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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.   

                           
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-Stroller based fitness instructors
-Dance-Tai Chi
-Exercise-Tumbling (floor only, no gymnastic apparatus)
-Fitness bootcamp-Yoga
-GYROTONIC ® - ZUMBA ®
 
Ineligible Operations:

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.        
 
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, or omission 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 participant)
-Bodily Injury to Participants Liability-Abuse, Molestation or Exploitation
Defense Cost Reimbursement
Exclusions

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

 
-Abuse, molestation or exploitation        -Physicals/stress testing
-Amusement devices (e.g.: rides, slides, inflatables,-Physical therapy, massage or salon services
bungees, climbing walls, dunk tanks)-Sale or distribution of herbal medicinal and/or
​-Communicable Diseases nutritional products
-​Cryogenic chambers/therapy-​Sexually transmitted diseases
​-​Cyber incident, data compromise and violation of statutes-​​Silica or silica-related dust
​related to personal data-​Those operations listed as ineligible
-Cycling (other than stationary)-​Total pollution with a building heating, cooling and dehumidifying
​-​Employment-related practices​equipment exception and hostile fire exception
-​Instruction/activities held on or in open water-​Training programs for law enforcement, public safety and
(e.g.: lakes, ponds, ocean)military personnel
-Medical, therapy or health care services-Unmanned aircraft
-Operation, ownership or management of a fitness,
dance or sports facility
 
* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.