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Fitness Instructors

NOW AVAILABLE - Buy Coverage On-line!


Eligible Operation

An instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program:
- Aerobics - Personal training
- Aquatic exercise - Pilates
- Cardio kickboxing - Qigong
- Children's fitness programs - Spinning
- Dance - Strength
- Exercise - Stroller based fitness instructors
- Fitness bootcamp - Tai Chi
- GYROTONIC ® - Yoga
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):

- Acrobatic/partner yoga instructors - Instructors under the age of 18
- Certified athletic trainers - Instructor's employment as an exempt or non-exempt
- Coaching of competitive athletics employee or a school, university or college
- Instruction of sports skills activities*  
- Instructors operating outside of U.S.
* 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.
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)
- Legal Liability to Participants - Abuse, Molestation, Harassment or sexual Conduct Defense Cost Reimbursement

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

- Abuse, molestation, harassment, or sexual conduct            - Physicals/stress testing

Amusement devices (e.g.: rides, slides, inflatables, bungees, climbing walls, dunk tanks) 

- Physical therapy, massage or salon services
- Dietician services - Sale or distribution of herbal medicinal and/or
- Employment-related practices nutritional products
- Medical, therapy or health care services - Training programs for law enforcement, public safety and
- Operation, ownership or management of a fitness, military personnel
dance or sports facility - Those operations listed as ineligible
- Weight control programs
* For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program.