Fitness Instructors - Borden Perlman Insurance Agency Inc

Our Fitness Instructor Program is designed for U.S. -based personal training, exercise, aerobic or Pilates instructors directly
supervising an individual or group engaged in fitness and exercise activities. Coverage is provided by a carrier rated A or better by
A.M. Best Company.

Eligible Operations

A U.S.-based instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program:
-	Acrobatic/partner yoga	-	Hoop fitness
-	Acro dance	-	Personal training
-	Aerial/anti-gravity/suspended yoga	-	Pilates
	(certified instructors only)	-	POUND®
-	Aerobics	-	Qigong
-	Aquatic exercise	-	SPINNING ®
-	Cardio kickboxing	-	Strength
-	Children's fitness programs	-	Tai Chi
-	Dance	-	Tumbling (floor only, no gymnastic apparatus)
-	Exercise	-	Yoga
-	GYROTONIC ®	-	ZUMBA ®


Ineligible Operations:
Certain operations are not eligible for coverage by this program. We reserve the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):

-	Certified athletic trainers	-	Instructors under the age of 18
-	Coaching of organized competitive athletic teams	-	Instructor's employment as an exempt or a non-exempt
-	Instruction of sports skills activities*		employee of a school, university or college

* If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program.


Liability Coverage

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. Coverage includes incidental virtual training provided by fitness instructors to their clients. The policy provides coverage for instruction under your direct supervision or organized by you , including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public. We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training. Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities. We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

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 participants)

-	Bodily Injury to Participants Liability	-	Abuse, Molestation or Exploitation Defense
			Cost Reimbursement (up to $100,000)

Exclusions

The following exclusionary endorsements are part of the policy providing coverage for this program:

-	Abuse, molestation or exploitation	-	Physicals/stress testing
-	Any adult-themed parties/meetings/trips, including but not	-	Physical therapy, massage or salon services
	limited to parties/meetings/trips during which demonstration	-	Sale or distribution of herbal, medicinal and/or
	of products and/or services used in the adult entertainment		nutritional products
	industry takes place	-	Sexually transmitted disease
-	Asbestos	-	Silica or silica-related dust
-	Cap on losses from certified acts of terrorism	-	Specified recreational vehicles and activities-Aircraft/hot air
-	Commercial general liability standard exclusions		balloon, Airport, Amusement devices: The ownership, operation,
	(CG0001 4/13 edition)		maintenance or use of any device or equipment a person rides
-	Communicable diseases		for enjoyment, including, but not limited to: mechanical or
-	Cryogenic chambers/therapy		non-mechanical ride, slide or water slide (including any ski or
-	Cyber incident, data compromise, and violation of statutes		tow when used in conjunction with a water slide), inflatable
	related to personal data		recreational device, or vertical device or equipment used for
-	Cycling (other than stationary)		climbing whether permanently affixed or temporarily erected.
-	Employment-related practices		This exclusion does not apply to video or computer games
-	Fireworks		or to any device that is specifically designed for the training or
-	Fitness/exercise operations related in whole or in part, to perform		instruction of an activity for which you are enrolled, Animal,
	as an exotic dancer or any similar occupation in the adult		Bungee, Dunk tank, Haunted attraction, Performer, Rodeo,
	entertainment industry		Saddle animal, Snowmobile
-	Fungi or bacteria	-	Those operations listed as ineligible
-	Instruction/activities held on or in open water	-	Total pollution with a building heating, cooling & dehumidifying
-	Lead		equipment exception and hostile fire exception
-	Medical, therapy or health care services	-	Training programs for law enforcement, public safety
-	Nuclear energy		and military personnel
-	Operation, ownership or management of a fitness,
	dance or sports facility

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