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What types of insurance would a spin cycling instructor require?

exmaple public liability, and why would they need these types of insurance
its for a sports report ya dick

The instructor needs both Commercial General Liability (CGL) and Professional Liability. The CGL because the actions or advice given by the instructor can cause people taking their class to injure themselves (there’s also the chance of property damage, however with a fitness instructor the biggest exposure is bodily injury). The Professional Liability because a fitness instructor can work out programs/nutritional routines for people for an number of reason (i.e. lose weight, train for the Olympics, help pass a physical fitness test, etc). If the client feels that their program was a waste of time or, in the case of an athlete, did not help them achieve their goal or miss out on potential income, the client could sue you but a CGL policy will not respond because no actual bodily injury/property damage occurred, you just gave bad advice. I have an insurer that offers a special package for fitness instructors that combines CGL/Professional Liability on one policy and it only costs $325 for the year. However I should point out that this type policy may NOT exist where you live (since you never mentioned what state/province you live in) or if it does it may not be at that price. You should contact a local insurance broker (try the one that insures you home/car) and see what they can find. You may have to contact two or three, but the product is out there. Also many professional organizations have programs for their members to have access to liability insurance at an affordable rate.

Campbell’s spin on cycling

Radio Flyer Tail Spin Trike Bike NEW $58.80

BOYS SHIRT SIZE M SPIN CYCLE $10.99

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Spin Cycle Zoe Strachan Book $4.25

TRON LEGACY LIGHT CYCLE PURSUIT SET BY SPIN MASTER $9.99

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** M012 ZEFAL Zefal Spin Handlebar Mirror $23.00

Spin Cycle: Inside the Clinton Propaganda Machine by… $6.25

Spin Cycle by Howard Kurtz …..President Clinton $1.49

PEARL IZUMI Men’s QUEST MTB Mountan Biking Cycling Spin Shoes EU 42 / US 8 $44.50

FREEWHEEL SPIN ON BICYCLE 6 SPEED 14-28 SIS SILVER $21.00

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Mt. Borah Woman’s Cycling Spin Jersey $15.05

Hoss MTB Ponderosa Cycling Shorts Blue Baggy biking Medium Gym workout Spin NEW $34.99

NEW Mavic Spin Tights // Womens Medium Black Winter Warm Road Mountain Bike MTB $54.99

Guided by Voices Fast Japanese Spin Cycle Vinyl 7″ RARE $24.99

Spin Cycle by Sue Margolis $4.00

Connell Spin Cycle 1 Rider Towable $69.99

ZEFAL SPIN HANDLEBAR MIRROR Universal Mounting Multi-Position Shock- Resist NIP $9.99

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Women’s Louis Garneau Ergo Grip Cycling Spin Shoes Size 6.5 37 $22.00

Spin Cycle Loops CD – Awesome Loops for Web Use $19.00

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Star Trac Spinner Pro Spinning Spin Bike Indoor Studio Group Cycle $495.00

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TITANIUM SEATPOST 27.2 X 400mm SPIN T-ZERO SPIFFING RED $156.45

Out of the Spin Cycle: Devotions to Lighten Your Mother Load, Jen Hatmaker, Acce $5.99

SIDI 2010/2011 Vigo (spin) Black Size 10 $119.00

SIDI 2010/2011 Vigo (spin) Women’s White size 39 $119.00

NEW Nike Spin Trainer Plus Cycling Spinning Shoes Women’s US 5.5 EU 36 $0.99

Spin Doctor Headset Bearing Cup Press for Bicycles $38.00

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NEW Specialized Motodiva Shoes // 7.5 38 Clipless Mountain Bike MTB Black Spin $59.99

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NIB New Specialized Torch women’s Road bike Spin shoe EU 37 US 7 Silver pink $74.99

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PEARL IZUMI CYCLING STRETCH COMPRESSION GRIPPER BIKE SHORTS -Road Spin–Mens Lrg $5.50

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

NIB Cannondale Range MTB/Spin Shoe (multiple sizes and colors available) $39.95

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Out of the Spin Cycle: Devotions to Lighten Your Mother $5.57

Life in the Spin Cycle NEW by Shawn B. Childers $27.30

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Shimano SH-WF21 37EU 5.5 US NIB Cheap spin shoes spd $45.00

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Fast Japanese Spin Cycle, Guided by Voices, EP $6.98

(VHS) Quantum Leap Field Trips With Pug and Zero: Spin Cycle (children’s series) $1.25

Wilson Spin Cycle 16L Tennis String Natural Color $8.95

Shimano SH-WF21 Spin Shoes $65.00

Spin Cycle by Howard Kurtz (hardcover) $2.49

HOTWHEELS MADNETICS SPIN CYCLE $14.99

Shimano SH-WF21 Spin Shoes $65.00

NOS VINTAGE DYNO DESIGN SPIN TECH SAKAE RINGYO OUT OF 1987 DYNO PRO COMPE BUILD $36.00

NEW DIADORA CAYMAN SPIN MOUNTAIN CYCLING SHOE SIZE 7 $38.00

NEW DIADORA CAYMAN SPIN MOUNTAIN CYCLING SHOE SIZE 5.5 $38.00

NEW Zefal Spin Bicycle Bike Handlebar Mirror NIB $16.99

Shimano Spin Shoe $55.00

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Rare NOS White F.I.S. MAGS Old School BMX Skyway FIS ACS GT Tuff Z Spin OGK Haro $299.99

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SPIN Carbon MTB 26″ Wheelset $20.50

Spin Spinergy Carbon Fiber Composite Trispoke MTB Wheelset 26″ $269.00

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Speedplay X5 pedals + cleats – spin smoothly – road/hybrid -clip-in $35.00

SPOKINN MOVEMENT – 60 MIN. SPIN CYCLE [CD NEW] $10.28

New MKS Spin Pedal Flips Pair (2x) Fixie Road Bike Fixed Gear Pedal Parts $14.99

ENDURANCE Evergreen to Red Rocks CO Indoor Cycling Leg Spin Workout Video DVD $21.95

TRAINING TO WIN Aircenter Crit Challenge Indoor Cycling Leg Spin Workout Video $21.95

NEW Somewhere During the Spin Cycle – Mills, Joseph $12.04

Cycles of Spin NEW by Patrick Sellers $92.01

Reef 2007 Spin Cycle 31 Mens Surf Shorts Surfer Shorts $24.00

RARE BMX SPIN CR 175 Carbon Fiber 20″ Wheels (Front & Rear) with Flip-Flop Hubs $250.00

MAJESTIC SOUL Spin Cycle/Rump Roast 7″ NEW VINYL Lugnutbrand $8.99

NEW DO-ALL TRAPS SPIN CYCLE SPINNING HANDGUN TARGET SC38 Free Shipping $155.00

SPIN TEAM 09 CYCLING (BIKE) JERSEY NIP szXL $0.99

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Hoss MTB Ponderosa Cycling Shorts Grey Gray Baggy biking SM padded Spin Gear NEW $39.99

Tron Legacy Light Cycle: Kevin Flynn Opening cockpit NIB Dsiney Spin Master 2010 $9.95

Pearl Izumi X ALP Seek Womens Bike Shoe Size 37 good for spin class $0.99

Bullet Proof Anti Spin Ribbed Steel Axle Pegs. Fits 3/8″ or 14mm axles. 38 X 125 $20.00

Spin $10 Spin

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Every Woman’s Guide to Cycling $12.99 More women than ever before are jumping on their saddles to enjoy one of the fastest growing sports in the country-and to improve cardiovascular fitness, control their weight, and liven up their social lives. At the same time, cycling remains very much a “man’s sport,” an intimidating world that can be difficult for women to navigate. Now celebrity spokeswoman Selene Yeager covers all the basics-for all ages and fitness levels. Women will learn… – How to find the perfect bike and other essential equipment – How to shift, spin, climb mountains, and get back down – Training techniques that take it up a notch – What to eat off-and on-a bike – Competition craziness-race information and strategies – Why guys who work in bike shops act the way they do – And more!

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