I normally teach group fitness classes in a gym where I’ve covered under their insurance, but I’ve been asked by one of my participants if I could teach ONE class to his volleyball players after they finish a 6-week series of agility drills, just for something fun and different for them. It would be in a gymnasium-type setting, not my gym, and it would be a one-time thing, and all of his players will have previously signed waivers before starting 6-week session with him.
Do I need to purchase professional liability insurance for myself? Is there a one-time coverage I could get, because I don’t plan on teaching classes outside my gym (just this once). Thanks!
I would not teach a class that where I was not covered by liability insurance–either through an employer or purchased myself. You may want to take this time to think of it as an opportunity for independent contracting work. If the class goes well, you may asked to do this again by that participant or others outside of your gym (and could charge your own fees). I’m not sure about a one time coverage…
Perhaps you could look at it another way (even though they’ve signed waivers). Even if you will only be teaching 1 class–it only takes 1 injury to make that insurance necessary.
Hope this helps.
Yes Absolutely. It only takes 1 class to have an accident or injury. Also that gym coverage will not protect you personally. It mostly covers the gym – but both the gym and Amanda Stout personally would be named in any lawsuit. It is well worth the $150 or less a year for insurance.
One class, one time? Could you ask them if you can be covered by their insurance, as an add-on to their rider?
The general, industry-appropriate answer to this is “yes, get insurance.” Personally, I have a limited liability corporation AND insurance for my independent contractor work.
But insurance is risk management – meaning, you’re paying someone else to take on the risk of loss if one of your participants files an injury claim. Is there a way you can reduce your risk? Are you willing to take the risk? Is what you’re teaching within your scope of practice? Could you write a waiver (please keep in mind, waivers don’t always hold up in court in the litigious USA)?