Low Cost Fitness Instructor Professional Liability Insurance

Low Cost Fitness Instructor Professional Liability Insurance

Low Cost Fitness Instructor Professional Liability Insurance

We're no longer recommending these people

Amy's fitness instructor professional liability insurance renewed this month. I offered to shop around to see if I could find the best / lowest cost annual policy – something more reasonable than the $170.00 per year charged by Markel Insurance who provided her coverage last year.

I did 🙂

We purchased a $3,000,000 Instructor liability policy from HPSO – Healthcare Providers Service Organization for only $112.00!  We had a negative experience when we renewed 9/14 and have cancelled our policy with these people. Very disappointed by their customer service. Strongly suggest going somewhere else. 

When Amy first started teaching Pilates at a local Catholic grade school, they required her to have a liability policy “just in case”. But in actuality the churches board wouldn't approve of using an outside contractor (Amy) without there being a policy in place that named the church as an additional insured.

That was about 6 years ago. We started with the insurance company recommended by IDEA – Philadelphia Insurance @ $170.00. But there was a catch to get their discounted rate… you needed to be an IDEA member. Fine if you already were, but, not knowing any better, we also purchased a year of IDEA @ $99.00 + the $170.00 for a total of $260.00. That's a lot and as it turned out, it ate up about a third of the potential revenue Amy had forecasted to earn over the winter.

Then we switched to Markel. Same cost, but without the hundred dollar IDEA membership.

Now what we found with HPSO is that she gets the same level of coverage, while saving $58.00. Not a king's ransom, but I know Amy and she'd much rather spend that on some cute yoga pants.

Feel free to share this with your Instructor friends.

*Different states require different types of insurance, as do the different formats you're teaching (at varying costs) so you'll need to check their site for the specific costs for where you live and teach.   

 

Low Cost Fitness Instructor Professional Liability Insurance

Giving a Google Chromebook a try.

Samsung chromebook for a spinning instructor

Will this $250 computer do everything I need as an Instructor?

At only $250.00 – I've been very tempted to tryout and live with a Google Chromebook. Now I have my chance!

“It looks like you need another new hard drive.” That was the opinion from Dr. Bookem (brother Dan who's the smartest person in our family) after giving my two year old Dell a through examination. Which would be the third hard drive, beyond the original, that this laptop will have needed.

The first sign of trouble was at the San Francisco airport, waiting for my flight back from Jim Karana's memorial service. The thing would freeze as soon as I tried to boot it up. After six tries it finally caught. The next day the same thing. So off to see the doctor.  “It will probably run fine forever… if you never turn it off.” Better to replace the drive and have me move (he called it ghost) all my files from the old drive to the new. A new drive is about $100.00 and the typical cost for this service would be $150 ish depending on who's doing it.

That $250.00 also happens to be exactly what Amazon charges for a new Samsung Chromebook. So I hit the buy it now button, along with agreeing to pay the additional $3.95 for next day shipping for Amazon prime members. Next day was really important for me. I'm leaving for LA and the MINDBODY FitPro conference on Thursday and simply can't go without a functional laptop.

I have very little understanding of what I'm agreeing to. Chromebooks don't run any of the normal programs that I'm used to using. No Word, no Excel, no iTunes, no Spotify – but it does of course run the Google Chrome browser. And no DVD drive.

To replace all that software normally found on you computer, Chromebooks run a bunch of free Apps that are based in the cloud.

 

I have a sort of easy peace about all of this, combined with a slight tingle of fear… do something everyday that scares you 🙂

Stay tuned for this weekend when I report on my early experiences.

Low Cost Fitness Instructor Professional Liability Insurance

Big increase in traffic to ICI/PRO!

Increased traffic to Indoor Cycle Instructor website

I was talking with one of my Thursday night regulars who's aware of our efforts here at ICI/PRO. He manages the website for the company where he works and we're always trading ideas for improving our sites. He asked me a question that I should have known off the top of my head, but I sheepishly had to tell him that I hadn't checked my traffic stats in quite a while.

So this morning I logged into my Google Analytics account for indoorcycleinstructor.com and got a pleasant supprise… for the period between January 1st and August 31st, the total number of people visiting here are up 28.81% 🙂

After being online for over 5 years, it amazes me that over this time period ~30% of visitors are finding us for the first time.

About 40% of you are Mac users (maybe I should switch?)

I see a huge 72% increase in Chrome users @ 25% of total users

There are still way too many Instructors using IE / Internet Explorer, but thankfully the number is down 13% from last year.

If you ever have have trouble downloading PDFs, Free Music Friday MP3s, open a Spotify / Deezer playlist from a link or most any other issues here or anywhere else online, 99% of the time it's due to using Internet Explorer.  Stop the madness! Click here to download Google Chrome – it's free and it's wonderful.

 

And while they're here, they're consuming more of our educational information.

9-20-2013 3-26-20 PM

That's awesome – I really appreciate you stopping by and it makes me smile to know that we're able to help so many Instructors!

Low Cost Fitness Instructor Professional Liability Insurance

New iPhone IOS 7.0 Update

Completion screen

Completion screen

Best I can tell, the majority of visitors here are iPhone users. Apple recently released a major update to the software that powers your iPhone; IOS 7.0

Word of caution. The update process takes a long time – like hours for some. I'm not sure how long mine took. One of my kids warned me, so I left it alone for a few hours and came back to the friendly “Hello” screen that rotates through a bunch of languages.

I'm not sure if I like the design. It's probably the change thing, that's keeping me from being very excited about it.

IMG_1645
 
Apple's saying there's over a hundred improvements? The one improvement I am excited about is the adoption of the new Dynamic Type feature that will adjust the Text Size automatically in Apps that support this functionality. I updated Spotify and they still have those tiny numbers for the track length timer 🙁

Hopefully that will change in the future?

IMG_1647

 

What have you found?

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Low Cost Fitness Instructor Professional Liability Insurance

Jim Karanas: Postscript

jim karanas on bike

By Team ICGÂŽ Master Trainer Joan Kent

To live in hearts we leave behind is not to die. — Thomas Campbell

Write a piece on Jim Karanas. How could a simple request be so daunting? Write about what — Jim the man, Jim the instructor, Jim the athlete? How he changed people’s lives? What he meant to ICG®? Since Jim’s untimely death on August 25, all of these have swirled relentlessly through my mind.

ICG Marketing Director Gary Warren describes Jim as “the ultimate selfless man in a selfish world. Jim offered his directors, co-workers, partners and customers 100% every day, with nothing held back. If ever there was a man who showed how to focus on doing great things for the greater good, rather than for profit, Jim was that man.”

Jim started small in the fitness industry in the 1980s, teaching classes in a local fitness club and turned himself into the quintessential fitness instructor. He had every quality a great instructor needs. He connected with people and always remembered their names. He gave crystal clear training instructions. He offered more than a workout in his classes, incorporating physiology, philosophy, and inspiration. People left his classes feeling wonderful. (In fact, people left every conversation with Jim feeling just a little bit better.) Jim’s love for training and athletics was unparalleled, and he shared it with the greatest enthusiasm. Jim even taught a fitness class for kids, and 30 or 40 adult club members would typically gather around to watch. It was amazing.

Jim considered his primary gift in fitness his ability to create programs.
– The original CEO of Club One credits him with developing the philosophy behind Club One.
– When aerobics competition was at its peak, Jim created Competitive Aerobics Training Camp. No other coach was so successful. Jim’s athletes won a total of 78 medals, including national and world championships.
– He created Spin Camp, a six-week, periodized indoor-cycling program, the first of its kind.
– He created Performance Max, a progressive, periodized program that incorporated both indoor cycling and rowing.
– In creating PMax, Jim actually brought Active-Isolation Stretching to California. It had been used only on the US east coast until then.
– Jim shaped the philosophy behind the Kranking program, calling for “inclusive fitness” and emphasizing the benefits of the Krankcycle for challenged athletes.

Jim took his profound love of cycling and applied it to his work for ICG, creating a team of Master Trainers nationally and internationally. A ride led by Jim Karanas to MyrideÂŽ+ was the ultimate indoor cycling experience. It put together everything he knew and loved about cycling. He brought that love to the workshops he taught for the Team ICG Master Trainers.

Jim loved to coach people to ‘go beyond self-imposed limitations,’ a phrase he used time and time again in his classes. He encouraged hundreds of his students to begin riding outdoors, or to try distances and challenges they might never have tackled. Over decades — and especially in the past weeks — countless “Jim disciples” have told me that they never ride without hearing his voice, his words in their minds. Many of them have gone further to say he changed their lives.

Jim turned numerous indoor cycling students into instructors through inspiration. He would teach, and his students wanted to do the same — and make people feel what Jim had made them feel.

Back in 1975, Jim said what he liked best about fitness was the fact that “you can’t fake it.” Jim’s teaching was never gimmicky; industry fads were of no interest to him. The classes he taught came from his experience and his heart. They were authentic and so was he.

Gary Warren describes Jim as “technically brilliant. But his ultimate skill was being an amazing human being. Jim had something that cannot be quantified, an ability to get people to where they wanted to be — in sport, in fitness, in life. He will always be part of ICG and has shaped where we are heading. On a personal level, Jim shaped my ability to lead with greater compassion for those around me. I'm a better person and business director having had him on my staff and as my friend.”

Since Jim’s death, the phrase “bigger than life” keeps running through my head. He was everyone’s most unforgettable character. His influence was worldwide. His compassion and ability to give and forgive were unending. He taught by example. The sheer number of people Jim helped and touched is shown in how many love him and will always remember him. To pay forward even a small fraction of what Jim lived daily would be a most fitting tribute and a beautiful legacy.

 

 

 

 

Low Cost Fitness Instructor Professional Liability Insurance

Jim Karanas Memorial Celebration

Jim Karanas Memorial Celebration

“He has taught us a new way, challenged us to reach higher, and motivated us to never quit.  He has changed us.”

Celebrate the joyful life of an inspirational man.
Angela Karanas…
I was asked to pass along this invitation to Jim's friends – which are many 🙂

Jim Karanas Memorial Celebration
Host:Angela Karanas
When: Sunday, September 15 from 2:00 PM to 5:00 PM
Where: Wildwood Acres Resort 1055 Hunsaker Canyon RoadLafayette, CA 94549

You can RSVP here.
Let me know if you're planning to attend and we can coordinated room/ride sharing for those of us coming from out of town.
My flight gets into San Francisco Saturday afternoon @ 4:40pm
Chuck Cali has a line on bicycle rentals if you want to participate in the 4.5 mile bike procession from the Lafayette BART to Wildwood Acres Resort.  I'm there all day Monday. Maybe a bunch of us can ride that morning?
john@indoorcycleinstructor.com or 952-955-6363