Pilates Liability Insurance: A Practical Guide for Instructors
While transitioning between machines, a client loses their balance and falls into the
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 coverages. 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
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen MultiservicesExtremely user friendly website, super affordable and very little time needed to apply.
Carl SariExcellent company, Great service, the best!!!
Claudina AdamsSuper affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
AlexReally went the extra mile to find the appropriate coverage for my business.
Daisy BCanopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy AndersonEasy. Convenient. Trustworthy. Came thru in a moments notice
Eddie KAffordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter FlessasSo easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri GonzalezThis company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob SerranoGreat experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn RaeVery helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria CicconeCanopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizkaGetting a vendor policy was quick and fairly priced compared to other quotes.
Kristine FullertonThank you so much
Steve MonrealI needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie CalawayVery easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert EarnestI am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris PachecoVery easy to renew policy
Elyce NissinoffRepresentative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiamWould have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony BurgessVery user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael RileyNeeded DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay SolisWhat a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanovgreat little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje AngellProvides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David FoxThey can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazareverything is excellent
Radames MartinezExtremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan ArvinAffordable for dance & yoga folk. Thumbs up!
Maia ClaireThey provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen MultiservicesExtremely user friendly website, super affordable and very little time needed to apply.
Carl SariExcellent company, Great service, the best!!!
Claudina AdamsSuper affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
AlexReally went the extra mile to find the appropriate coverage for my business.
Daisy BCanopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy AndersonEasy. Convenient. Trustworthy. Came thru in a moments notice
Eddie KAffordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter FlessasSo easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri GonzalezThis company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob SerranoGeneral & Professional Liability Limits
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$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
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$0
Optional Add-Ons
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
$8.25/month
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
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.
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.
While transitioning between machines, a client loses their balance and falls into the
To keep clients safe, fitness instructors should conduct client assessments, prioritize proper routines,
Real insurance claims experienced by our sports and fitness instructors range from wrongful
*Not for sale 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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