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Fitness Instructors


This insurance program has been specifically designed to meet the unique needs of a U.S.-based personal training, exercise,
aerobic or 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.  Instructors teaching yoga exclusively can obtain lower rates through
our Yoga Instructor Program.
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.  

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
-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
Ineligible Operations:

Certain operations are not eligible for coverage by this program. K&K reserves 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.
General Liability
-Bodily Injury & Property Damage -Professional Liability
-Products-completed Operations-Damage to Premise Rented to You
-Personal and Advertising Injury    -Medical Expense (other than participant)
-Legal Liability to Participants-Abuse, Molestation, Harassment or Sexual Conduct
Defense Cost Reimbursement

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

-Abuse, molestation, harassment, or sexual conduct           -Operation, ownership or management of a fitness,
-Amusement devices (e.g.: rides, slides, inflatables,dance or sports facility
bungees, climbing walls, dunk tanks-Physicals/stress testing
​-Communicable Diseases (effective 7/1/20 and after)​-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-Training programs for law enforcement, public safety and
-Instruction/activities held on or in open watermilitary personnel
(e.g.: lakes, ponds, ocean)-Those operations listed as ineligible
-Medical, therapy or health care services-Violation of statutes that govern e-mails, faxes, phone call
or other methods of sending materials or information
* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.