UPDATED 9/14 – We are no longer recommending the company involved in this podcast. When we renewed this month we were told we could no longer add an “additional insured” to Amy's policy unless we paid an extra $155.00. This is totally ridiculous in our eyes and we have gone back to Markel Insurance for Amy's liability insurance.
Indoor Cycling is experiencing a boom, with new bouquet studios popping up pretty much everywhere. This is great because all these new studios = more places for us to teach. But there's a small catch. Many of these new studios hire Fitness Instructors as independent contractors, not as true employees, but it shouldn't scare you away from teaching there.
There are multiple advantages for teaching as a self-employed contractor (you may be able to expense your fitness clothes and mileage) and a few disadvantages. The biggest being there's a very good chance the studio's general liability insurance won't protect you if someone gets hurt and sues you personally for millions of dollars 🙁
Professional Liability Insurance is designed to protect Instructors (you) and your family's financial assets, in the event that you're sued by a client. Many fitness businesses require contractors to have their own policy.
In a previous post; Low Cost Fitness Instructor Professional Liability Insurance I explain where I found a great deal (saved us $58.00) on an annual policy for Amy. I contacted the company for someone to interview and they provided Coleen Kelly, their Vice President Program Management for Aon Affinity and HPSO – Healthcare Providers Service Organization where we purchased Amy's insurance. This is no longer the case 🙁
Listen to my interview below (sound quality is low as we couldn't use Skype) and if you have additional questions you can call HPSO's info line 1.800.982.9491
John is a member on the AFS (Association of Fitness Studios) Advisory Council.
Holding certifications from; Schwinn, Heart Zones, Team ICG and Life Time Fitness, John's held regularly scheduled cycling classes between 1998 and 2015 when he moved to Florida.
When the weather permits, you'll find him riding and leading outdoor groups by himself or with his Tandem partner (wife) Amy.