INSTRUCTOR COVERAGE

This insurance program has been specifically designed to meet the unique needs of an individual sports instructor. This program is ideal for those instructors that provide private lessons at an individual’s residence or commercial facility. A good example is a swim instructor that may offer clients private swim lessons at their own residence. This coverage is strictly for an individual, not a business with employees and/or a facility in need of coverage. Also note that this coverage does not provide excess medical or abuse and molestation coverage. Excess medical coverage can be purchased separately on request.

TALK TO AN AGENT

ELIGIBLE OPERATIONS

A U.S. based instructor aged 18 or older conducting private or group instruction in any of the following sports is eligible for this program:

Baseball

Basketball

Baton Twirling

Bowling

Cross Country

Dance

Figure skating

Football

Golf

Hockey

Lacrosse

Racquetball

Road Running

Soccer

Softball

Swimming

Table Tennis

Tennis

Track and
Field

Tumbling
(Floor Only, No Apparatus)

Volleyball

Wrestling

COVERAGE PROVIDED UNDER THIS PROGRAM

COMMERCIAL GENERAL LIABILITY WITH BROADENING ENDORSEMENT

Coverage which protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, product and completed operations and personal and advertising injury (slander and libel).

LEGAL LIABILITY TO PARTICIPANTS

Coverage that offers protection against bodily injury liability claims brought by persons participating in sports activities under the direction of the insured.

PROFESSIONAL LIABILITY

Provides protection against wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of sports activities) that occur under the operations of the insured.

OPTION 1 OPTION 2 OPTION 3 OPTION 4 OPTION 5
Commercial General
Liability (CGL)		 Limits Limits Limits Limits Limits
Each
Occurrence		 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
General Aggregate (Other than
Products-completed Operations)		 $5,000,000 $5,000,000 $5,000,000 $5,000,000 $5,000,000
Products-completed
Operations Aggregate		 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Personal and
Advertising Injury		 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Legal Liability to
Participants		 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Professional
Liability		 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
Damage to Premises Rented
to You (Fire Legal Liability)		 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Medical Expense (other than
participants)		 $5,000 $5,000 $5,000 $5,000 $5,000

Commercial General Liability (CGL)

OPTION 1: Limits

OPTION 2: Limits

OPTION 3: Limits

OPTION 4: Limits

OPTION 5: Limits

Each Occurrence

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

General Aggregate (Other than Products-completed Operations)

OPTION 1: $5,000,000

OPTION 2: $5,000,000

OPTION 3: $5,000,000

OPTION 4: $5,000,000

OPTION 5: $5,000,000

Products-completed Operations Aggregate

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Personal and Advertising Injury

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Legal Liability to Participants

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Professional Liability

OPTION 1: $1,000,000

OPTION 2: $2,000,000

OPTION 3: $3,000,000

OPTION 4: $4,000,000

OPTION 5: $5,000,000

Damage to Premises Rented to You (Fire Legal Liability)

OPTION 1: $1,000,000

OPTION 2: $1,000,000

OPTION 3: $1,000,000

OPTION 4: $1,000,000

OPTION 5: $1,000,000

Medical Expense (other than participants)

OPTION 1: $5,000

OPTION 2: $5,000

OPTION 3: $5,000

OPTION 4: $5,000

OPTION 5: $5,000

COVERAGES AND LIMITS

Commercial General Liability (CGL) limits are available in several options ranging from $1,000,000 to $5,000,000 per occurrence with an aggregate limit of $5,000,000.

Program A – Sports instruction conducted at locations that are NOT owned or operated by the instructor.

Program B – Includes Program A locations and instruction at the instructor’s home or residence.

INELIGIBLE OPERATIONS

Operations not eligible for this program include, but are not limited to the following:

  • Certified athletic trainers
  • Coaching or organized competitive athletic teams
  • Instructors under the age of 18
  • Instructors employment as an exempt or a non-exempt employee of a school, university or college
  • Instruction of the following:

- Canoeing

- Gymnastics

- Kayaking

- Rowing

- Cycling

- Lifeguarding

- Scuba Diving

- Diving

- Skiing

- Equestrian

- Martial Arts

- Surfing

EXCLUSIONS

  • Abuse/Molestation
  • Amusement Devices (rides, slides, inflatable, bungees, climbing walls, dunk tanks)
  • Employment Related Practices
  • Open Water Instruction
  • Medical, Therapy or Health Care Services
  • Operation, ownership or management of a commercial sports facility
  • Physicals/Stress Testing
  • Physical Therapy, Massage or Salon Services
  • Sale or Distribution of Herbal Medicinal and/or Nutritional Products
  • Those Operations Listed as Ineligible
  • Violation of statutes that govern emails, faxes, phone calls or other methods of sending materials or information.

IN NEED OF ASSISTANCE?

If you have any questions, please contact our office at 800-777-4930.
We would love to help!

Debbie Williams ext.13   |   
Lori Sabato ext.19