Learn about the types of insurance coverage that spin class instructors need.
Due to the fast-moving, aerobic nature of indoor stationary bicycle riding, spin instructors and spinning gyms need to make sure that they have the right protections in place. Luckily, having the right insurance coverage can help spin instructors protect themselves from a variety of risks. Here’s what you need to know about spin instructor insurance.
If you are a spin instructor, it’s extremely important that you have personal liability insurance. This type of insurance will protect you against claims of sexual harassment, personal injury, and other liability issues. Additionally, spin instructors should also have professional liability insurance. This type of insurance will cover you in the event that you are accused of negligence or error when delivering professional advice or performing professional services. For athletic trainers and fitness instructors, professional liability insurance is commonly referred to as malpractice insurance.
If you are running a gym, school, or recreational center that offers indoor cycling, then your instructors should provide you with proof that they are individually insured. In addition to this personal coverage, your business should also offer your spin instructors coverage as well. You should be sure to have commercial property, general liability, workers compensation, and employment practices liability insurance in place for your business. To ensure that your business is offering your employees the business insurance that they need, make sure that they are added to your gym’s policy as “additional insureds.”
These are some of the coverages you should have in place as a spin instructor or as a gym that offers spin classes to customers. Interested in getting the right insurance coverage for your commercial endeavors? Don’t hesitate to contact the experts at John E. Peakes Insurance Agency. We are ready to get you the coverage that you need today.