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Sports Instructors



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.

One and Two Year Coverage Terms Available!
Eligible Operations

A U.S.-based 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
- Hockey - Wrestling
* If your risk doesn't fit the eligibility of this program, please contact K&K at 1-800-506-4856.
**For instruction of dance only, please visit www.fitnessinsurance-kk.com for dance instructor coverage.

Ineligible for this program:

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 a non-exempt
         employee of a school, university or college
Instruction of the following activities:  
- Canoeing - Lifeguarding
- Cycling - Martial arts
- Diving - Rowing
- Equestrian - Scuba diving
- Gymnastics - Skiing
- Kayaking - Surfing
* For more information regarding coverage for a sports facility, contact one of our K&K marketing representatives at
1-800-440-5580 or view our Venues 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 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 Premise Rented to You
- Personal and Advertising Injury - Medical Expense (Other than participants)
- Legal Liability to Participants    


- Abuse, molestation, harassment, or sexual conduct - Operation, ownership or management of a commercial
- Amusement devices (e.g.: rides, slides, inflatables, sports facility
bungees, climbing walls, dunk tanks) - Physicals/stress testing
​-​Cryogenic chambers/therapy​-​Physical therapy, massage or salon services
​-​Cycling (other than stationary)​-​Sale or distribution of herbal, medicinal
- Employment-related practices and/or nutritional products
- Instruction/activities being held on or in open water - Those operations listed as ineligible
(e.g.: lakes, ponds, ocean) - Violation of statutes that govern e-mails, faxes, phone call
- Medical, therapy or health care services or other methods of sending materials or information.