Exercise/Fitness Instruction

No additional premium.

Treatment of Professional Sports Persons or Entertainers is not covered. This is available at an additional premium.

The following Endorsement(s) apply:

Dance, Fitness, Gym and/or Aerobics Instructors

It is a condition precedent to liability that the Insured ensures a health screening form is completed, signed and dated by each individual client prior to the client undertaking any exercise / fitness / aerobics training.

This policy excludes Athletic Therapy, Biomechanics Coaching, Sports Massage/Remedial massage treatment or Fitness Training of Professional Sports Persons and Dancers. A Professional Sports Person or Dancer shall mean anyone who earns their main income from this profession.

This endorsement shall not apply when working with elite athletes or specific professionals is listed under Business Activity.

Furthermore this policy excludes any claims arising from the diagnosis of any conditions or injury. Or any claims arising from joint manipulation unless specifically listed under Business Activity.

All other terms, conditions, exclusions and limitations in this policy remain unaltered.

Online Non-Interactive Training, One to One Instruction and Classes Conducted Electronically

For the purposes of Online classes, Exclusion XX (d) of the Policy is hereby deleted and of no effect.

Cover is hereby extended to include Non-Interactive Online Classes/Instruction conducted electronically subject to:
• Activities restricted to all “hands on “treatments/therapies or those that involve physical activity.
• The application of a legal disclaimer stating that students’ participation in the class is at their own risk
• The provision of Online Classes/Instruction is via a secure platform/medium. For the avoidance of doubt, cover hereunder excludes any Claims arising from and/or relating to YouTube posts or broadcasts (or via any other similar platform/medium) where the Insured cannot restrict access to specific students.
• Online Classes/Instruction must be suitable to be taught remotely and the Insured at each session must proactively discuss and encourage the students to practice in a suitable environment and spacious area
• The Insured's service contract stipulates that it is governed by Irish Law and the exclusive jurisdiction of the Courts of Ireland.
• Records of sessions are maintained in accordance with Condition Precedent 4 of the Policy Wording

All other terms, conditions, exclusions and limitations in this Policy remain unaltered.

For the purposes of Online classes, Exclusion XX (d) of the Policy is hereby deleted and of no effect.

One to One Online Instruction Sessions via Video Call Online Classes/Instruction Conducted Electronically

Cover is hereby extended to include Online Classes/Instruction subject to:
• The application of a legal disclaimer stating that students’ participation in the class is at their own risk
• The provision of Online Classes/Instruction is in real-time and the Insured is able to observe/supervise, verbally speak and respond to their student. For the avoidance of doubt, cover hereunder excludes any Claims arising from and/or relating to YouTube posts or broadcasts (or
• via any other similar service/platform) where the Insured is unable to observe/supervise, verbally speak and respond to their student in real-time
• The Insured is satisfied to proceed having discussed and undertaken a visual risk management appraisal of the area the student is to take their class, prior to each and every class/instruction
• The Insured's service contract stipulates that it is governed by Irish Law and the exclusive jurisdiction of the Courts of Ireland.
• Records of sessions are maintained in accordance with Condition Precedent 4 of the Policy Wording

All other terms, conditions, exclusions and limitations in this Policy remain unaltered.

About Us
Established in 1999, Brian Mullins Insurance Brokers offers a large range of insurance products and is Ireland’s specialist insurance broker for beauty and holistic therapists
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Brian Mullins Insurance Brokers,
27 Castle St, Sligo
P: 071 91 41030
F: 071 91 38460
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Brian Mullins Insurance Brokers, 27 Castle St, Sligo
B.M.I.B. Ltd trading as Brian Mullins Insurance Brokers is regulated by the Central Bank of Ireland. Directors: B.Mullins S.Mullins
Registration No: 337473 Registered office: 27 Castle St, Sligo. Content © 2021 Brian Mullins Insurance Brokers.