Group Exercise Instructor Insurance for Fitness Classes, Studios, Outdoor Sessions and Online Coaching

Freelance Instructors and Fitness Businesses

Insurance may be considered for self-employed instructors, mobile coaches, studio operators, partnerships and companies employing several teachers. The broker should understand every class delivered, who provides the instruction and where the business operates.

Classes Coaching and Participant Groups

Suitable enquiries can include aerobics, circuits, dance fitness, interval training, body conditioning, mobility, stretching, seated exercise and mixed fitness classes. Participant ages, ability levels, class intensity and any specialist adaptations should be explained.

Venues Outdoor Sessions and Mobile Instruction

Classes may take place in studios, gyms, leisure centres, community halls, schools, workplaces, hotels, private grounds and public open spaces. Flooring, routes, weather, public access and responsibility for inspecting each venue can affect the risk.

Equipment Inspection Hire and Transport

Instructors may supply mats, weights, bands, steps, speakers and specialist fitness equipment. Ownership, inspection, cleaning, maintenance, hire, delivery, vehicle storage and movement between venues should be declared.

Online Coaching Home Working and Studios

Businesses can combine physical classes with livestreams, subscriptions, prerecorded workouts and digital memberships. Home administration, home studios, garden studios, commercial premises, online payments and participant data may require additional protection.

Liability Professional Advice and Business Protection

A suitable arrangement may need public liability, professional indemnity, employers’ liability, product liability, equipment, stock, property, cyber and interruption sections. Appropriate cover depends on the complete business rather than the instructor’s job title alone.

Insurance for group exercise instructors

Group exercise instructor insurance should reflect the classes taught, the people attending and the way the business operates.

An instructor leading a weekly class in a hired hall presents a different insurance profile from a company employing several coaches, operating a studio, hiring equipment and selling online memberships. Outdoor bootcamps, workplace sessions, children’s classes and prerecorded programmes can introduce further considerations.

Quote Monkey can introduce suitable enquiries to a specialist broker. Any quotation or cover offered will depend on the instructor’s qualifications, declared activities, participants, locations, equipment and insurer appetite.

Freelance and self-employed instructors

Many instructors teach at several gyms, studios and community venues. They may receive payment directly from participants, invoice venue operators or work under a mixture of arrangements.

The broker should understand whether the instructor trades as a sole trader, partnership or limited company, how long they have taught, their annual turnover and how many sessions they deliver each week.

Maximum class size can be as important as average attendance. A class arranged for ten participants presents a different exposure from a large session involving dozens of people moving simultaneously.

The instructor should also disclose substitute teaching, holiday cover and work undertaken for other fitness businesses. Insurance held by a venue should not automatically be treated as covering an independent instructor’s liability.

Group fitness businesses and instructor agencies

A larger business may operate a timetable across several sites, engage freelance coaches, employ administrators and arrange corporate or community programmes.

The specialist broker may need to establish who designs each programme, who checks instructor qualifications and who is responsible for participant records, equipment and venue inspections.

Calling an instructor self-employed does not by itself determine their employment status. The working relationship, control, hours, equipment and contractual arrangements can all be relevant.

Businesses arranging cover for several instructors should provide a complete list of disciplines rather than use a general description such as “fitness classes.”

Studio operators

Some instructors lease or own a dedicated studio. Others use a converted commercial unit, shop-style premises, office-and-studio combination or warehouse-style training space.

The business may control reception areas, changing facilities, toilets, equipment storage and access before or after classes. It may also hire rooms to independent instructors or allow other practitioners to run sessions under separate arrangements.

The broker should understand which activities are organised by the studio and which are delivered by third parties. Each independent practitioner may need their own insurance, and the studio’s policy should not be assumed to cover every hirer.

Aerobics and cardio classes

Traditional aerobics and general cardio classes can involve repeated movement, changes of direction and choreographed routines performed to music.

Relevant considerations include the pace of the class, participant spacing, complexity of movements, duration, floor surface and whether platforms, weights or other equipment are used.

The instructor should explain how beginners are introduced and whether high-intensity alternatives are offered. A description such as “suitable for everyone” should be avoided where participation depends on health, mobility or fitness level.

Circuit and interval training

Circuit classes may involve exercise stations, timed intervals, bodyweight movements, cardiovascular activity and resistance equipment.

The broker should know whether sessions use heavy weights, suspension equipment, boxes, ropes or other apparatus. Competitive races, obstacle courses and extreme physical challenges should be declared separately.

Where circuit training is the main discipline, Circuit Training Instructor Insurance provides a more focused route.

Dance fitness

Dance fitness may combine aerobic exercise, repeated choreography, music and changes in direction. The precise style, pace, equipment and participant experience should be explained.

Classes primarily based around Latin-inspired routines may also be relevant to Latin Fit Insurance.

Teaching fitness classes should be distinguished from professional dance performance, competition and theatrical choreography where those activities form a material part of the business.

Rebound boot fitness

Some group instructors use specialist rebound footwear during dance, cardio or conditioning classes. The broker will need to understand who supplies the boots, how they are fitted, the inspection process and whether equipment is hired to participants.

The Kangoo Fitness Instructor Insurance page provides a specialist route where rebound boot exercise is the principal activity.

Bodyweight and calisthenics classes

Group bodyweight training may include squats, lunges, press-ups, holds, balance work and other exercises requiring little equipment.

More advanced calisthenics can involve bars, rings, elevated apparatus and technically demanding movements. These should not be included under a basic body-conditioning description without full disclosure.

The approved Calithenics Instructor Insurance page is relevant where calisthenics forms the main business activity.

Strength and resistance classes

Group strength sessions may use resistance bands, dumbbells, kettlebells, medicine balls and other portable equipment.

The instructor should provide maximum equipment weights and explain whether participants select their own loads. Procedures for demonstrating safe handling, controlling class numbers and preventing equipment from entering another participant’s space can be important.

Olympic lifting, strongman activity, bodybuilding competitions and unsupervised gym use should not be assumed to fall within ordinary group exercise instruction.

Mobility stretching and flexibility sessions

Group mobility and stretching sessions may support general movement, balance and flexibility. They should not be presented as physiotherapy, rehabilitation or medical treatment unless those services are genuinely provided by appropriately qualified and insured practitioners.

The broker should know whether the instructor assesses individual conditions, supplies personalised programmes or works with participants referred following injury.

Low-intensity seated and chair exercise

Seated exercise may be delivered in community centres, care settings, sheltered accommodation, workplaces and private venues.

The instructor should explain participant ages, mobility levels, supervision and whether care staff remain present. If the session is intended for people with particular conditions or additional support needs, this should be disclosed.

Describing a class as gentle or low intensity does not guarantee that it is suitable for every participant or free from injury risk.

Aqua fitness and water-based exercise

Water-based classes introduce poolside, aquatic and venue-management exposures that are different from ordinary studio instruction.

Aqua Fit Instructor Insurance is the more focused route for general pool-based fitness classes. Aqua Cycling Instructor Insurance is relevant where specialist stationary cycles are used in the water.

Pool qualifications, lifeguard provision, water depth and responsibility for the facility should be declared.

Private and small-group coaching

Group instructors may also provide one-to-one coaching and small private sessions.

Personalised exercise plans, assessments and progress advice can increase the importance of professional indemnity. The broker should know whether the instructor gives nutritional advice or advice concerning injuries, pregnancy or health conditions.

An instructor should remain within their qualifications and should not make medical diagnoses or promise a particular result.

Children teenagers and family classes

Sessions involving children may require age-specific qualifications, parental consent, safeguarding procedures and appropriate supervision ratios.

The enquiry should explain whether parents remain present, whether children and adults exercise together and how participants are signed in and collected.

Equipment, movements and class duration should be suitable for the declared age group. Schools and venues may impose their own insurance requirements.

Older-adult exercise classes

Classes for older participants may focus on strength, balance, mobility, coordination and social activity.

The insurer may want to understand how the instructor screens participants, adapts exercises and responds where mobility or health information is disclosed.

The presence of a carer, venue employee or community organiser should be explained, but it should not automatically be treated as transferring responsibility away from the instructor.

Pregnancy and postnatal exercise

Classes involving pregnant or postnatal participants should be delivered only within the instructor’s competence and declared scope.

The broker may ask about specialist qualifications, the stage at which participants can join, screening, programme adaptations and referral back to an appropriate medical professional.

Where postnatal exercise is a central service, Post Natal Exercise Instructor Insurance provides a dedicated route.

Workplace and corporate fitness programmes

Group exercise instructors may visit offices, warehouses, hotels and other commercial premises to provide employee wellbeing sessions.

Available space may not have been designed as a fitness studio. Desks, cables, stored goods, pillars, uneven floors and employees passing through the area can create additional hazards.

The instructor should establish who clears and inspects the room, controls attendance and provides first-aid support. Corporate clients may require evidence of a particular public liability limit before work begins.

Where fitness sessions form part of a wider corporate activity programme, Team Building Event Liability Insurance may also be relevant.

Community charity and club classes

Community organisations, charities, clubs and social enterprises may arrange classes in shared halls, schools and public venues.

The insurance enquiry should identify the legal organisation responsible for the programme, who receives payments, whether instructors are employed or freelance and whether volunteers assist.

Volunteers should be disclosed because their status and duties can affect the way liability sections apply.

Fitness workshops retreats and activity days

An instructor may arrange technique workshops, class launches, fitness weekends, retreats or multi-activity days.

The broker should know whether the business controls the venue, accommodation, catering, transport or additional instructors. Activities outside ordinary group exercise should be itemised.

Activities Liability Insurance may be relevant where the business provides a broader programme of participatory activities.

Gyms leisure centres and hired studios

Instructors commonly teach in facilities controlled by another organisation.

The hire agreement may specify responsibility for the floor, equipment, cleaning, fire procedures and public liability insurance. The instructor should understand these obligations rather than assume every incident becomes the venue operator’s responsibility.

The broker may require a schedule of regular locations and an explanation of occasional venues. Any overseas work should be declared separately.

Community centres village halls and school premises

Shared venues can contain furniture, stages, storage cupboards, electrical cables and activities taking place before or after the class.

The instructor should inspect the usable area and ensure emergency exits remain clear. Class numbers should be based on safe movement space, not simply the building’s overall capacity.

Work in schools may introduce specific safeguarding, access and contractual requirements.

Hotel holiday and resort classes

Fitness instructors may work directly for hotels and holiday businesses or provide classes under an independent contract.

Sessions can take place in gyms, function rooms, pool areas, gardens or beaches. The broker should understand the territories involved, the contract, participant access and whether equipment belongs to the hotel or instructor.

Travel insurance should not be confused with liability protection for paid professional instruction overseas.

Classes at customer premises

Private groups may book an instructor to visit a home, garden, residential development or privately operated facility.

The instructor should assess the available space, surfaces, access and surrounding property. The customer’s invitation does not guarantee that the location is suitable for an active exercise session.

Any use of communal residential areas should be authorised by the person or organisation responsible for them.

Indoor flooring and exercise space

The instructor should consider whether the floor is suitable for the movements and equipment used.

Smooth or wet surfaces, loose rugs, damaged boards, raised joins, steps, thresholds and trailing cables can create trip or slip hazards. Mirrors, pillars, furniture, low ceilings and insufficient participant spacing can also affect the class.

A venue’s maximum occupancy figure does not necessarily represent a suitable active class capacity.

Outdoor exercise sessions

Outdoor classes can take place in parks, sports grounds, private estates, promenades and other permitted spaces.

The broker should know whether sessions remain within one inspected area or follow a route. Uneven surfaces, potholes, kerbs, mud, wet leaves, poor lighting, traffic, cyclists, dogs and members of the public should be considered.

Appropriate landowner or local authority permission remains separate from insurance.

Weather and cancellation procedures

Heat, cold, rain, ice, wind, lightning and poor visibility can affect outdoor sessions.

The business should have a clear process for adapting, relocating or cancelling a class where conditions are unsuitable. Participants should receive appropriate information about clothing, footwear, hydration and changes to the session.

Loss of income from weather cancellation should not be assumed to be covered unless suitable protection has been specifically arranged.

Participant screening

Instructors may use pre-activity questionnaires, health declarations and conversations to identify relevant information.

The process should address previous injuries, pregnancy, medication, mobility restrictions and other factors relevant to participation. The instructor should know when to stop instruction and suggest that a participant seeks appropriate medical advice.

A waiver or declaration does not remove the instructor’s duty to take reasonable care.

Beginners and progressive instruction

Beginners may require an explanation of class format, equipment, expected intensity and basic technique before joining the full group.

The instructor should demonstrate movements clearly, provide suitable alternatives and avoid assuming that a participant understands fitness terminology.

Progressions should reflect ability and experience rather than pressure to match more advanced class members.

Qualifications and continuing competence

The specialist broker may request group exercise qualifications, training for particular disciplines, first-aid certificates and evidence of continuing professional development.

Qualifications should be appropriate to every activity taught. Completing a general fitness course should not automatically be treated as authority to teach specialist equipment, aquatic classes or programmes for particular clinical groups.

Businesses employing instructors should explain how qualifications, renewals and ongoing competence are checked.

First aid and emergencies

The enquiry should explain what first-aid training the instructor holds and what arrangements apply at each venue.

The instructor should know how to summon assistance, identify the venue address and provide access for emergency services. Outdoor and route-based classes may require additional planning.

Incidents, near misses and reported injuries should be documented promptly.

Class capacity and supervision

Class numbers should allow the instructor to observe participants, demonstrate movements and respond when someone struggles.

The broker may ask for average and maximum attendance, room dimensions and whether assistants are used.

Large public sessions, mass-participation classes and festival demonstrations should be declared separately from an ordinary weekly class.

Exercise equipment

A group exercise business may use mats, bands, steps, weights, balls, ropes, suspension equipment, balance aids, speakers, microphones, timers and digital devices.

The broker should know who owns the equipment, where it is used and the maximum value at any one location.

Heavy, overhead, anchored or participant-mounted equipment should be described clearly.

Equipment inspections and maintenance

A proportionate system should identify worn, damaged or contaminated equipment before it is supplied to participants.

Records may show the item inspected, date, condition, maintenance performed and whether it was removed from use.

Structural repairs, homemade equipment, permanent installations and non-standard modifications should be disclosed. Routine checks should not be presented as specialist engineering inspection where that is not what the business provides.

Cleaning and hygiene

Shared mats, bands, weights and other equipment may require regular cleaning.

Products and methods should be appropriate for the materials involved. Equipment should be stored dry and in a way that prevents contamination or deterioration.

Any sale or supply of cleaning products should be included within the retail and product liability presentation.

Equipment hire

Some instructors hire equipment to class participants or other coaches. This can include supervised use during a session or equipment taken away for use at home.

The broker should understand hire duration, values, agreements, deposits, inspection on return and whether delivery is provided.

Theft, accidental damage, wear and tear, breakage during use and failure to return an item may be treated differently under a policy.

Equipment installation

Most group instructors use portable equipment, but some may install or anchor apparatus at a venue.

Installation, drilling, wall or ceiling attachment and work at height should be declared. The business should not be presented as an equipment installer if it only sets out portable class items.

Subcontracted installation work and responsibility for checking completed work should also be explained.

Mobile instructors and vehicles

A mobile instructor may transport equipment, stock, signs and sound systems between several venues.

The broker should know the maximum value carried, whether equipment remains in the vehicle and whether employees drive.

A private motor policy may not be suitable for business travel and should not be assumed to cover business equipment or stock inside the vehicle.

Online group exercise classes

Online services can include live classes, prerecorded workouts, subscription libraries, digital programmes, video consultations and social media instruction.

The broker should know where participants are located and whether content is available outside the UK. Advice delivered online can still result in allegations concerning unsuitable instruction or programme design.

Website and Online Business Insurance may be relevant where the business relies on memberships, subscriptions, bookings or digital content.

Live streamed and hybrid classes

A hybrid instructor may teach people in a studio while additional participants join remotely.

The instructor should consider whether remote participants can see and hear demonstrations, how questions or reported discomfort are handled and whether attendance is recorded.

The presence of a video platform does not provide physical supervision equivalent to being in the room.

Prerecorded workouts and digital programmes

Recorded content may remain available long after it is produced and can reach participants in territories the instructor did not originally anticipate.

The business should date and review content, describe the intended ability level and provide clear instructions about equipment and space.

Professional advice claims arising from prerecorded material should not be assumed to fall within a policy unless digital instruction and the relevant territories have been declared.

Online bookings payments and participant data

Fitness businesses may hold names, contact details, health declarations, payment information and emergency contacts.

Cyber Insurance may be relevant to data breaches, malicious attacks, fraudulent instructions and disruption affecting booking or membership systems.

Compliance with privacy and payment obligations remains a separate responsibility from insurance.

Working from home

A group exercise instructor may run bookings, accounting, marketing and online instruction from home. Boots, mats, weights, merchandise and technology may also be stored there.

Working From Home Insurance may be relevant where household insurance is not designed for business contents, commercial stock, employees, customer visits or courier collections.

Every business activity taking place at the home should be disclosed.

Home studios garden rooms and converted garages

Some instructors teach private clients or small groups in a spare room, converted garage, outbuilding or garden studio.

The broker may require the building’s construction, access arrangements, maximum participant numbers, flooring, equipment, heating, security and planning or tenancy position.

Home Studio Insurance provides a relevant route where a dedicated area at home is used regularly for instruction.

Commercial studios and property

Businesses occupying a studio, shop-style unit, office or commercial exercise space may need protection for the premises and their contents.

Commercial Property Insurance may be relevant where the business owns the building or has another insurable property interest.

Tenants should disclose improvements, glass, fixtures and any responsibilities imposed by the lease.

Business contents

Business Contents Insurance may protect eligible equipment, furniture, sound systems, computers and other business property against selected insured events.

Values should reflect full replacement cost rather than approximate second-hand prices.

Equipment used away from the main premises or left at a hired venue may require specific protection.

Retail and ecommerce activity

An instructor may sell mats, bands, clothing, water bottles, accessories, branded merchandise and other products.

Sales can take place at classes, through a website, on marketplaces, through social media or at events. Click-and-collect, deliveries, overseas sales and trade supply should be disclosed.

Where retailing becomes a substantial part of the business, the broker should understand the full product range and sales turnover rather than treat it as incidental instruction.

Imported and own-brand products

A business importing equipment from outside the UK or applying its own branding can have increased product liability responsibilities.

The broker may request supplier information, testing, instructions, batch records, sales territories and recall procedures.

Products sold into the United States or Canada should be identified specifically.

Business stock

Business Stock Insurance may be relevant to fitness accessories, clothing and equipment held for sale.

The amount insured should account for maximum values, including stock increases before events or promotional periods.

Stock kept at home, in a studio, in a warehouse or at a separate storage location must be declared accurately.

Storage and self storage

Exercise equipment may be stored at a home, studio, office, commercial unit, garage, outbuilding, warehouse or self-storage facility.

The specialist broker should know each address, maximum values, construction, security and whether the location is heated.

Business Goods and Stock in Self Storage may be relevant where commercial equipment or merchandise is kept in a self-storage unit.

Goods in transit

Equipment and stock can be damaged or stolen while moving between the home, studio, hired venues, workplaces, events and storage locations.

Goods in Transit Insurance may be relevant where property is carried by the instructor, employees, couriers or commercial carriers.

Maximum load values, unattended vehicles, overnight storage and overseas deliveries should be discussed.

Public liability insurance

Public Liability Insurance is a central consideration for businesses working directly with participants and the public.

It may respond to eligible claims involving accidental injury to a third party or accidental damage to third-party property arising from declared activities.

It should not be described as covering every injury occurring during exercise. Responsibility, evidence, policy conditions and exclusions will affect whether a claim is insured.

Professional indemnity insurance

Professional Indemnity Insurance may be relevant where an allegation concerns instruction, assessment, programme design or professional advice.

The broker should understand whether the instructor supplies personalised plans, online programmes, nutrition guidance or instructor education.

Professional indemnity should not be presented as permission to provide advice beyond the instructor’s qualifications.

Employers’ liability insurance

Employers’ Liability Insurance is generally required where a business employs people, subject to limited exemptions.

Employed instructors, reception staff, administrators, equipment assistants, casual workers and trainees should be declared.

Freelance coaches and volunteers should also be explained so the broker can consider their working status and activities.

Product liability insurance

Product Liability Insurance may be relevant where the business sells, supplies, imports, brands or hires fitness products.

An allegation could arise from defective equipment, inadequate instructions or an unsuitable product recommendation.

The applicable territories, insurer limits and any exclusions should be checked carefully.

Personal accident protection

An instructor’s earnings may depend on their physical ability to teach.

Personal Accident Insurance may provide specified benefits following certain accidental injuries, subject to the selected policy terms.

Businesses employing several eligible workers may also consider Group Personal Accident Insurance.

Business interruption insurance

A fire, flood or other insured event at a studio could stop classes and affect membership income.

Business Interruption Insurance may provide protection following insured property damage, subject to the basis and indemnity period selected.

The period should allow for repairs, replacement of equipment, alternative premises and rebuilding attendance.

Commercial combined insurance

An established studio or multi-instructor business may require several protections under one arrangement.

Commercial Combined Insurance may combine selected property, contents, stock, liability and interruption sections, depending on insurer appetite.

Every class, location and additional commercial activity must still be disclosed.

Participant slips during an aerobics class

A participant falls on a smooth studio floor and alleges that the class continued despite the surface becoming slippery. Responsibility for inspections, cleaning and venue control may be considered.

Beginner is injured attempting an advanced movement

A new participant alleges that an exercise was unsuitable for their experience. Professional instruction, demonstrations and progression procedures could be relevant.

Two participants collide

Class members collide while changing direction during a crowded routine. The available space, class capacity and instructor supervision may be examined.

Resistance band breaks

A band snaps and strikes a participant. The claim could involve equipment inspection, maintenance and product liability.

Weight is dropped onto a participant

A class member loses control of a dumbbell or kettlebell. Equipment selection, participant spacing and instruction may affect the claim.

Exercise step moves unexpectedly

A platform slips during use and the participant falls. The floor, equipment condition, setup and demonstration could be relevant.

Hired venue floor is damaged

Weights or other equipment damage a studio or hall floor. Public liability may be relevant to eligible third-party property damage, subject to policy conditions.

Participant trips over a speaker cable

A customer falls over a cable running across the edge of the exercise area. Equipment layout and cable protection may be reviewed.

Outdoor participant falls on a pothole

A participant is injured on an uneven park surface and alleges the class area should have been inspected or moved.

Member of the public is struck by equipment

Portable equipment leaves the exercise area and hits a passer-by during an outdoor class. Public liability could be relevant.

Child is injured during a family class

A child falls and their parent alleges inadequate supervision. Ages, consent, ratios and class organisation may be considered.

Participant alleges unsuitable postnatal instruction

A participant claims that a movement aggravated a postnatal condition. Qualifications, screening and the declared scope of instruction could be examined.

Customer is injured during an online workout

A subscriber alleges that unclear instructions in a prerecorded class caused an injury. Professional indemnity may be relevant if online instruction and the applicable territory were insured.

Employee is injured moving weights

An employed instructor strains their back while carrying equipment into storage. Employers’ liability may apply to an eligible claim.

Equipment is stolen from a vehicle

Mats, speakers and weights are taken from a parked vehicle between classes. Cover would depend on the insured property, security, location and unattended-vehicle conditions.

Stock is damaged in self storage

Fitness merchandise is damaged at a self-storage facility. Any response would depend on whether the location and goods were declared and the cause was insured.

Imported product allegedly causes injury

A resistance product sold by the instructor is alleged to be defective. Product liability could be relevant, particularly where the business acted as importer or own-brand supplier.

Customer data is exposed

A booking system is compromised and participant contact or health information is accessed. Cyber insurance may assist where suitable protection was arranged.

Fire closes a fitness studio

An insured fire damages the premises and equipment, stopping classes for several months. Property and business interruption sections may be relevant.

Freelance instructor alleges injury at the studio

A visiting instructor is injured by defective equipment and brings a claim. Their employment status, contracts and responsibility for the premises may need to be established.

Information a specialist broker may request

The business should be ready to provide its legal entity, trading history, annual turnover, payroll, employee numbers and claims record.

Class information should include every discipline, average and maximum attendance, intensity, participant ages, specialist groups, qualification requirements and whether personalised advice is given.

Location information should cover regular venues, occasional sites, outdoor areas, customer premises, home working, studios, storage addresses and any overseas activity.

Equipment information should include item types, maximum weights, replacement values, inspection procedures, hire arrangements, vehicle storage and transport.

The broker should also be told about online instruction, participant territories, product sales, imports, own branding, stock values, subcontractors and required liability limits.

Important scope and wording

The page should remain centred on group exercise instruction and the associated business operation.

Physiotherapy, rehabilitation, clinical exercise, regulated medical advice, extreme sports, competitive events, heavy equipment installation and unrestricted overseas work should not be implied unless specifically declared and accepted.

Similarly, phrases such as gentle, low impact or suitable for beginners should describe the intended class style rather than promise medical suitability or freedom from injury.

Quote Monkey can introduce suitable enquiries to a specialist broker. Cover, limits, conditions and exclusions will depend on the information supplied, insurer appetite and the policy wording offered.

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