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  Glossary | Buy On-line


Our 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.


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
- Hoop fitness
- Acro dance- Personal training
- Aerial/anti-gravity/suspended yoga- Pilates
(certified instructors only)- POUND®
- Aerobics- Qigong 
- Aquatic exercise - SPINNING ®
- Cardio kickboxing- Strength
-Children's fitness programs - Tai Chi 
-Dance-​Tumbling (floor only, no gymnastic apparatus)
-​​ZUMBA ®

Ineligible Operations:
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 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.

Coverage includes incidental 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.

General Liability
- Bodily Injury & Property Damage  - Professional Liability
- Products-completed Operations - Damage to Premises Rented to You
- Personal and Advertising Injury     - Medical Expense (other than participants)
Bodily Injury to Participants Liability
-Abuse, Molestation or Exploitation

Defense Cost Reimbursement (up to $100,000)
The following exclusionary endorsements are part of the policy providing coverage for this program: 
- Abuse, molestation or exploitation
- Physicals/stress testing
​Any adult-themed parties/meetings/trips, including but not
Physical therapy, massage or salon services

​limited to parties/meetings/trips during which demonstration
Sale or distribution of herbal, medicinal and/or

​of products and/or services used inthe adult entertainment
​​nutritional products

​industry takes place
-​​Sexually transmitted diseases
​Silica or silica-related dust
​Cap on losses from certified acts of terrorism
​Specified recreational vehicles and activities - Aircraft/hot air
​Commercial general liability standard exclusions
​balloon, Airport, Amusement devices: the ownership, operation

​(CG0001 4/13 edition)
​maintenance or use of any device or equipment a person rides
​Communicable diseases
​for enjoyment, including, but not limited to: mechanical
​Cryogenic chambers/therapy
​or non-mechanical ride, slide or water slide (including any ski
- Cyber incident, data compromise and violation of statutes

or tow when used in conjunction with a water slide), inflatable
related to personal data

recreational device, or vertical device or eqiupment used for
​-Cycling (other than stationary)
climbing whether permanently affixed or temporarily erected.
-​Employment-related practices

This exclusion does not apply to video or computer games or

to any device that is specifically designed for the training or
- Fitness/exercise operations related in whole or part, to perform
instruction of an activity for which you are enrolled, Animal,

as an exotic dancer or any similar occupation in the adult

Bungee, Dunk tank, Haunted attraction, Performer, Rodeo,
entertainment industry

Saddle animal, Snowmobile
-Fungi or bacteria
​Those operations listed as ineligible
-Instruction/activities held on or in open water
Total pollution with a building heating, cooling & dehumidifying
equipment exception and hostile fire exception
​Medical, therapy or health care services
Training programs for law enforcement, public safety
​Nuclear energy
and military personnel
​Operation, ownership or management of a fitness, dance or
​Unmanned aircraft

​sports facility