Spin Instructor Liability Insurance

	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

Spin Instructor Professional Liability Insurance

	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

Commercial Property Insurance for Spin Instructors

	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.

Business Owner’s Policy for Spin Instructors

	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.

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.

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 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

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