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!
if you are teaching a facility they likely have you covered. if it is in a private or public (not a fitness facility) then you can roll the dice and hope know gets hurt. you weren’t specific. one class one time or one class…periodically.
insurance now is best idea if you wish to continue being a freelancer. if not…gambling with future
In order to cover your ground I would always make sure that I am fully insured whether I teach a class one night or consider it a full time gig. If you are considering teaching other courses in the future I would highly suggest getting an insurance policy. If you would only be teaching this one course then my recommendation would be to politely turn it down as it will not be worth your time and effort after purchasing insurance. Best of luck to you