This insurance program has been specifically designed to meet the unique needs of 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.
IMPORTANT PROGRAM CHANGE: As of 3/1/20, covered operations under this program now includes virtual training/instruction under your direct supervision or organized by you (you = the named insured on the policy). The intent of this wording is to provide coverage for operations that involve live online streaming/real-time instruction with your clients/members via the internet. The instructor should be able to communicate visually and verbally with the participants at all times during instruction. Recorded training sessions of covered sports/activities are also approved provided that ONLY your registered members/clients have access.
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 online streaming/real-time instruction.
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. The policy is not intended to extend to online streaming/real-time instruction or recorded videos/sessions that are accessible by the general public/non-members. 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.