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!
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)?