For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
The popularity of Spin classes has exponentially grown. Not only do these offer a high-calorie burn, but they are also relatively fun.
But by virtue of being fast-paced and intense, Spin cycling exposes Spin instructors to potential liability.
Even with the proper training, education, and certifications, risks cannot be completely avoided. The road to becoming a Spin instructor isn’t easy. Safeguard your career by getting Spin instructor insurance.
Also known as Spin teacher insurance, this is a specialty insurance product meant to protect Spin instructors in the event that a claim is brought against them personally or their business.
Consider this. Suppose in a bid to make your students go harder, you raise the gradient on the bike, but there are no straps to secure their feet, and they ultimately fall over. Further, what if the handlebars detach and a client is thrown off the bike with their fit still in stirrups? Moreover, what if you fail to guide a client and they end up cycling without enough resistance, and the torsion hurts their ankle?
In each of these circumstances, there's every possibility that you might get sued. This could mean being tied up in dragged-out legal battles that take a toll on your finances, reputation, and entire business.
You are likely going to end up with mounting legal fees and costs of compensation. Without having proper protection in place, you will be forced to meet these costs out of pocket. This means taking cash out of your savings to meet these costs.
Other than the financial ramifications, having proper coverage means your reputation is protected. Clients are sure that you are concerned about their well-being when mistakes occur, which will inevitably happen.
It is essential to point out that most clients and studio owners will likely fret when it comes to offering you a contract or liberty to use their space when you don't have the proper insurance coverage. Investing in the right Spin instructor insurance means that you are better equipped to negotiate for contracts and use rented or leased Spin studio spaces.
| CoverWallet | NEXT (Best) | Thimble | Insure Fitness Group | Protectivity | Sadler Sports | |
|---|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000/$12,000,000 | $1,000,000/$5,000,000 |
| Aggregate limit | $2,000,000 | $3,000,000/$4,000,000 | $1,000,000/$2,000,000 | $3,000,000 | $1,000,00/$12,000,000 | $5,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | Excluded | $1,000,000/$5 ,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | Excluded | Excluded |
| Tenant’s legal liability coverage limit | $300,000 | $100,000 | $100,000 | $100,000 | Excluded | $1,000,000 |
| Waiver of subrogation included? | Yes | Included | Included | Excluded | Excluded | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Excluded | Excluded |
| Equipment breakdown floater included? | No | Yes | Yes | Excluded | Yes | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 | $0 |
In 2021, 3.2 million people were taken to emergency rooms for injuries sustained from sports and recreational activities mainly exercise, cycling, and basketball.
Spin classes-though not very dangerous as it’s an indoor activity similar to yoga and zumba-can result in injuries. Specifically, you might be held liable for soreness, back pains, rhabdomyolysis, strain, dizziness, and syncope. Additionally, you could get sued for injuries related to inadvertent contact with the bike while a client rides it or performs one of your moves on it.
Injuries sustained by clients is just one of your worries. If you’re an independent Spin teacher of a fitness dance studio or gym, chances are the owner might hold you responsible for recouping the cost of damaged bikes, sound systems, and other equipment.
General liability insurance protects you against such exposures. The table above compares the features of the general liability insurance from companies that cover Spin instructors.
So how does general liability insurance work? This grants the money you can use to cover these costs when a claim for property damage or bodily injury is filed by clients, visitors, and other third parties:
Medical expenses
Reimbursement for property damage
Legal fees
Also called Spin instructor liability insurance, general liability insurance doesn’t only cover claims for bodily injuries or property damage. You can also use this insurance when a third party holds you liable for:
Advertising injuries
Products and completed operations
Accidents caused by a hired/borrowed commercial vehicle
| CoverWallet | NEXT (Best) | Thimble | Insure Fitness Group | Protectivity | Sadler Sports | |
|---|---|---|---|---|---|---|
| Per occurrence limit | $300,000/$1,000,000 | $1,000,0000/$2,000,000 | $2,000,000 | $1,000,000 | $1,000,000/$12,000,000 | $1,000,000/$5,000,000 |
| Aggregate limit | $2,000,000 | $3,000,000/$4,000,000 | $2,000,000 | $3,000,000 | $1,000,00/$12,000,000 | $1,000,000/$5,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | No | Yes |
| Waiver of subrogation included? | Yes | No | Yes | No | No | Yes |
| Claims for abuse and molestation also covered? | No | No | No | Yes | No | Yes |
| Deductible | $500 | $0 | $0 | $0 | $0 | $0 |
Just like online personal trainers and dance instructors, you’re professionally responsible to all clients.
Clients can sue for negligence or mistakes, all of which fall beyond the scope of general liability insurance. As such, you want to have a professional liability policy in place.Use thetable above to compare the features of the best professional liability insurance for Spin instructors.
Professional liability insurance for Spin instructors, private personal trainers, and barre instructors take care of exposures that arise from your duties and responsibilities as a spin instructor. This policy covers you in the event that:
A client claims that the Spin cycle training program you recommended didn't bring the expected results
A client claims that the program you recommended caused more harm than good
A party demands you compensate for losses suffered due to inaccurate advice
You didn’t provide adequate assistance while a student is conducting Spin cycling routines
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | |
|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $100,000 | $25,000/$500,000 |
| Contents coverage limit (minimum) | $50,000 | $15,000 | $25,000/$500,000 |
| Outdoor signs | Excluded | $2,500 | $2,500 |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 |
| Money and securities | Excluded | $2,500 | $1,000 |
| Lock and keys | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 |
Get commercial property insurance if you’re a Spin instructor who owns and manages a Spin cycling studio. Use the table above to compare the features of commercial property insurance.
With commercial property insurance for Spin studios, crossfit studios, and aerobics studios ready at hand, you’re sure to recover losses if the studio gets damaged or destroyed because of:
Fire
Theft
Vandalism
Civil commotion
Sinkhole collapse
Volcanic action
Aircraft
Vehicle
Impact
Winds
Hail
Snow
Lightning
Other covered perils
Note that you can also use commercial property insurance to recover the value of Spin cycles, sound systems, and other equipment that get damaged or destroyed because of the perils we mentioned.
| CoverWallet | Thimble (Best) | NEXT | |
|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 |
| Commercial property insurance aggregate limit | $50,000 | $500,000 | $100,000 |
| Optional policies can be added? | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes |
Planning to get commercial property and general liability insurance at the same time? If so, we recommend you approach insurance companies that offer a business owner’s policy for Spin instructors, online personal trainers, and dance instructors.
A business owner’s policy combines general liability insurance and commercial property insurance into one insurance product. It’s also possible for this kind of coverage for Spin instructors to offer professional liability insurance, equipment coverage, non-owned/hired auto coverage, and more.
Basically, a business owner’s policy is a pre-made insurance package that already offers all the insurance policies you need as a growing Spin instructor. The table above compares the features of the business owner’s policy from the recommended companies.
If you've got other instructors working with you or have hired additional help for the Spin studio, then you ought to consider purchasing workers' compensation insurance.
This policy protects you from work-related injuries that might not be covered under a health insurance policy. Workers' compensation insurance commonly covers these costs:
Medical treatment
Hospitalization
Medication
Rehabilitation and retraining
Lost wages
Death benefits
Remember that you only need to get workers' compensation insurance if you have a regular payroll for employees. If associates are working as independent Spin instructors, then there’s no need to get workers' compensation insurance. This is also true if you’re working with trainees and volunteers.
Indoor cycling studios have been known to cause harm sometimes. While these were meant to attract fitness enthusiasts on the search for rigorous and fun workouts, these studios and their owners have been riddled with a boatload of lawsuits.
As a Spin studio owner, most of your consideration is on the possible risks associated with the facility, equipment, and Spin class. While in most cases, you will have strategies like liability waivers, warning signage, and a documented emergency-response plan, you still will need Spin studio insurance.
If a bike falls and causes injury or damage or a client slips off the machine and suffers head trauma, the Spin studio insurance covers the medical costs and cost of property damage. Additionally, this policy ensures that your equipment is well-covered, meaning that if they were to be stolen, vandalized, or damaged, you could have them repaired or replaced as soon as possible.
So, how much must you expect to pay? The table below shows the cost of each Spin instructor insurance policy we discussed above:
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $26 | $312 | $0-$500 |
| Professional liability insurance | $35 | $420 | $500-$1,000 |
| Workers compensation insurance | $62 | $744 | $2,000-$5,000 |
| Commercial property insurance | $40 | $480 | $1,000-$2,000 |
| Business owner’s policy | $70 | $840 | $500-$1,000 |
The average Spin instructor insurance cost is $26 per month or $312 per year for a $1 million general liability insurance. Your actual premiums depend on a couple of factors. These include:
The type of Spin cycle classes offered
The value of Spin equipment and other business property
Revenue
Location
Number of employees
Claims history
Business history
Deductibles
Here’s another table showing how much the best companies charge for their Spin instructor insurance offering a $1 million general liability policy:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| Protectivity | $5.17 | $62.04 | Optional personal accident insurance |
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for Spin instructors |
| CoverWallet | $12 | $144 | Spin instructor insurance online quotes comparison |
| Thimble | $13 | $156 | On-demand general liability insurance for Spin instructors |
| Insure Fitness Group | $14.91 | $179 | Spin instructor insurance with specialized perks |
| Sadler Sports | $16.16 | $194 | US-based Spin instructors |
Get all the best quotes from leading providers in a click of a button!
Once you've identified the Spin instructor insurance policies you need, the next step is identifying the carrier to work with. Here's a review of the best Spin instructor insurance companies available in the market today. Read to know their pros, cons, and cost of a $1 million general liability insurance.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for Spin instructors
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT doesn’t have a Spin instructor insurance program. Instead, you get covered through its indoor cycling instructor insurance. NEXT's indoor cycling instructor package is designed to protect your business from a variety of risks. These include:
Damage to someone's property
Third-party accidents
Professional mistakes
Workplace injuries
Damage to your own property
For $11 per month or $132 annually, you get NEXT's basic indoor cycling instructor package which includes the following:
General liability coverage with a per-occurrence limit of $1 million
Professional liability coverage with a per-occurrence limit of $1 million
You can go for the deluxe coverage option that offers:
General liability coverage with a per occurrence limit of $2 million
Professional liability coverage with a per-occurrence limit of $2 million
$100,000 commercial property insurance
The most expensive is the premiere plan which includes the following:
General liability coverage with a per occurrence limit of $2 million
Professional liability coverage with a per occurrence limit of $2 million
$100,000 commercial property insurance
$100,000 utilities interruption coverage
Best for: Best overall; Fastest general liability insurance for Spin instructors
Average cost: $11 per month
Our rating: 10/10
Manage your insurance online
Compare Spin instructor insurance quotes online
Call and cancel your coverage anytime with no charges
Gives the right coverage at reasonable rates
Not an insurance company but an insurance broker
CoverWallet is an insurance broker that can take you to its partners who grant coverage for Spin instructors. Use CoverWallet’s online quotes comparison tool to see the offers of its partners and get covered online.
When you’re insured, CoverWallet allows you to manage the policies of its partners through its online dashboard. You can get certificates of insurance, pay premiums, and name additional insureds without relying on a customer service representative.
Best for: Spin instructor insurance online quotes comparison
Average cost: $12 per month
Our rating: 10/10
On-demand coverage
Sells long-term and short-term general liability insurance
Numerous floaters to general liability insurance and business owner’s policy
Quick to issue an estimate of your premiums
You can’t reach customer service by calling
Thimble’s Spin instructor insurance program offers a business owner’s policy, stand-alone general liability insurance, and workers compensation insurance.
The stand-alone general liability insurance of this company is available as long-term or short-term coverage.
Thimble’s long-term general liability insurance comes with numerous add-ons such as business equipment coverage, customer property coverage, professional liability coverage, and cyber liability coverage.
On the other hand, short-term general liability insurance doesn’t have add-ons but can be customized to grant protection for hours, days, weeks, or months.
Best for: On-demand general liability insurance for Spin instructors
Average cost: $13 per month
Our rating: 10/10
Savings of up to 38% for Spin instructor insurance
Instant insurance certificate
Prospective policyholders can receive the quotation and pay online for immediate coverage
Competent claims administrators who work quickly and fairly
Coverage in all 50 states
Customer support is only available online
No coverage is offered for non-owned or hired vehicles
A $15 fee is charged to all prospective policyholders at the application
Sadler Sports and Recreation Insurance was founded in 1946 and has since established itself as a go-to brand for businesses and individuals in the recreation and sports industry. What makes Sadler Sports an attractive contender is that they offer quality coverage at the minimum possible cost.
The cheapest Spin instructor policy from Sadler Sports costs $16.16 monthly or $194 annually. For this, you get:
$1 million-$5 million per occurrence limit
$5 million general aggregate limit
$1 million-$5 million products/completed operations aggregate limit
Damage to premises rented to you coverage of up to $1 million
Medical expense payments of up to $5,000
Bodily injury to participants coverage of up to $1 million
Professional liability coverage with a $1 million-$5 million limit
Best for: US-based Spin instructors
Average cost: $16.16 per month
Our rating: 8/10
Instant coverage upon online purchase of the Spin instructor insurance policy
General liability coverage is offered as a standard regardless of the plan you purchase
All policyholders are offered $600 equipment coverage
Industry specialists on board to help prospective policyholders through purchasing the best coverage for their needs
Easy-to-use and responsive website
International coverage
Over 25 years of experience
Claims handling takes longer than what's acceptable
Doesn’t cover USA
Protectivity has established itself as a trusted provider offering specialty coverage, including Spin instructor insurance across the U.K.
The carrier offers automated and efficient online quote technology where prospective policyholders can quickly and efficiently request a competitive price. Alternatively, policyholders can talk to a friendly in-house expert over the phone about the specific insurance needs they have.
Either way, the experts swing right into the action and help you understand the coverage options on offer, policy packages you must consider, and how much these will cost. Basically, with Protectivity, you are assured of personalized service and customizable coverage. This cover includes:
$1 million-$12 million general liability insurance
$1 million-$12 million professional liability insurance
Equipment coverage of $600
Optional personal accident coverage
The basic Spin instructor insurance plan from Protectivity costs $5.17 per month or $62.04 per year.
Best for: Optional personal accident insurance
Average cost: $5.17 per month
Our rating: 7/10
A number of modalities to the Spin instructor insurance are accepted
Instant coverage
Flexible payments using PayPal
Student policy is available
Instant certification offered upon checkout
Occurrence-form protection is included as part of the Spin instructor package
Spin instructor insurance includes stolen equipment coverage
Tons of fitness-related discounts
You get a website aside from getting insured
Less than exemplary customer service
Insure Fitness Group has over 65 years of experience in the holistic health and wellness industry. In 2018, the carrier became a go-to source for personal trainers looking for comprehensive professional liability insurance.
For $14.91 monthly, paid annually at a discounted rate of $179, you not only get comprehensive Spin instructor insurance but also access to member-only benefits like discounted vision and dental plan. Individuals studying to be Spin instructors can purchase a student's policy at $59 per year.
The coverage offering includes:
$1 million per occurrence and $3 million annual aggregate on professional and general liability coverage
Rental damage coverage of up to $100,000
Identity protection of up to $25,000
Stolen equipment coverage of $1,000
Best for: Spin instructor insurance with specialized perks
Average cost: $14.91 per month
Our rating: 8/10
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!
Not all those who wander are lost.
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