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Spin insurance is a type of protection plan designed for spin teachers, instructors, and coaches. It can help you pay for claims of injuries or damages resulting from the classes you teach—such as a student pulling a muscle or a bike damaging the floor.
Insurance Canopy helps spin instructors lower their risks, train in multiple locations or online, meet insurance requirements, and lower or eliminate the cost of a claim.
Yes, spin instructor insurance is required by most gyms and studios where spin classes are taught. Many contracts or teaching requirements will ask you to carry general and professional liability insurance. Plus, you might need to add the business or building onto your plan as an additional insured.
Even if you teach online or out of your home, most home and renters insurance will not cover damages or injuries that occur from your spinning business. Spin instructor insurance can help protect you in most places you choose to train.
Spin teacher insurance plans start at $129. Our annual policy is a one-time payment for a continuous year of coverage, giving you a stress-free and easy way to stay insured. We also offer monthly payments starting at $12.50 a month.
Insurance Canopy also offers additional coverage options. For a small additional price, you can personalize your plan and better protect your business. Our most popular endorsements are Gear & Equipment Coverage, Diet & Nutrition Coverage, and Unlimited Additional Insureds.
1 Additional Insured – $15 | Unlimited Additional Insureds – $30
General Liability Limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
$5,000
Additional Limits
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.
$2,000
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$100,000
$100
There are some thing spin teacher insurance cannot cover, such as:
At the very minimum, spin instructors need general and professional liability insurance. These two coverages can help with accidents that happen in class or as a result of your class (think of someone pulling a muscle during a session or rolling an ankle while tripping over extra gear you had on the ground).
Spin instructors should also look for plans that cover more parts of their business than just what they do in class. These coverages include:
No, physical buildings and locations like a studio are not covered under Insurance Canopy’s spin teacher insurance plans. However, our plans do include coverage for General Liability and Damage to Premises Rented to You. These coverages can help you with accidental damages that occur in a space while you’re teaching.
We also offer an optional coverage option to help you protect the gear and equipment you may own and use for classes or to run your business. Our Gear & Equipment Coverage may help you pay to repair or replace items such as:
Need additional information before making a decision?
Give our team a call today at 888.600.0894
Year-round Coverage Starting at $129 — Spin instructor insurance from Insurance Canopy offers you much-needed protection so you can continue doing what you love—flowing through vinyasas and helping others reach their zen.
All policies have conditions, limitations and exclusions, please read the policy for exact verbiage.
Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.