How to Use a Zumba Liability Waiver for Extra Protection
Before you start grooving to that irresistible Zumba® beat, you begin with a
High-Quality Coverage for Professional Spin Teachers
In the fast-paced environment of a spin class, you need an insurance plan that can keep up. Insurance Canopy includes both general and professional liability coverage in your spin insurance, protecting fitness instructors like you while in the saddle at the studio or online.
Purchase spin liability insurance in 10 minutes or less with our online application and receive your Certificate of Insurance (COI) instantly.
Our occurrence form coverage protects you from accidents that occur during your policy, regardless of when you file.*
Ready to take your spin instructor business to the next gear? For no extra cost, enjoy valuable resources curated to help you run and grow your enterprise.
Spin instructor liability insurance is a 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 — like a student pulling a muscle or a bike damaging the floor.
Insurance Canopy helps you lower your risks while spinning, train in multiple locations or online, meet insurance requirements, and lower or eliminate the cost of a claim. We can also help you insure your gear and equipment against theft and accidental damage.
Yes; spin instructor insurance is required by most studios where spin classes are taught.
In fact, many contracts or teaching requirements require you to carry general and professional liability insurance. With Insurance Canopy, you can easily access your policy online to share your COI, add additional insureds, and file a claim at any time.
Also, if you teach online or out of your home, keep in mind that most homeowners’ and renters’ insurance will not cover damages or injuries that occur from your spinning business.
Our spin instructor insurance plans start at $159/year, with monthly payments starting at $15/month. The annual plan can help you save an additional 13% per year while giving you a stress-free, continuous way to stay insured.
You can also personalize your plan by adding optional coverage. Our most popular add-ons are:
Our spin insurance covers you in most places while teaching in multiple locations nationwide.* Unlike other insurance companies, we won’t raise the price of your policy based on your zip code or the number of places you teach in!
We Have A (Nearly) 5 Star Rating
Affordable plan and very easy to access when I need it
Angela LobiancoAlways easy to use! Thank you!
CahillandDelene Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich BonifazioI have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela FischettiThank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn BozeAlways done very well for us. Highly recommended.
Kenny CasanovaNothing but positive things to say. Great company, have used them for years.
Brandon KennedyI think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf quick and easy to sign up and did not break the bank!!
Michael “Michael”Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert CaudleEasy to apply online, it take 5 mins and get your provf of Insurance.
Francesca WineI had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia BoroczkThis insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary BlacktonJust the insurance I needed. I wish the website would allow me to share pages!
Ellen BrodskyIt was fast and easy.
Vincent CabelloChat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaneyProcess was easy. Relevant information accessible. Platform is very user friendly.
Carolina SantosThe agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel HarrisonI've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron CopenhaguenI was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More
Greg HooverInsurance Canopy gives me peace of mind for my practice.
Adriana Chacongreat experience so far, always able to reach a human representative on the phone!
New GrooveVery easy process to get peace of mind
Kristen TalusanReasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate WhelanSuper friendly service..
Kristina StrongGetting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.
Herman HildoI Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff
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Roland CacheFast procedure with clear price options. Did everything in less than 5 minutes
Ron GeraciThe wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.
susan fletcherAffordable plan and very easy to access when I need it
Angela LobiancoI have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela FischettiGreat company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich BonifazioAlways easy to use! Thank you!
CahillandDelene Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn BozeNothing but positive things to say. Great company, have used them for years.
Brandon KennedyAlways done very well for us. Highly recommended.
Kenny CasanovaI think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf quick and easy to sign up and did not break the bank!!
Michael “Michael”Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert CaudleGeneral & Professional Liability Limits
$3,000,000
$3,000,000
The amount 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
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-ons
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
Included when added
+$15
+$30
At the very minimum, spin instructors need general and professional liability insurance.
These two coverages can help with most accidents caused by your class (think of someone pulling a muscle during a session or rolling an ankle while tripping over the 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, one policy can easily follow you throughout your career, whether you spin in lots of larger classes or choose to cruise through a few small sessions.
Our policy also covers full-time, part-time, and student spin instructors. We believe you deserve the best protection possible, regardless of how many hours you work each week.
An accident can happen to a seasoned full-time instructor just as easily as it can to a student instructor, so it’s important to have coverage you can rely on.
You can also add additional coverage to your policy at any time, allowing you to customize your policy for your needs as you grow your spin business. Our Gear & Equipment Coverage does offer multiple tiers of coverage for you to choose from, with prices starting at $1.33/month.
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 liability claims. Insuring your studio would require you to have property insurance.
Our plans include General Liability Insurance 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 is just $16/year and may help you pay to repair or replace items such as:
Spin instructor insurance can cover you for a lot of common accidents you may face. The most popular claims we see include:
Slips, trips, and falls: As the instructor, it’s your job to keep your space safe. The general liability portion of your policy may cover accidents where someone trips over a bike, slips on sweat, or falls when standing up during a ride.
Student injuries and illnesses: If someone is hurt during your classes, the product liability portion of your policy may help cover their medical expenses. It could also cover this if you fail to properly disinfect the bikes between classes and students get sick.
Accidental damage in a studio: A student might accidentally break a studio’s bike, or trip while getting off a bike and damage a mirror on the wall. The studio could make you pay for repairs, and the general liability portion of your policy may help cover these expenses.
Damage to student’s property: If you fail to check the safety of the bikes before class, and one of the pedals breaks a student’s shoe clips, the professional liability portion of your policy may help you replace the broken shoe clips.
Failure to commit to contracts: You may have committed to teaching a certain class schedule, but you’re unable to make a class and find a substitute. The professional liability portion of your policy may help you pay for a studio’s lost revenue if they claim you failed to uphold your end of the contract.
There are some things spin insurance cannot cover, such as:
Need additional information before making a decision?
Give our team a call today at 888.600.0894
Spin instructor insurance offers much-needed protection to continue doing what you love — helping others spin their way to a healthier lifestyle.
Before you start grooving to that irresistible Zumba® beat, you begin with a
Your student, who dreams of becoming a professional dancer, suffers a torn ACL
You don’t have to be an adrenaline junkie or daredevil to be familiar
*Not currently available in Missouri.
**All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
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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.
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