Liability Insurance for Spinning Instructors | What Indoor Cycling Teachers Should Know
Spinning instructors, there are a few important boxes to check before you can start your cycling career. For starters, you must get a Spin Instructor Certification. Once you have your spinning certification, you’ll need to land a job at a fitness studio and build a variety of workout routines to ensure that you can attract a good client base. Finally, once you have locked down an employer, you will want to protect your newfound career by purchasing Spinning Instructor Insurance, a general liability insurance policy built for spin instructors. The spin studio that you are employed at may provide this for you but it’s always best to do your research, as your spin studio policy may not cover you if you teach at multiple locations.
As a spin instructor, your main job is to help students of all ages and fitness levels to achieve their goals – whether those goals involve losing weight, building strength, or enjoying exercise.
But, before you jump on a stationary bike, blast your favorite playlist, and get your first spin class underway, it’s important that you understand the risks of your job and ensure you are protected in the event of an injury.
General liability insurance, also called commercial general liability insurance, can help protect you from third-party insurance claims related to bodily injury and property damage. Commercial general liability can also assist in covering the costs of third-party medical bills as well as any legal fees that are incurred in the event that one of your students is injured while under your instruction and seeks legal action. So, for example, a rider who is giving maximum effort in your class drips sweat all over the floor surrounding their bike and doesn’t clean it up. After the workout, another spin student walks by and slips on the sweat, falls down and injures themselves. Indoor cycling insurance could help cover costs related to the injuries. Spin instructor insurance can also cover costs associated with repairing or replacing others’ equipment that gets damaged during your cycling class.
General liability claims may not seem likely; after all, people take spin classes all the time, without injury. Still, one slip could cost thousands of dollars in hospital bills and even more in legal fees. An injured student who blames your instruction could bring a lawsuit, causing tremendous financial damage. What are some of the risks of teaching without spin instructor insurance? A rider's foot could slip out of the pedal while they're pushing at maximum effort, causing ankle or knee damage, or a student could over-exert themselves, leading to serious health risks. A rider in a beginner spin class could also allege that you pushed your spin students beyond their physical capabilities, using expert moves during what was supposed to be a beginner class.
Most gyms, health clubs and fitness studios require spin instructors to have insurance before they're allowed to teach, so it is in your best interest to do your research prior to taking on an instructor role. Even Flywheel instructors who own or rent studio space should invest in liability insurance because it demonstrates to clients that they're serious about their profession and are dedicated to protecting themselves, their business, and their customers.
Indoor cycling general liability insurance can be confusing. There are some questions to ask as you begin to research and shop for general liability insurance policies. Never make the mistake of assuming what is and isn't covered under your employer's policies; if you rent space from a gym, you might not be protected under their insurance policy and will need your own. If you teach other fitness classes and have a separate type of insurance for those, ask if your spin instruction is covered as well. If you teach cycling at multiple studios, ensure you're covered at all locations where you teach.
In addition to liability insurance, indoor cycling instructors may also want to consider investing in professional liability insurance. This isn't always included in general liability policies and it can help protect you from mistakes made while on the job. Abusive misconduct is another coverage option that spin instructors should consider, as it can help protect you against claims of verbal, sexual and physical abuse. Make sure you do your research prior to purchasing an insurance policy.
While general liability insurance is important to your career as a spin instructor, your top priority should always be your clients' health and safety. Be sure to use the right training techniques, practices, and keep an eye out for potential risks in the gym.