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Individual Fitness Instructors
Personal Trainer Insurance, Personal Trainer Liability Insurance, Fitness Instructor Insurance
Pay Just $230 For a Rock Solid $1,000,000 Liability Limit that Does Not Require You to Join Another Expensive Association or to Become Certified Just to Qualify. (If you are certified, the cost is just $179.)
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 |
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| PROGRAM ELIGIBILITY |
Individual fitness instructors working on an independent contractor basis and involved in individual or small group instruction of fitness & exercise activities at an indoor facility not owned or operated by the instructor. Eligibile activities include:
• Aerobics
• Aquatic Excerise
• Cardio Kickboxing
• Children's Fitness Programs
• Dance
• Exercise
• Gyrontonic
• Personal Training
• Pilates
• Spinning
• Strength
• Tai Chi
• Yoga |
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| CARRIER |
| Coverage is provided by a carrier rated A+ (superior) by AM Best. |
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| PROGRAM INELIGIBILITY |
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Certified Athletic Trainers |
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Coaching of Competitive Athletics |
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E-Commerce Consulting |
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Instruction of Sports Skill Activities |
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Instructors based outside of the U.S |
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Instructors under the age of 18 |
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Physical Education Teachers working in a private or public school |
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Provision of Nutrition or Weight Management |
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Provision of Physical Therapy |
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Provision of Massage or Salon Services |
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Stroller Based Fitness Instructors |
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| Service for Current Clients |
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| LIMITS OF LIABILITY AND ANNUAL PREMIUMS |
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| COVERAGE |
OPTION 1 |
OPTION 2 |
OPTION 3 |
| Each Occurrence Limit |
$500,000 |
$1,000,000 |
$2,000,000 |
| General Aggregate |
$1,000,000 |
$2,000,000 |
$2,000,000 |
| 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 |
$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 |
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 |
$484.00 |
| 1-YEAR PREMIUM (Non-Certified Instructors) |
$189.00 |
$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% state mandated Hurricane Catastrophe Fund assessment fee to the total of the premium. |
| 1-YEAR PREMIUM (Certified Instructors*) (FLORIDA APPLICANTS ONLY)(Must Indicate Certification.) |
$145.44 |
$180.79 |
$271.69 |
| 2-YEAR PREMIUM (Certified Instructors*) (FLORIDA APPLICANTS ONLY)(Must Indicate Certification.) |
$260.58 |
$326.23 |
$488.84 |
| 1-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) |
$190.89 |
$232.30 |
$348.45 |
| 2-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) |
$334.31 |
$418.14 |
$627.21 |
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| IMPORTANT NOTES |
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Rates are per instructor and are annual. |
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Rates are available 08-01-07 to 11-30-08. |
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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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Suffering The Injury And Blaming The Trainer (