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Our fitness instructor program is designed to 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 a non-exempt
- Instruction of sports skills activitiesemployee 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 Premise Rented to You
- Personal and Advertising Injury     - Medical Expense (other than participants)
- Bodily Injury to Participants Liability-Abuse, Molestation or Exploitation
Defense Cost Reimbursement

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

- Abuse, molestation or exploitation- Sale or distribution of medicinal, herbal and/or nutritional
- Any adult-themed parties/meetings/trips, including but not
limited to parties/meetings/trips during which demonstration-Sexually transmitted disease

of products and/or services used in the adult entertainment
​Silica or silica-related dust

industry takes place-​Specified recreational vehicles and activities-Aircraft/hot-air
​-Asbestos-balloon, Airport, Amusement devices: The ownership, 
- Cap on losses from certified acts of terrorismoperation, maintenance or use of any device or equipment
- Commercial general liability standard exclusions
a person rides for enjoyment, including, but not limited to:
(CG0001 4/13 edition)mechanical or non-mechanical ride, slide or water slide
-Communicable diseases(including any ski or tow when used in conjunction with a 
-Cryogenic chambers/therapywater slide), inflatable recreational device, or vertical device
Cyber incident, data compromise, and violation of statutesor equipment used for climbing whether permanently 

​related to personal data
​affixed or temporarily erected. This exclusion does not apply
​Cycling (other than stationary)
​video games or computer games or to any device that is 
​Employment related practices
​specifically designed for the training or instruction of an 
​activity for which you are enrolled, Animal, Bungee, Dunk
​Fitness/exercise operations related in whole or part, to 
​tank, Haunted attraction, Performer, Rodeo, Saddle animal,

​perform as an exotic dancer or any similar occupation in the

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

​sports facility

​Physicals/stress testing
​Physical therapy, massage or salon services