Whether you’re leading high-energy spin classes, coaching cyclists, or operating a busy spin studio, you help clients build strength, endurance, and confidence. But even the most carefully planned workouts can come with unexpected risks. Spin insurance helps protect instructors and studios from common risks, including client injuries, accidents, and property damage, so you can focus on helping clients reach their fitness goals.
As a spin instructor or spin studio owner, you face a variety of risks every day. A single accident, injury claim, or property damage incident could lead to costly expenses and disrupt your operations — and without insurance, you could be responsible for paying legal defense costs, medical bills, and other expenses out of pocket.
Berxi’s general liability insurance for spin studios and instructors can help protect you from common risks, including:
In addition, many spin studios and instructors can benefit from business personal property (BPP) coverage, which can help replace your gear and equipment if it’s damaged or lost. Optional BPP coverage can be added to any Berxi general liability policy.
Whether you’re an independent instructor or operate a studio, Berxi’s customized spin instructor insurance and spin studio insurance can help protect you legally and financially, satisfy lease or facility requirements, and demonstrate professionalism to clients and business partners. Here’s what it covers.
General liability insurance covers third-party claims of bodily injury and property damage that occur in connection with your business operations. It also covers claims of personal and advertising injury, such as libel, slander, or copyright infringement in your advertising.
Plus, unlike many other insurance companies, Berxi’s general liability policies include coverage for client injuries due to your instruction at no additional cost. So, if a participant claims your coaching or instruction caused an injury or aggravated an existing condition, Berxi’s got you covered.
Examples include:
You can optionally add business personal property (BPP) coverage to your Berxi general liability policy. This coverage add-on can help pay for repairs or replacements if your business assets are damaged, including stationary bikes, computers, sound systems, televisions, furniture, fitness equipment, and more.
Examples include:
Berxi’s spin insurance policies are built with instructors and studios in mind. Key benefits include:
If a client or visitor is injured at your studio or instruction space — for instance, by slipping and falling — your general liability policy can help cover their medical bills and any related legal costs and damages.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Unlike other insurance providers, Berxi’s general liability policies include professional incident coverage for bodily injury due to your instruction at no extra charge. That means if a client claims you caused them bodily injury due to an error in your work, such as negligence in a spin class or improper instruction, your policy can help pay for medical bills and legal defense.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If you are sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs you may be required to pay.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: for instance, if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help repair or replace damaged or lost equipment, computers, inventory, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage from one of our trusted partners to your Berxi general liability insurance policy by speaking with our in-house customer support team.
Berxi’s general liability insurance starts at just $100/year for individual spin instructors and $350/year for spin studios. Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, spin instructors and studios who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for spin insurance is to get a quote.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, download your certificate of insurance, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, answer a few quick questions about your work. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your equipment if it’s damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase your policy.
Step 5: Access your policy 24/7 to download proof of insurance, update your information, or file claims — right from your phone or computer.
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Che H.
“The best service one can ask for, provided without hesitation.”
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Giselle G.
“The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy B.
Yes, it’s often a good idea to carry your own spin instructor insurance, even if the gym or studio has insurance. A gym’s policy primarily protects the gym itself and may not provide coverage for claims made directly against you. Having your own insurance can help protect you if a client alleges your instruction caused an injury or if you’re required to provide proof of insurance as an independent contractor. It can also help prevent coverage gaps if the facility’s policy has exclusions or coverage limits.
Yes, your general liability insurance policy can help cover client injuries in class. Unlike other insurers’ policies, Berxi general liability insurance covers client injuries due to instruction, so if a client claims that your spin class caused an injury or exacerbated an existing injury, we’ve got you covered.
The amount of coverage you need depends on factors like the size of your business and any client or contract requirements. Many spin studios carry at least $1 million per claim and $2 million aggregate in general liability coverage, but your insurance needs may vary.
Berxi offers flexible limits of liability for general liability insurance that range from $100,000 per claim/$200,000 aggregate to $1 million per claim/$5 million aggregate. To see how much coverage is recommended for you, get a customized quote.
Yes, you can add business personal property (BPP) coverage to your Berxi general liability insurance policy. BPP insurance can help repair or replace damaged business assets, including spin bikes, studio equipment, furnishings, computers, and more.
Yes, Berxi general liability spin instructor insurance follows you wherever you teach, not just at a single location, so you are protected while teaching at different locations, including outdoors. This flexibility is especially helpful for spin instructors who teach in multiple settings.
You can get your certificate of insurance as soon as you’re covered. As soon as your coverage is active, you can sign in to your Berxi account and instantly download your certificate of insurance. Alternatively, one of our in-house product specialists can email you the certificate.
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