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Why do I need insurance as a sports instructor?

Sports instructors strive to help clients put their best foot forward in the gym and on the field. Unfortunately, even healthy competition presents the possibility of accidental injuries with lasting effects. American Specialty Express makes buying insurance quick, painless, and simple, providing coverage for every step of a client’s road to success.


The following information is offered as a snapshot of the coverages provided through the American Specialty Express 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.

What are some parameters for this type of coverage?

This program offers insurance for fitness and sports instructors and provides liability protection in case of a participant injury. Both individual instructors and group/class instructors are eligible for coverage, and there is no added fee for obtaining certificates of insurance, including additional insured status. Coverage is provided for an annual term with up to a $3,000,000 limit.

What are general examples of when this coverage would be used?

  1. The fitness studio’s private lifting lessons are consistently popular among high school athletes. One particularly elite athlete is exceling at a high rate and wants to try a new, more difficult lift. After practicing the move with just bodyweight, the athlete and instructor add weight to a barbell and the athlete attempts the lift again. He is in immediate pain, and the resulting strained quadricep requires extensive physical therapy. Two months later, the sports instructor receives a claim for the athlete’s medical bills totaling $7,000. The athlete’s lawyer claims the injury was the result of a limited warm-up and inadequate preparation for performing the new skill. The sports instructor is shocked by the claim but ultimately remembers the insurance policy he purchased through American Specialty, and quickly forwards the claim.
  2. A yoga instructor has recently obtained the Registered Yoga Teacher (RYT) certification. During a private lesson, a student complains of neck pain after working on a shoulder stand. The instructor discontinues the lesson and instructs the student to rest, monitor the situation, and seek medical attention, if needed. The student panics, thinking about the possibility of a neck injury and goes immediately from the studio to the emergency room. The emergency room x-rays her neck but does not find an injury. The student starts to feel better quickly but receives a large bill from the ER visit for which she does not have insurance. She forwards the bill to the instructor, stating that she visited the ER at the direction of the instructor. The instructor does not feel responsible for the medical bills and gets in touch with American Specialty Express to discuss how the insurance she purchased will protect her in this situation.

How do I obtain more information?

Have some questions that need additional clarification? Please do not hesitate to contact us! Call us, chat with us online, or send us an email. Technology is great, but our sports instructor insurance program is provided by real people with real advice and a real desire to help. Contact us today!

What makes Express stand out?

American Specialty Express delivers the ability to instantly quote and buy affordable insurance coverage from a team of industry experts.  Additionally, Express offers the luxury of returning to your account anytime you want. Coverage can be in effect the day after purchase and provides all the needed documents online. Once coverage is bound, eligible additional insureds can be added for no additional cost! The necessary steps to add an additional insured, review coverage parameters, or report a claim can be completed in just minutes. Need a copy of the policy? Get online anytime to print a copy of the insurance policy or access a certificate of insurance. No one plans for problems as a sports instructor, but if an accident occurs we provide an easy, hassle-free process to report and manage claims.

So what's next? Time to purchase your Sports Instructor Insurance!

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