Spin Instructor Insurance
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Benefits of Insurance Canopy’s Insurance for Spin Instructors
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.
What Is Spin Instructor Insurance?
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.
Do I Need Indoor Cycling Instructor Insurance?
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.
How Much Does Spin Instructor Liability Insurance Cost?
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:
- Gear & Equipment Coverage (+$1.33-$10.67/month)
- Diet & Nutrition Coverage (+$6.83/month)
- Unlimited Additional Insureds (+$30/year)
- Sexual Abuse & Molestation (SAM) Insurance (+$10.33/month)
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!
Coverage Details
General & Professional Liability
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
General & Professional Liability Each Occurrence
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
Products Completed Operations Aggregate
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
Personal & Advertising Injury
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
Damage to Premises Rented to You
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
Medical Expense Limit
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
Deductible
The amount we deduct from a claim before paying up to your policy limits.
$ 0
Gear & Equipment Coverage
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
Cyber Liability Coverage
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.
$8.25 – $12.50/month
Diet & Nutrition Coverage
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.
$6.25/month
Additional Insureds
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.
$1.25 – $2.50/month
Sexual Abuse & Molestation (SAM) Insurance
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
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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 Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super 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
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable 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 Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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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 Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super 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
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable 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 Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I 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 Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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 Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative 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.
queenkiam
June 18, 2025Would 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 Burgess
June 18, 2025 -
Very 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 Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What 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 Rusanov
June 18, 2025 -
great 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 Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Spin instructor insurance offers much-needed protection to continue doing what you love — helping others spin their way to a healthier lifestyle.
Questions About Spin Instructor Insurance
What Insurance Do I Need as a Spin Instructor?
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:
- Additional Insureds
- Gear & Equipment Coverage
- Diet & Nutrition Coverage
- Product Liability Insurance
- Medical Expense Coverage
- Personal & Advertising Injury
- Damage to Premises Rented to You
- Cyber Liability Insurance
- Occurrence Form Coverage
Are There Different Levels of Coverage Based on My Experience or Class Size?
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.
Does My Insurance Cover My Studio?
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 starts at just $16/year and may help you pay to repair or replace items such as:
- Stationary bikes
- Cycling shoes
- Cooling towels
- Weights
- Water bottles
- Seat cushions and saddles
- Heart rate monitors
- Filming gear for online classes
- Electronics for mobile payments
- Laptops used for business purposes
What Types of Risks Are Specifically Covered Under Spin Instructor Insurance?
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.
What Isn’t Covered By Spinning Instructor Insurance?
There are some things spin insurance cannot cover, such as:
- Use of non-stationary bikes, such as indoor track cycling, trail and mountain biking, and recreational biking
- Certified Athletic Trainers affiliated with any organized sports or athletic teams
- The sale, distribution, recommendation, prescribing, or administration of any pharmaceuticals, controlled substances, narcotics, or vitamins and supplements
- Medical, therapy, or health care services for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, or schools
- Water fitness, aerial yoga, pole dancing or fitness, exotic exercise, martial arts, physical contact training, and military or police-style training
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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*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.