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Fitness Instructor (i.e. Personal Trainers & Yoga)

Personal Trainer and Yoga Instructor Insurance Program

A Liability Insurance Program Providing Protection from Lawsuits of bodily Injury and/or Property Damage

BUY FITNESS INSTRUCTOR INSURANCE

Who Qualifies for this Program ?

  • Certified Personal Trainers (Must upload evidence of certification for Accredited Rates)
  • Uncertified Personal Trainers (Non-Accredited Rates are double Accredited Rates)
  • Yoga Instructors (Accredited Rates available with at least 50 hours of yoga instruction experience)

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage Includes Suits Arising Out Of:

  • Injury or death of spectators
  • Injury or death of participants
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities necessary to conduct training
  • Ownership use or maintenance of fields or practice areas
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal punishment

Exclusions

Abuse or molestation (unless optional coverage is selected), aircraft, all acts of terrorism, asbestos liability, employment related practices, fungi and bacteria, hepatitis, HIV, HTVL, AIDS, transmissible spongiform encephalopathy, lead poisoning, nuclear energy liability, pyrotechnics activity, total pollution, violation of the CAN-SPAM act, war liability and liaility for occurrences prior to the effective date of coverage. All of the above are subject to the terms and conditions of the policy.

Please note the following ineligible activities:

  • Certified High School / College Athletic Trainers
  • Coaching of Competitive Athletics
  • Instructors under the age of 18
  • Instructors based outside of the U.S.
  • Physical Education Teachers working within the school systems

Carrier

The general liability coverage is provided by U.S. Fire Insurance Company, “A” (Excellent) rated by A.M. Best Company.

Premiums

  • $1,000,000.00 Per Occurrence / $1,000,000.00 General Aggregate:$100.00(Accredited) or $200.00(Non-Accredited)
  • $1,000,000.00 Per Occurrence / $2,000,000.00 General Aggregate:$105.00(Accredited) or $210.00(Non-Accredited)
  • $1,000,000.00 Per Occurrence / $3,000,000.00 General Aggregate:$110.25(Accredited) or $220.50(Non-Accredited)
  • $1,000,000.00 Per Occurrence / $4,000,000.00 General Aggregate:$115.76(Accredited) or $231.52(Non-Accredited)
  • $1,000,000.00 Per Occurrence / $5,000,000.00 General Aggregate: $121.55(Accredited) or $243.10(Non-Accredited)

Please note that a $25.00 administrative fee will be added to all policies.

Yoga Instructors need 50 hours of instructional experience to qualify for Accredited rates.

The Optional Coverages

This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.

Liability coverage providing protection for rented, borrowed and other non-owned vehicles driven on personal training business.

Coverage providing additional liability limits increasing the liability coverage per each occurrence.

Increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy.