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.
We're happy to advise that coverage includes 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.
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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 | - | 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 | | | | - | ZUMBA
® | | | | 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. | | |
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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) |
| - | Legal Liability to Participants | - | Abuse, Molestation, Harassment or Sexual Conduct | | | | Defense Cost Reimbursement (up to $100,000) |
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Exclusions |
The following exclusionary endorsements are part of the policy providing coverage for this program: |
| - | Abuse, molestation, harassment, or sexual conduct | - | Physicals/stress testing | | - | Amusement devices (e.g.: rides, slides, inflatables, | - | Physical therapy, massage or salon services | | bungees, climbing walls, dunk tanks) | - | Sale or distribution of herbal, medicinal and/or | | - | Communicable Diseases | | nutritional products | | - | Cryogenic chambers/therapy | - | Those operations listed as ineligible | | - | Cycling (other than stationary) | - | Training programs for law enforcement, public safety | | - | Employment-related practices | | and military personnel | | - | Instruction/activities held on or in open water | - | Violation of statutes that govern e-mails, faxes, phone calls | | (e.g.: lakes, ponds, ocean)- | | or other methods of sending materials or information | | - | Medical, therapy or health care services | | | | - | Operation, ownership or management of a fitness, | | | | dance or sports facility | | | | | | | |
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| * For information regarding coverage for a fitness facility, visit our
Health & Fitness Facility Program. |