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Sports Instructors Insurance



Coverage is not available in Alaska and Rhode Island.

This insurance program has been specifically designed to meet the unique needs of a U.S. based sports instructor directly supervising an individual or a group engaged in sports-related skills.

We're happy to advise that coverage does extend to incidental virtual training provided by you (the named insured) to your clients.
The intention of the policy is to provide coverage for instruction/training 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 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.

Eligible Operations

A U.S.-based instructor age 18 or older conducting private or group instruction in any of the following:


- Lacrosse
-Baton twirling
-Road running
-Cross country
-Table tennis
-Figure skating
-Track & field
-Tumbling (floor only, no gymnastic apparatus)
* If your risk doesn't fit the eligibility of this program, please contact K&K at 1-800-506-4856.
**For instruction of dance only, please visit www.fitnessinsurance-kk.com for dance instructor coverage.
​***$1,000,000 occurrence limit only. Not available for purchase online. Submit PDF application.

Ineligible for this program:

Certain operations are not eligible for coverage by this program. K&K reserves 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
         employee of a school, university or college
Instruction of the following activities: 
-Martial arts
-Scuba diving
* For more information regarding coverage for a sports facility, contact one of our K&K marketing representatives at
1-800-440-5580 or view our Venues 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 sports-related skills instruction. 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 sports-related skills instruction) that occur as a result of your instruction.

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)
-Legal Liability to Participants  


-Abuse, molestation, harassment, or sexual conduct
-Cycling (other than stationary)
-Aircraft/hot air balloon
Employment-related practices
​-Amusement devices (the ownership, operation, maintenance or
​-Fungi or bacteria

use of: any mechanical or non-mechanical ride, slide, or water
​-Haunted attractions

slide, any inflatable recreational device, any bungee operation
Instruction/activity being held on or in open water

or equipment, any vertical device or equipment used for

climbing-either permanently affixed or temporarily erected, or
-Medical, therapy or health care services

dunk tank. Amusement devices do not include any video or
Nuclear energy liability

computer games or any device that is specifically designed for
-​​Operation, ownership or management of a commercial sports 

​the training or instruction of the activity for which you are 

​Animals (injury or death to, or injury, death or property damage
-​​Physicals/stress testing

​caused by any animal owned, rented or hired by you)
-​​Physical therapy, massage or salon services
​Commercial general liability standard exclusions
​Saddle animals

​(CG0001 4/13 edition)
​Sale or distribution of medicinal, herbal and/or nutritional
​Communicable diseases
​Cryogenic chambers/therapy

-​​Violation of statutes that govern e-mails, faxes, phone calls or

​other methods of sending materials or information