Spinning Class Instructor Insurance: What Do I Need?

What kind of indoor cycling instructor insurance do you need? Due to the fast moving, aerobic nature of indoor stationary bicycle riding, aka “spinning”, as a spin instructor or owner of a spinning gym you should have an affordable general liability insurance policy.

You may also want to consider spin instructor insurance coverage to protect yourself from claims of sexual abuse and/or molestation, medical payments and professional liability insurance.

The bottom line is that as a spinning instructor, you can protect yourself and your business by knowing the types of liability insurance you should have and securing affordable coverage.

Do I Need Spinning Instructor Insurance?

What are Indoor Cycling Insurance Risks?

You may not need all of the following types of coverage but read on... Due to the unique nature of spinning, you would be wise to have some form of indoor cycling instructor insurance.

This is because with the weighted stationary bicycle wheels and the competitive environment that spinning fosters, injuries are possible or over exertion may occur at any time before, during or after a spinning workout.

Examples of potential spinning hazards:

  1. In the Zone: A participant who is totally “in the zone” sweats profusely on the floor and doesn’t clean it up, leading to a slipping hazard. After the workout their neighbor on the next bike slips on the sweat, falling down from the upper bike tier to the middle tier and chipping her front tooth in the process.
  2. Hit the Brakes!: A student is going full speed and suddenly decides to stop the weighted wheel of the bike with their legs… But the wheel keeps going twisting the student’s ankle and tearing their knee tissue in the process.
  3. Feel the Beat: Getting into the music, a student tries to maintain his 150 BPM heart rate and 500 Watts of power for an extended period, over-exerting himself. The next thing you know he's is on the floor having a heart attack... Do you know CPR?

Any of these could happen during a spinning class.

FITCO offers general liability as well as professional liability coverage for spinning class instructors including certified professionals, franchise owners and operators and independent contractors.

My Gym Offers Spinning… What Insurance Do I Need?

If you are running a gym, school or recreational center that offers indoor cycling, your instructors should provide you with copies of their liability insurance. You should also ask them to have your gym named as an “additional insured” on their policy.

In addition to requesting proof of spin instructor insurance from your trainers, your gym should also have a business property and general liability policy, as well as other insurance such as workers compensation and employment practices liability insurance.

Does Spin Instructor Insurance Include Professional Liability?

Professional liability coverage provides you with protection from claims of negligence while delivering professional advice or performing professional services. For personal trainers and athletic trainers, professional liability can also be referred to as malpractice insurance.

If a client follows your professional advice in the course of your duties as a spin instructor, and they hurt themselves, they could make a claim against you for negligence. Indoor cycling instructors choose the music and set the pace of the spinning regimen for their classes. As such, your students may blame you for any injuries they suffer.

Athletic trainer professional liability insurance, is also referred to certified trainers professional liability, or as errors and omissions (E&O) insurance or malpractice insurance.

Join the thousands of certified personal trainers who have chosen FITCO to protect them from being sued for bodily injury or damages that may occur in the course of their training.

What are the Benefits of Spinning Instructor insurance from FITCO?

Affordable: Insure yourself for as little as $ 0.63 cents per day.

Credibility: Establish credibility and professionalism with your clients and partners by having insurance. They will appreciate when you tell them that you have spin instructor insurance and that you may provide them with coverage as additional insured at their request, as described below.

Broad protection: Unlike certain other spinning instructor insurance policies that exclude important coverages such as sexual abuse and molestation, FITCO includes sexual abuse and molestation coverage automatically. Also, fitness instructor professional liability coverage can be added for a small fee as an additional endorsement at your request.

General Liability Coverage:

  • $1,000,000 per occurrence/$3,000,000 aggregate
  • $100,000 sexual abuse/molestation coverage
  • $1,000,000 personal & advertising injury coverage
  • $3,000,000 products and completed operations coverage
  • $100,000 damage to rented premises coverage
  • $2,500 medical payments coverage

Need more coverage? No problem! Additional per occurrence and general aggregate policy limits are available up to $2,000,000 per occurrence and $5,000,000 aggregate for only pennies a day.

Additional Insureds: If you are a spinning instructor who provides classes at a local gym or rec center, the gym owner may require you to name them as additional insured on your general liability policy. With FITCO, adding a gym or rec center as an additional insured is no problem. In fact, the first 10 additional insured are free, and just $25.00 thereafter. Zero deductible: General liability policies have zero deductible. Certified trainer professional liability insurance may also have zero deductible.

Get started with FITCO today!

Continue Reading...

CrossFit Instructor Insurance: What Do I Need?

As a certified CrossFit™ instructor, trainer or coach, you’ve committed yourself to both to CrossFit and to helping others achieve their goals of improved personal achievement and physical performance.

Whether you are an independent CrossFit instructor, or run a CrossFit business with your own CrossFit gym, you can protect yourself and your practice from bodily injury and/or property damage claims with CrossFit instructor insurance from Fitco.

If you have your own CrossFit gym, commercial general liability insurance coverage protects you, the insured, from claims by third parties who may be injured on your premises. As the insured, commercial general liability coverage also protects you against claims for bodily injury and property damage that may arise out of the course of your operations, including products and completed operations and personal and advertising injury.

CrossFit Instructor Insurance

If you rent space in someone else's facility, having CrossFit instructor insurance should provide you with coverage for damages that may occur to the space that you use or lease. Insurance is there to help cover the costs of any damages.

Having adequate insurance coverage demonstrates to both your clients and your partners that you are serious about your career as a CrossFit trainer and are operating at a level higher than the amateur who has only casually committed themselves as a fitness instructor.

Crossfit instructor insurance from Fitco is available in all 50 states and may be acquired for as low as $0.63 cents per day! No deductible will apply for liability claims.

Crossfit Instructor Insurance Includes:

General Liability Coverage

  • $1,000,000 per occurrence/$3,000,000 aggregate
  • $100,000 sexual abuse/molestation coverage
  • $1,000,000 personal & advertising injury coverage
  • $3,000,000 products and completed operations coverage
  • $100,000 damage to rented premises coverage
  • $2,500 medical payments coverage

Need more coverage? No problem! Additional per occurrence and general aggregate policy limits are available up to $2,000,000 per occurrence and $5,000,000 aggregate for only pennies a day.

Additional Insureds

If you provide classes at a local gym or rec center, the gym owner may require you to name them as an additional insured on your general liability policy. With Fitco, adding a gym or rec center as an additional insured is no problem. In fact, the first 10 additional insured are free, and just $25.00 thereafter.

Exclusions

Why are exclusions important to understand? Exclusions are contained within every insurance policy to describe what is NOT covered. CrossFit training programs can include programs focused on CrossFit Kids, a special adaptation of the CrossFit program for children. If you run a CrossFit Kids program, Fitco insurance includes sexual molestation coverage to provide $100,000 of coverage per occurrence ($300,000 aggregate coverage) to protect against claims of sexual abuse or molestation by children or their parents.

Additional Professional Liability Coverage

As a certified CrossFit instructor or coach, you are considered by your clients to be an expert in CrossFit training. As such, your clients look to you for advice and guidance for how best to apply a CrossFit regimen to achieve their personal fitness goals. You develop the regimen, which may include running, sprinting, endurance training, weightlifting, plyometrics, kettlebell training, powerlifting, pullups, pushups, rowing and other exercises. Your students get busy doing the work. But if a student incurs an injury or harms themselves during a training session while following your instructions, or as a result of your instructions, you may be liable for any injuries they suffer.

You can protect yourself from this exposure by getting professional liability insurance, also called errors and omissions coverage, in addition to your general liability coverage.

Get started with Fitco insurance for your business today!

Continue Reading...

Is Brazilian Jiu Jitsu a Superpower?

While superpowers are often thought of to exist only in the realm of comic books... Brazilian Jiu Jitsu may be the path to achieving super-human abilities.

That is the belief of Jocko Willink, former Navy SEAL commander of Task Unit Bruiser, one of the most decorated and successful SEAL teams in history and leader of the battle of Ramadi in Iraq.

In addition to being an accomplished author, host of a popular podcast on discipline, and one of the most dangerous soldiers on the planet, Jocko is a black belt in Brazilian Jiu Jitsu, a highly practical, widely respected form of martial arts. Jocko credits the sport with providing him with an extraordinary level of skill both on and off the battlefield.

Rolling in Brazilian Jiu Jitsu Needs the Right Insurance

Jocko is also the co-owner of a Brazilian Jiu Jitsu training gym, Victory MMA, in Venice Beach, California. This is where Jocko and his instructors help people of all ages, women and men, to learn the value, nuances and power within the sweet science of Brazilian Jiu Jitsu, aka BJJ.

When sparring, BJJ fighters combine wrestling moves with aspects of boxing and multiple martial arts, specifically Jiu Jitsu, a Japanese martial art that historically focuses on “small circles”, using leverage with an opponent’s joints or extremities to gain an advantage and take control or take them down.

BJJ goes a step further by moving toward grappling, and striking with joint, arm, leg and neck locking positions that ultimately result in a tap out, or submission, by one of the combatants.

The ultimate takedown in BJJ can be applied with a rear naked choke. A hold that if not defended against, will put your opponent to sleep.

How is Brazilian Jiu Jitsu a Superpower?

Unlike many martial arts, such as Tae Kwon Do or most forms of karate, sparring does not focus on standing punches and kicks. A BJJ match may start standing up, but ultimately ends up where 99% of fights do… On the ground.

Knowing some Brazilian Jiu Jitsu can be essential to professional mixed martial arts (MMA) fighters of any specialty. Indeed, professional MMA bouts that may start with boxing, Muay Thai kickboxing or other martial art, will inevitably end in a complex, violent wrestling match.

This ground level violence is where BJJ excels.

What makes BJJ in the gym different from virtually all other forms of martial arts training is the realistic nature of the practice that occurs in every BJJ training session. When “rolling” on the mat, students of all skill levels are fighting more or less as they would in the real world. The skills they learn training with their fellow students are the same skills they would apply were a real fight to go down in a bar, on the street or in a battlefield situation. The fights in the gym become takedowns that end up on the mat, and result in submissions, tap outs and chokes. Injuries are common.

I can personally remember the first time I saw the power of knowing Brazilian Jiu Jitsu. The Ultimate Fighting Championship (UFC) with Royce Gracie vs. Ken Shamrock in UFC1 back in 1996. It was UFC1... Over 20 years ago! In the ring, the Octagon (thank you Chuck Norris!), the two fighters looked mismatched. Ken Shamrock was massive, shirtless, tall and ripped with muscle and looked like a brawler borne of nose breaks, scars and untold stories of rough road and a penchant for violence. Royce, on the other hand, looked polished. He appeared small by comparison to Shamrock. Royce wore his black belt and a traditional Gi, the martial arts uniform you see little kids wearing as they leave the karate studio.

But then the fight happened.

Royce CRUSHED Shamrock. He submitted him in less than 1 minute into the fight! It was so fast, the ref almost missed it. What!? It was crazy. Everyone thought it was crazy... No one knew about Brazilian Jiu Jitsu.

This general audience confusion led to a rematch. In Royce vs. Shamrock II, a drawn out battle of 36 minutes ended in a draw. In future MMA matches the Gracie family won again and again using Brazilian Jiu Jitsu. And over time it became clear that if you wanted to win the Ultimate Fighting Championship, you must train in BJJ.

BJJ is growing quickly in the U.S. and overseas because of the practical nature of the training. Indeed, Jocko says that a new BJJ student who is new to BJJ should be exceptionally prepared for MOST normal fight situations after training for only 6 months to a year. That is incredible.

What is the Brazilian Jiu Jitsu Belt Ranking?

White Belt: Brazilian Jiu Jitsu starts with the white belt. This level of rank applies to both children and adults and will focus on the very basics and fundamentals of BJJ. Specifically, escapes, defensive positioning and basic offensive and defensive moves. Basic moves include submissions and guard passes.

Blue Belt: The blue belt is the often the second rank in BJJ, however, children may also have the opportunity to earn incremental belts of orange and yellow. The International Brazilian Jiu Jitsu Federation (IBJJF) requires that children be at least 16 to earn the blue belt rank.

Purple Belt: Students at the purple belt level have undergone hundreds of hours of training or "rolling" on the mat with their fellow students and instructors. Purple belts can also contribute at this level to help younger, less experienced students with their training.

Brown Belt: Brown belt is the second highest rank in jiu jitsu prior to black belt. Students should hold the brown belt rank for a least a year before earning their black belt and have at least five years of experience training overall. Children must be at least 18 years old to earn the brown belt rank.

Black Belt: Black belt is the highest rank in jiu jitsu, before opportunities to earn higher subsequent incremental black belt degrees of jiu jitsu mastery.

Protect Yourself and Your BJJ Business

As a martial arts trainer, training is your business. However, your business should require students to read and understand the dangers of training in Brazilian Jiu Jitsu.

Joe Rogan, a well-known podcast host and experienced BJJ fighter, comments that he’s much more likely to see someone get injured when they choose the wrong training partner. A white belt training with an experienced BJJ black belt may have almost no chance of being hurt... This is because the Brazilian Jiu Jitsu black belt is so experienced that he or she understands the limitations of the student.

However, a gung-ho blue belt, who is not as refined, may seriously injure a less experienced student who he or she is sparring with.

While it may be the student's fault, ultimately, it is you and your school that will be the recipient of a lawsuit or claim filed by an injured student or his or her parents. They will claim that their child suffered at the hands of an inexperienced student because they were training with the wrong person. They may blame you for putting them with that person.

Whether your business is a single martial arts studio, or franchise, the right martial arts instructor insurance or martial arts school insurance is critical for your success and the success of your business.

Just as a rear naked choke can mean the difference between success and failure in a fight, not having insurance for your BJJ gym can mean the difference between success and failure!

Continue Reading...