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  Glossary | Buy On-line

 


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NOW AVAILABLE - Buy Coverage On-line!
 Liability limits of $500,000 to $5,000,000 (per occurrence) are available online.
                             
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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.

One and Two Year Coverage Terms Available!
 
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 gymnastics apparatus)
- Golf - Volleyball
- Hockey - Wrestling
          
* 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.
 

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 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
 
   
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 (other than participants)
- Legal Liability to Participants    
 

Exclusions

 
- Abuse, molestation, harassment, or sexual conduct - 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
​-​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 calls
- Medical, therapy or health care services or other methods of sending materials or information.