silica or silica-related dust
​Cap on losses from certified acts of terrorism
-​​Specified recreational vehicles and activities-Aircraft/hot air
​Commercial general liability standard exclusions
​balloon, Airport, Amusement devices: the ownership, operation,

(CG0001 4/13 edition)

maintenance or use of any device or equipment a person rides
​-​Communicable Diseases
for enjoyment, including, but not limited to: mechanical or 
​-​Cryogenic chambers/therapy

non-mechanical ride, slide or water slide (including any ski or
​Cyber incident, data compromise and violation of statutes
​tow used in conjunction with a water slide), inflatable recreational

​related to personal data
​device, or vertical device or equipment used for climbing whether
​-​Cycling (other than stationary)

permanently affixed or temporarily erected. This exclusion does
- Employment-related practices not apply to video or computer games or to any device that is
​specifically designed for the training or instruction of an activity
​Fitness/exercise operations related in whole or part, to 
​for which you are enrolled, Animal, Bungee, Dunk tank, Haunted

​performance as an exotic dancer or any similar occupation in the
attraction, Performer, Rodeo, Saddle animal, Snowmobile

​adult entertainment industry
-​​Those operations listed as ineligible
Fungi or bacteria
-​​Total pollution with a building heating, cooling & dehumidifying
Instruction/activities held on or in open water
equipment exception and hostile fire exception
-​Training programs for law enforcement, public safety
Medical, therapy or health care services
and military personnel
Nuclear energy
​Unmanned aircraft
Operation, ownership or management of a fitness,

dance or sports facility

* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.