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.