General liability coverage for fitness instructors
Accidents can happen to anyone—but you can protect yourself by purchasing liability coverage through K&K Insurance Group. Our general liability insurance program has been specifically designed to meet the needs of personal training, fitness, exercise and aerobics instructors who work on an independent contractor basis. Our website makes purchasing affordable coverage easy; just visit www.FitnessInsurance-KK.com to quote and buy online 24/7—when it's convenient for you.
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.
Instructors exclusively teaching yoga can obtain lower rates through our Yoga Instructor Program.
General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your fitness instruction activities. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of fitness activities) that occur as a result of your instruction activities. Unlike many of our competitors, there is never a charge for certificates of insurance!
General Liability
Bodily Injury & Property Damage
Professional Liability
Products-completed Operations
Damage to Premise Rented to You
Personal and Advertising Injury
Medical Expense (other than participant)
Legal Liability to Participants - Abuse, Molestation, Harassment or Sexual Conduct
Defense Cost Reimbursement
Exercise/Personal Training Studios
K&K Insurance also offers insurance coverage for fitness facilities of all sizes, from small exercise studios to full-service clubs. Our Training studios program is designed for facilities providing personal training, group exercise, aerobics, yoga, Pilates, or circuit training activities under the direct supervision of a fitness professional such as a personal trainer or exercise instructor. The facility must be 3,000 square feet or less; K&K offers a variety of programs for larger fitness facilities and health clubs on our website: www.kandkinsurance.com