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Individual Fitness Instructors

Personal Trainer Insurance, Personal Trainer Liability Insurance, Fitness Instructor Insurance

Pay as low as $179 For a Rock Solid $1,000,000 Liability Limit that Does Not Require You to Join Another Expensive Association And Receive Your Certificates of Insurance IMMEDIATELY.
Apply for Coverage

Beware of other programs that don't cover punitive damages and that nickel and dime you to death with a $30 charge for each additional insured. Read the fine print in competitor's programs!
"Finally, a company with no secret affiliations (or hidden agendas) that provides quality insurance for TRUE fitness professionals!"
Corey Little, Athens, GA
PROGRAM ELIGIBILITY
Specifically designed to meet the unique needs of a U.S. based personal training, exercise, aerobic or yoga/pilates instructor directly supervising an individual or group engaged in fitness and exercise activities. Eligible Activities Include:

• Aerobics
• Aquatic Exercise
• Cardio Kickboxing
• Children's Fitness Programs
• Dance
• Exercise
• Fitness Bootcamps
• GYROTONIC®
• Hoop Fitness
• Personal Training
• Pilates
• Qigong
• Spinning
• Strength
• Tai Chi
• Yoga
• ZUMBA®

* - This program does not provide coverage for the operation, ownership or management of a fitness, sports or dance facility. See http://www.sadlersports.com/healthclubinsurance/ for more information.

CARRIER
Coverage is provided by a carrier rated A+ (superior) by AM Best Company.
PROGRAM INELIGIBILITY
Blue Bullet Acrobatic/Partner Yoga Instructors
Blue Bullet Certified Athletic Trainers
Blue Bullet Coaching of Organized Competitive Athletic Teams
Blue Bullet Cycling (other than stationary)
Blue Bullet Instruction of Sports Skill Activities
Blue Bullet Instructors operating outside of the U.S
Blue Bullet Instructors under the age of 18
Blue Bullet Instructor's employment as an exempt or non-exempt employee of a school, university or college
Blue Bullet Instruction/activities held on or in open water (i.e. lakes, ponds, oceans)
Notable Exclusions: Please print the application for additional exclusions contained in this policy.

Service for Current Clients
Blue Bullet Frequently asked questions FAQ If your question isn't answered here, please send us an email
LIMITS OF LIABILITY AND ANNUAL PREMIUMS (View Complete Application for Coverage Details)
COVERAGE OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5 OPTION 6
Each Occurrence Limit $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products/Completed Operations Aggregate $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal & Advertising Injury $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented to You $300,000 $300,000 $300,000 $300,000 $300,000 $300,000
Medical Expense Payments (other than participants) $5,000 $5,000 $5,000 $5,000 $5,000 $5,000
Legal Liability to Participants $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional Liability $500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100,000 $100,000 $100,000 $100,000 $100,000 $100,000
1-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
$144.00 $179.00 $269.00 $519.00 $769.00 $1,019.00
2-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
$258.00 $323.00 $484.50 Not Available Not Available Not Available
1-YEAR PREMIUM (Non-Certified Instructors) $184.00 $230.00 $345.00 $595.00 $845.00 $1,095.00
2-YEAR PREMIUM (Non-Certified Instructors) $331.00 $414.00 $621.00 Not Available Not Available Not Available
FLORIDA APPLICANTS
Note: All Florida applicants must add a 1.3% state mandated Hurricane Catastrophe Fund assessment fee to the total of the premium.
1-YEAR PREMIUM (Certified Instructors) (FLORIDA APPLICANTS ONLY)(Must Indicate Certification.) $145.87 $181.33 $272.50 $525.75 $779.00 $1,032.25
2-YEAR PREMIUM (Certified Instructors) (FLORIDA APPLICANTS ONLY)(Must Indicate Certification.) $261.35 $327.20 $490.80 Not Available Not Available Not Available
1-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) $186.39 $232.99 $349.49 $602.74 $855.99 $1,109.24
2-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) $335.30 $419.38 $629.07 Not Available Not Available Not Available
ALL APPLICANTS
A $10 RPG Fee is Required by the Carrier For All Applications
An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.
IMPORTANT NOTES
Blue Bullet Rates are per instructor.
Blue Bullet Rates are available 12-01-2013 to 11-30-2014.
Blue Bullet
You are not required to join an association to qualify for coverage.
Blue Bullet Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
Blue Bullet A complete coverage description is included in the application.
Blue Bullet Notice to Agents & Brokers - There are no commissions included in this program.
RISK MANAGEMENT REPORTS AND ARTICLES
Red ArrowSuffering The Injury And Blaming The Trainer (HTML | Printable PDF)
Please See Our Application for a Complete Coverage Description
Click Here To Print Application To Mail/Fax/Overnight To Sadler & Company
If You are an Owner of an Exercise Studio, Health Club, or Fitness Club, Click Here to Find Out How to Save Up to 38% While Getting the Protection You Need
SPECIALTY AREAS
Aerobic Instructor Insurance
Fitness and Wellness Insurance
Fitness Liability Insurance
Personal Trainer Insurance
Fitness Insurance
Strength Trainer Insurance
Cardio Kickboxing Instructor Insurance
Fitness Instructor Insurance
Personal Trainer Liability Insurance
Tai Chi Instructor
Yoga Instructor Insurance
Exercise Instructor Insurance
Fitness Insurance
Dance Instructor
Pilates Instructor Insurance
Step Aerobics Instructor Insurance


Sadler & Company, Inc.
P.O. Box 5866
Columbia, SC 29250-5866
Phone: (800)622-7370   Fax: (803)256-4017
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