I think you are in the wrong forum. It sounds as though your question is for a specific insurance company. This site is for fitness professionals. If you are on the IDEA page and are interested in the insurance offered through this association look at the top bar and click on insurance and you should be able to find contact information.
I teach group ex and yoga and I have a single policy that covers both. I used to personal train in addition and in those days I still only had one policy.