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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 12-31-2014.
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

General Liability and Professional Liability

General Liability insurance protects personal trainers against the following types of claims involving bodily injury, property damage, and personal/advertising injury:

  • Injury resulting from inadequate supervision such as failure to properly spot trainee
  • Failing to properly instruct the trainee on correct technique resulting in injury
  • Injury resulting from use of substandard equipment or defective equipment
  • Injury resulting from failure to design a proper workout program
  • Slip/trip/fall injury due to wet area on floor or exposed electrical cord
  • Allegations of slander, libel, or invasion of privacy
  • Negligence that results in electrical short causing fire that damages building

General Liability policies should include a Professional Liability endorsement which may include coverage for certain allegations other than bodily injury and property damage. For example, a client could claim failure to progress with fitness goals due to improper instruction. Many of these types of allegations are groundless, but are costly to defend against.

Accidents and High Risk Activities

Accidents and medical emergencies can happen anytime, to anyone, anywhere. And while you may not be liable, chances are youíll face situations where you have to defend yourself against claims made by clients. In addition to offering General and Professional liability insurance geared to personal trainers, we also offer specific risk management tools and advice for trainers working as employees and independent contractors, and that will help you minimize risks whether you work out of your home, your own studio, or another facility.

Fitness professionals must be knowledgeable in assessing health risks for their clients. Screenings should be systematic and addresses signs and symptoms of disease, risk factors and family history. The client and trainer fill our portions of the screening forms, and both sign an agreement as to goals and training methods based on the assessment.

One example of such a screening is the PAR-Q & You form, which is a well-recognized pre-exercise screening measure for low-to-moderate exercise training. This is broad tool that may overlook the clientís important health information. However, a "yes" answer by the client to any of the questions requires the trainer to obtain a medical release form from the clientís physician. Clients should also sign an informed consent/release of liability form.

Below are activities considered outside the expertise of personal trainers, and therefore not eligible for professional liability coverage. Certified athletic trainers and trainers under the age of 18 are also not eligible.

  • Acrobatics instruction
  • Coaching of organized competitive athletic teams
  • Cycling (other than stationary)
  • Sports skills instruction
  • Instruction/activity on open water (i.e. lakes, ponds, ocean)

Business risks not related to training

Many small business operators are so busy building the business that they donít take time to ensure the safety and security of everything for which theyíve worked so hard. There are hidden risks few business operators thing of until itís too late. Let us help you determine what type and how much coverage you need to adequately cover yourself, your clients and your business in the event of an accident or catastrophic incident.

Employees vs. Independent Contractors

Personal trainers can work as employees in health clubs, studios and fitness organizations or as independent contractors. There are perks and downfalls to both options.

Should you form a Limited Liability Company?

A business designated as limited liability company (LLC) enjoys the limited liability features of a corporation and the tax benefits of a partnership. Depending on the state of registration, an LLC can consist of a single owner or two or more individuals (known as members). An LLC isnít taxed as a business. Instead, the profits and losses pass through the business to the member(s). The members report profits and losses on their personal tax returns.

LLC Advantages

  • Limited liability means that the members are protected from personal liability if the LLC if the LLC is sued. However, the "limited" in limited liability means members are protected from their passive negligence when other employees are directly negligent; however, owners are not necessarily protected from allegations of their direct, personal negligence.
  • Less registration paperwork is required and smaller start-up costs involved than a corporation.
  • Profit restrictions are fewer because members distribute profits however they want. They decide the profits and loss percentages each member earns.

LLC Disadvantages

  • In many states, the LLC is dissolved when a member leaves. The other members are required to fulfill any remaining business obligations to close the business. They can then decide whether or not to register a new LLC. However, there can be a provision in the original business agreement that the life of the LLC will be prolonged in the event of a memberís departure.
  • LLC members are considered self-employed. As such, they are required to pay self-employment tax contributions toward Medicare and Social Security. These taxes take into account the entire net income of the LLC.


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