Indoor cycling instructor insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the spin class insurance you need to protect your business from accidents, injuries, and legal fees. Our insurance packages typically include:
- General liability
- Professional liability (E&O)
- Workers’ compensation
- Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for indoor cycling studio insurance and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance covers a wide range of indoor cycling accidents and basic risks. You’ll have financial protection if someone gets hurt during a class or you are held responsible for damaging property that doesn’t belong to you. It’s often required by gyms and individual clients.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Coverage against business mistakes and claims of negligence
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of damaging a client’s hearing by playing music too loudly during classes, it could help cover related expenses to defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers' Compensation
Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
You can save up to 25% in discounts on spin class instructor insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$2 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Indoor cycling instructor insurance requirements
Indoor cycling instructors are almost always required to have insurance due to the risk of exercise-related injury and property damage. You might need insurance to:
- Start working as a group or individual instructor. Gyms and clients might ask you to have active insurance — usually general liability or workers’ compensation.
- Hire employees. Most states require workers’ compensation.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about business insurance
Here are some of the most common questions we get about spin class instructor insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect indoor cycling instructors?
Our indoor cycling instructor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
The spin shoes your clients wear for group classes damage the gym’s floor. The general liability coverage in your insurance package could help pay for a repair or replacement.**Accidents that hurt someone
A client trips while getting off their bike and sprains their ankle. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A client claims that your class triggered a serious asthma attack. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
You develop a knee injury from overuse and need physical therapy. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Damage to your own property
Your spin class space is flooded when a frozen water pipe bursts. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with ERGO NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
