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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
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed LevittAs a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie WilliamsThis insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony FelixRepresentative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John BI’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeonSuper easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana ZavalaI needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan TedescoGreat coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve BryantWas waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad LaiblyGreat and affordable insurance
Peter DAntoniBeing a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeillyI’m just saying that is easy to get the vendors insurance with this company
Silvia DelgadoDefinitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert AvilaYour site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca RubyQuick easy sign-up convince is great
Vincent DavanzoGreat to work with. Always available for assistance.
Two Pour Girls BartendingBest customer service I have ever had in regards to insurance.
Edward FindleySuper easy and convenient. Just renewed, thanks.
Wendy BergGreat to work with. Always available for assistance.
Courtney AraneoThis is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie SundgrenCanopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando FerreiraVery easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith JrRey was amazing. So easy! So fast!
Herman KochAlways treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark PaquinExcellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana WyldShe is positive and friendly !
Alan DyninHad a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul TolleI am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don KirbyBest price I have found! Excited to be a customer
Dustin PriceTLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed LevittAs a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie WilliamsThis insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony FelixRepresentative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John BI’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeonSuper easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana ZavalaI needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan TedescoWas waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad LaiblyGreat coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve BryantGeneral & 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
Price
$1.33–$5.55/month
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/month
$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
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.
Are you ready to help clients crush their fitness goals in sunny California?
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*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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