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Spin Instructor Insurance: Quotes from $11/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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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. 

Spin Instructor Liability Insurance


CoverWalletNEXT (Best)ThimbleInsure Fitness GroupProtectivitySadler 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$1,000,000Excluded$1,000,000/$5 ,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$2,000,000$1,000,000ExcludedExcluded
Tenant’s legal liability coverage limit$300,000
$100,000$100,000$100,000Excluded$1,000,000
Waiver of subrogation included?YesIncludedIncludedExcludedExcludedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedExcludedExcludedExcluded
Equipment breakdown floater included?NoYesYesExcludedYesYes
Can you get a certificate of insurance online?YesYesYesYesYesYes
Name additional insureds?YesYes
YesYes
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


Spin Instructor Professional Liability Insurance


CoverWalletNEXT (Best)
ThimbleInsure Fitness GroupProtectivitySadler 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?YesYesYesYesNoYes
Waiver of subrogation included?YesNoYesNoNoYes
Claims for abuse and molestation also covered?NoNoNoYesNoYes
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

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Commercial Property Insurance for Spin Instructors


CoverWalletNEXT (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 signsExcluded$2,500$2,500
Accounts receivable ExcludedExcluded$5,000/$10,000
Money and securitiesExcluded$2,500$1,000
Lock and keys ExcludedExcludedExcluded
Business interruption floaterExcludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000
Employee dishonesty floaterExcluded$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. 


Business Owner’s Policy for Spin Instructors


CoverWalletThimble (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?YesYesYes
Name additional insureds for free?YesYesYes
BOP discount?YesYesYes


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.

 

Workers’ Compensation Insurance for Spin Instructors

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. 

 

Spin Studio Insurance 

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. 

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Spin Instructor Insurance Cost 

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 MonthCost per YearDeductible
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 MonthCost per YearBest for
Protectivity$5.17$62.04Optional personal accident insurance
NEXT$11$132Best overall; Fastest general liability insurance for Spin instructors
CoverWallet$12$144Spin instructor insurance online quotes comparison
Thimble$13$156On-demand general liability insurance for Spin instructors
Insure Fitness Group$14.91$179Spin instructor insurance with specialized perks
Sadler Sports$16.16$194US-based Spin instructors

 

Compare Cheap Spin Instructor Insurance Online

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Best Spin Instructor Insurance Companies 

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.


NEXT Spin Instructor Insurance

Pros

  • 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

Cons 

  • 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



CoverWallet Spin Instructor Insurance

Pros

  • 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

Cons

  • 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


Thimble Spin Instructor Insurance

Pros

  • 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 

Cons

  • 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


Sadler Sports Spin Instructor Insurance 

Pros

  • 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

Cons

  • 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


Protectivity Spin Instructor Insurance

Pros

  • 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 

Cons

  • 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


Insure Fitness Group Spin Instructor Insurance

Pros

  • 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

Cons

  • 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


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