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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.
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!
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| "Finally, a company with no secret affiliations (or hidden agendas) that provides quality insurance for TRUE fitness professionals!"
Corey Little, Athens, GA |
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| 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®
• 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 www.sadlersports.com for more information.
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| CARRIER |
| Coverage is provided by a carrier rated A+ (superior) by AM Best Company. |
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| PROGRAM INELIGIBILITY |
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Acrobatic/Partner Yoga Instructors |
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Certified Athletic Trainers |
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Coaching of Competitive Athletics |
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Instruction of Sports Skill Activities |
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Instructors operating outside of the U.S |
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Instructors under the age of 18 |
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Instructor's employment as an exempt or non-exempt employee of a school, university or college |
| Notable Exclusions : Please print the application for additional exclusions contained in this policy. |
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| Service for Current Clients |
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| LIMITS OF LIABILITY AND ANNUAL PREMIUMS |
| *Higher limits are available upon request – call us at 1-800-622-7370* |
| COVERAGE |
OPTION 1 |
OPTION 2 |
OPTION 3 |
| Each Occurrence Limit |
$500,000 |
$1,000,000 |
$2,000,000 |
| General Aggregate |
$1,000,000 |
$3,000,000 |
$4,000,000 |
| Products/Completed Operations Aggregate |
$500,000 |
$1,000,000 |
$2,000,000 |
| Personal & Advertising Injury |
$500,000 |
$1,000,000 |
$2,000,000 |
| Damage to Premises Rented to You |
$300,000 |
$300,000 |
$300,000 |
| Medical Expense Payments (other than participants) |
$5,000 |
$5,000 |
$5,000 |
| Legal Liability to Participants |
$500,000 |
$1,000,000 |
$2,000,000 |
| Professional Liability |
$500,000 |
$1,000,000 |
$2,000,000 |
| Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement |
$100,000 |
$100,000 |
$100,000 |
1-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.) |
$144.00 |
$179.00 |
$269.00 |
2-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.) |
$258.00 |
$323.00 |
$484.50 |
| 1-YEAR PREMIUM (Non-Certified Instructors) |
$184.00 |
$230.00 |
$345.00 |
| 2-YEAR PREMIUM (Non-Certified Instructors) |
$331.00 |
$414.00 |
$621.00 |
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 |
| 2-YEAR PREMIUM (Certified Instructors) (FLORIDA APPLICANTS ONLY)(Must Indicate Certification.) |
$261.35 |
$327.20 |
$490.80 |
| 1-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) |
$186.39 |
$232.99 |
$349.49 |
| 2-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) |
$335.30 |
$419.38 |
$629.07 |
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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.
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| IMPORTANT NOTES |
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Rates are per instructor. |
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Rates are available 12-01-2011 to 11-30-2012. |
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| You are not required to join an association to qualify for coverage. |
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Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost. |
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A complete coverage description is included in the application. |
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Notice to Agents & Brokers - There are no commissions included in this program. |
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| RISK MANAGEMENT REPORTS AND ARTICLES |
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| Please See Our Application for a Complete Coverage Description |
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| SPECIALTY AREAS |
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Aerobic Instructor Insurance |
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Fitness and Wellness Insurance |
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Fitness Liability Insurance |
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Personal Trainer Insurance |
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Fitness Insurance |
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Strength Trainer Insurance |
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Cardio Kickboxing Instructor Insurance |
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Fitness Instructor Insurance |
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Personal Trainer Liability Insurance |
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Tai Chi Instructor |
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Yoga Instructor Insurance |
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Exercise Instructor Insurance |
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Fitness Insurance |
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Dance Instructor |
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Pilates Instructor Insurance |
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Step Aerobics Instructor Insurance |
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Sadler & Company, Inc.
P.O. Box 5866
Columbia, SC 29250-5866
Phone: (800)622-7370 Fax: (803)256-4017
Send Us An Email
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DBA/AKA Sadler Insurance Agency in CA License #0B57651
Sadler & Company of SC, Inc. - Arkansas (Lic. #254179)
Sadler Agency - New York (PC-532473,LA-532473 and BR-532473)
Sadler and Company - Vermont (License #577)
DBA S&C Agency, Inc in KY (Lic. #624039)
Sadler and Company, Inc. in MN (Lic. #20499566)
S&C Agency, Inc. (Sadler & Company, Inc.) in OH (Lic. #33890)
Sadler & Company Insurance Agency, Inc. in UT (Lic. #105192)
1997-2012 Sadler & Company, Inc. All rights reserved. |
Suffering The Injury And Blaming The Trainer (