Fitness Instructor Insurance
K&K's 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. Instructors teaching yoga exclusively can obtain lower rates through our Yoga Instructor Program.
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.
|A U.S.-based instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program: |
|-||Acro dance||-||Hoop Fitness|
|-||Aerial/anti-gravity/suspended yoga||-||Personal training|
|(certified instructors only)||-||Pilates|
|-||Aquatic exercise||-||SPINNING ®|
|-||Children's fitness programs||-||Stroller based fitness instructors|
|-||Exercise||-||Tumbling (floor only, no gymnastic apparatus)|
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. |
|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. |
|-||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 water||military 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.|