View Full Version : Liability Insurance

02-27-2010, 01:20 PM
Does anybody know how much is a reasonable amount for liability insurance for an independent spinning instructor? $1 million perhaps......or more?

02-27-2010, 02:44 PM
Before you buy liability insurance, check where you teach to see what your employment status is, employee vs. independent contractor, and what their liability insurance covers. If the club is reputable, they have insurance that covers their instructors.

03-01-2010, 08:24 AM
Hi Spin Bob,
If you are an independent contractor (1099), what type of insurance (if any) would you recommend?

03-06-2010, 11:07 AM
Hi Kyra,

I'm an independant and I carry my insurance thru Sportsfitness.com for 2,000,000/1,000,000. It costs around $175 a year. I've used them for 5 years. There may be cheaper companies out there but I always forget to research it until its time for my policy to be renewed:o

Hope this helps.


03-06-2010, 05:57 PM
Hi Dru,
Thanks for your reply. I paid about $175 per year through Ideafit.com
I've never dealt with a claim but someone told me they were good.

I have also heard of cheaper premiums- $85-100 for similar coverage but I haven't any luck finding them.

But thanks for letting me know.

03-06-2010, 10:07 PM
Hi Spin Bob,
If you are an independent contractor (1099), what type of insurance (if any) would you recommend?
Sorry I'd get back sooner, but I've never been an independent contractor, so I can't say. I just know that if you are one, most likely, the club you work for doesn't cover you on their plan.

03-07-2010, 02:31 PM
Thanks, Bob. I knew you had expertise in this area.
I guess I'll just stick with what I have.
I would love to be on payroll- tax time stinks with a 1099!

03-09-2010, 05:30 PM
I'm both. I am also required to carry a $1 million policy for my MI duties. I got mine for around $179 a year. I can't remember the provider, but the renewal just came last month.

Mine is for personal trainers/aerobic instructors. I've got to make sure that I have access to liability waivers or keep an additional copy for my own records.

03-29-2010, 09:13 AM
I have to carry insurance being that I work at Pilates studios and teach privates out of my home.
Mine is thorough the company that AFAA uses and the cost is $171.00 per year.

06-04-2011, 02:48 PM
Thanks for the info. This helped me find a new company that saved me several hundred dollars!

old spinster
07-12-2011, 04:11 PM
I have insurance thru IDEA and their prices are very comparable to AFAA. You can get an instant policy online.