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This insurance program has been specifically designed to meet the unique needs of a U.S. based sports instructor directly supervising an
individual or a group engaged in sports-related skills.

We're happy to advise that coverage does extend to incidental virtual training provided by you (the named insured) to your clients. The intention of the
policy is to provide coverage for instruction/training 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.  

Eligible Operations

An instructor age 18 or older conducting private or group instruction in any of the following:


- Baseball - Lacrosse
- Basketball - Racquetball
- Baton twirling - Road running
- Bowling - Soccer
- Cheerleading - Softball
- Cross Country - Swimming
- Dance** - Table tennis
- Fencing - Tennis
- Figure skating - Track & field
- Football - Tumbling (floor only, no gymnastic apparatus)
- Golf - Volleyball
    - Gymnastics***  - Wrestling
​    -​Hockey
* If your risk doesn't fit the eligibility of this program, please contact us.
**For instruction of dance only, please visit our dance instructor page.
​***$1,000,000 occurrence limit only. Not available for purchase online. Submit PDF application.

Ineligible for this program:

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 coverage):

- Certified athletic trainers - Instructor's employment as an exempt or a non-exempt
- Coaching of organized competitive athletic teams employee of a school,  university or college
- Instructors under the age of 18
Instruction of the following activities:  
- Canoeing - Lifeguarding
- Cycling - Martial Arts
- Diving - Rowing
- Equestrian - Scuba diving
- Kayaking - Skiing
- Surfing
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 sports-related skills instruction. 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 sports-related skills instruction) that occur as a result
of your instruction.

General Liability
- Bodily Injury & Property Damage - Professional Liability
- Products-completed Operations - Damage to Premises Rented to You
- Personal and Advertising Injury - Medical Expense Limit (other than participants)
- Legal Liability to Participants    


- Abuse, molestation, harassment, or sexual abuse - Operation, ownership or management of a commercial
- Amusement devices (e.g. rides, slides, inflatables, sports facility
climbing walls, bungees, and dunk tanks) - Physicals/stress testing
​-​Communicable Diseases​-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​-Those operations listed as ineligible
- Instruction/activities being 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