Aerobics & Fitness Trainers Personal Liability

C. M. Meiers

Company, Inc.

Enroll for Coverage Today!

Aerobics & Fitness

Association of America

Questions?  Call Us At 1-800-596-0969

 

The insurance program has been specifically designed to meet the unique needs of a U.S.-based certified instructor or member of AFAA who is directly supervising an individual or small group instruction of fitness and exercise at an indoor facility that is not owned or operated by the instructor.

Eligible Operations - U.S.-Based Certified Instructor or Member of AFAA

  • Group Exercise Certified Instructor
  • Kickboxing Certified Instructor
  • Personal Fitness Certified Instructor
  • Step Certified Instructor

Ineligible Operations
  • Certified Athletic Trainers
  • Coaching of Competitive Athletics
  • E-Commerce Consulting
  • Instruction of Sports Skill Activities
  • Instructors based outside of the U.S.

  • Stroller-Based Fitness Instructors

  • Physical Education Teachers working in a private or public school

  • Provision of - Nutrition or Weight Management - Physical Therapy - Massage or Salon Services
* If you own or operate your fitness/exercise studio, please call C. M. Meiers at 800-596-0969, to discuss your insurance options.

Liability Coverage and Limits

Commercial General Liability coverage protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, and personal and advertising injury, legal liability to participants and professional liability.  There is no deductible that applies to liability claims.
Coverage: Option 1 Limit: Option 2 Limit: Option 3 Limit:
General Aggregate Limit (Other than Products-Comp. Ops.) $1,000,000 $2,000,000 $2,000,000
Products-Completed Operations Aggregate Limit $   500,000 $1,000,000 $2,000,000
Each Occurrence Limit $   500,000 $1,000,000 $2,000,000
Personal and Advertising Injury Limit $   500,000 $1,000,000 $2,000,000
Legal Liability to Participants $   500,000 $1,000,000 $2,000,000
Professional Liability $   500,000 $1,000,000 $2,000,000
Damage to Premises Rented to You $   300,000 $   300,000 $   300,000
Medical Expense $       5,000 $       5,000 $       5,000

Notable Exclusions

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

  • Asbestos

  • Employee-Related Practices

  • Fireworks

  • Fungi or Bacteria

  • Lead

  • Media Appearances

  • Media Publications

  • Nuclear Energy

  • Pollution

  • Speaking Engagements

  • Designated Operations Exclusion-Those activities listed as ineligible; the distribution of herbal medicinal or nutritional products, and the management or operation of a fitness facility.

  • Limitation of Coverage to designated premises, activities or operations-Indoor Fitness facilities only.

Carrier

Coverage is provided by a carrier rated A+ (superior) by AM Best.

 

Payment Information
 
Limits Cost
Occurrence/Aggregate*  
$500,000/$1,000,000 $161
$1,000,000/$2,000,000 $196
$2,000,000/$2,000,000 $237
 

  • Cost includes a $25 administrative fee.

  • Note: 100% of the premium is fully earned at the inception date and is not refundable in the event of cancellation.

How To Obtain Coverage

1. Complete and sign the enrollment form provided with this brochure.

2. Remit the completed and signed enrollment form, corresponding payment, and a copy of your current certification, if any, to:

C. M. Meiers Co, Inc.

21045 Califa Street, Suite 100

Woodland Hills, CA  91367

Phone 1-800-596-0969

 

If paying by credit card, fax to 818-713-2308. E-mail: bhugenberger@cmmeiers.com

 

3. You will be notified by C. M. Meiers if, for any reason, your submission to this insurance program is declined or determined to be ineligible for coverage and your premium payment will be returned or refunded.

 

4. If your enrollment is accepted, coverage documents will be issued by C. M. Meiers.

 

5. Coverage will become effective the date after your enrollment form and premium payment are received by C. M. Meiers, or on a later date that you may specify.

 

6. Coverage is provided on an annual basis.

 

7. Please allow 10 business days for processing.

 

Note: Any requests to amend or change coverage or the information reported on the enrollment form must be submitted in writing to C. M. Meiers Co.

Covering Your Studio

C. M. Meiers specializes in placing coverage for Fitness Centers and Studios, especially for our AFAA members.  Please contact us at 1-800-596-0969 for more information.

* Occurrence refers to each accident, Aggregate refers to total per policy period.

The Aerobics & Fitness Association of America has joined with us to create an insurance program specifically designed to meet the unique needs of individual aerobic and fitness instructors.  Three coverage options are available which provide different levels of liability to suite your needs.

Coverage defends and indemnifies you for alleged negligence resulting in bodily injury and property damage, while you perform your duties as a personal trainer, Pilates, yoga, aerobics, step, or cardio kickboxing instructor.

Coverage will be bound upon receipt and approval of completed enrollment form and payment of appropriate premium. You will then be provided a Certificate of Insurance showing proof of coverage.

C. M. Meiers Company, Inc.

(818) 224-6100 Phone - (818) 224-6099 Fax

21045 Califa Street, Ste #100 - Woodland Hills, CA  91367

License #0263181