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American Specialty
 


This Exercise/Fitness/Dance/Martial Arts/Sports Instructor Insurance program is designed to meet the needs of U.S. based exercise, aerobic, yoga, dance, Zumba, pilates, martial arts, self-defense and sports instructors who are directly supervising an individual or group engaged in exercise/fitness/dance/martial arts/sports activity. Liability coverage is for the individual only.
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All insurance coverage is provided on an admitted basis by "A" rated carriers.

ELIGIBLE OPERATIONS
  • Aerobics
  • Aquatic Exercise
  • Baseball
  • Basketball
  • Dance
  • Exercise
  • Fitness
  • Golf
  • Martial Arts
  • Personal Training
  • Pilates
  • Self-Defense
  • Tennis
  • Yoga
  • Zumba
INELIGIBLE OPERATIONS
  • Instructors under the age of 18
  • Coaching of organized athletic teams
  • Certified athletic trainers
OPTIONAL COVERAGE AVAILABLE
  • Worldwide Coverage

General Liability Limits
  • $1,000,000 Occurrence
  • $1,000,000 General Aggregate
  • $1,000,000 Products-Completed Operations Aggregate
  • $1,000,000 Personal and Advertising Injury
  • $1,000,000 Damage to Premises Rented to You
  • Participant Legal Liability Included
  • Professional Liability Included

  • Higher Limits Available

General Liability Notable Exclusions & Endorsements
  • Asbestos Exclusion
  • Lead Exclusion
  • Fungi/Bacteria Exclusion
  • Abuse or Molestation Exclusion
  • Fireworks Exclusion
  • Additional Insured - Certificate Holders
  • Participant Legal Liability Coverage Form
  • Professional Liability Coverage Form
  • Products/Completed Operations Hazard Redefined
  • Instructors, Coaches and Sports Officials - Broadened Coverage
  • Exclusions - (For a complete listing of exclusions please reference your policy) - bungee jumping; baby-sitting and/or child care operations; swimming pools; hot tubs; water attractions; amusement devices; inflatable structures; go-karts and/or other motorized racing; laser tag; paintball; climbing walls; traverse walls; zip lines; trapezes; overnight camps or competitions; martial arts involving weaponry; mixed martial arts; parkour/free running; training programs for law enforcement, and/or military personnel; fighting and/or wrestling (including, but not limited to ultimate fighting, extreme fighting, cage fighting, boxing); adult-themed parties, meetings, trips (including, but not limited to, products and/or services pertaining to the adult entertainment industry); operations related to performance as an exotic dance or similar occupation in the adult entertainment industry; haunted attractions; gymnastics; extreme tumbling; cheerleading and/or stunt training; acrobatics and/or circus skills training; sale and/or distribution of herbal, medicinal or nutritional products; operations of ballroom rental facilities; operations of banquet and/or reception halls; dance halls; discotheques; nightclubs; professional production companies; professional dance companies; professional touring companies; trampoline parks/facilities; aerial silks/fabric training; fitness/exercise studios; instruction or activity held on or in open water (e.g.: lakes, ocean, pond); independent contractors under the age of 18; coaching of organized competitive athletic teams; sports rehab; sports therapy; massage therapy; sports medicine; weight control programs; acupuncture; salon services or indoor tanning; unattended/unstaffed 24 hour key card operations; pole dancing


The above Program Summary information is offered as a snapshot of the coverages provided through the FastCov online insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
 
 
 
 
American Specialty