Who is Covered
Intended for individual or small group instruction , this program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000.00 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group

​Who Qualifies for this Program?
  • Certified Personal Trainers 
    (Must upload evidence of certification for Accredited Rates)
  • Uncertified Personal Trainers
    (Non-Accredited Rates are higher than Accredited Rates)
  • Yoga Instructors
    (Accredited Rates available with at least 50 hours of yoga instruction experience)

Eligible Trades or Services:
  • Aerial
  • Aerobics
  • Aquatic Exercise
  • Cardio Kickboxing
  • Children’s Fitness Programs
  • Dancercise ®
  • Exercise
  • Fitness Bootcamp
  • Personal Training
  • Pilates
  • Pole Dance
  • Pure Barre ®
  • Spinning
  • Strength
  • Stroller Strides ®
  • SUP Yoga
  • Tai Chi
  • Yoga
Please note the following ineligible activities:
• Certified High School / College Athletic Trainers
• Coaching of Competitive Athletics
• Instructors under the age of 18
• Instructors based outside of the U.S.
• Physical Education Teachers working within the school systems

Coverage Includes Suits Arising Out Of:
  • Injury or death of spectators
  • Injury or death of participants
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities necessary to conduct training
  • Ownership use or maintenance of fields or practice areas
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal punishment

PremiumsThe liability premium rates begin at:
  • $1,000,000 Per Occurrence / $1,000,000 General Aggregate: $115.00 (Accredited) or $210.00 (Non-Accredited)
  • $1,000,000 Per Occurrence / $2,000,000 General Aggregate: $121.00 (Accredited) or $221.00 (Non-Accredited)
  • $1,000,000 Per Occurrence / $3,000,000 General Aggregate: $127.00 (Accredited) or $232.00 (Non-Accredited)
  • $1,000,000 Per Occurrence / $4,000,000 General Aggregate: $133.00 (Accredited) or $244.00 (Non-Accredited)
  • $1,000,000 Per Occurrence / $5,000,000 General Aggregate: $140.00 (Accredited) or $256.00 (Non-Accredited)

Note: Rates and minimum premium may be higher in certain coverage states.
Please note that a $10.00 Administrative Fee will be added to all orders. A $10.00 Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL.

Yoga Instructors need 50 hours of instructional experience to qualify for Accredited rates.


The Optional Coverages
Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on trade or service business.

Increased Aggregates
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

Sexual Abuse and Molestation
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.

$5,000 Medical Expense Benefit
This coverage will reimburse an injured client or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not. This coverage does not apply to your participants.

Equipment Coverage
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.
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Excess Liability Coverage
This coverage provides additional liability limits increasing the liability coverage per each occurrence.