Pilates Instructor Insurance: Liability & Quotes From $11/month

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Similar to personal trainers and yoga instructors, you need protection too. Pilates instructor insurance is a specialized protection program consisting of general liability, professional liability, and equipment insurance.

Pilates insurance coverage grants a shield against liability lawsuits and equipment damage. Besides, it helps you elicit confidence from your clients as it is proof of your commitment to safe and effective exercise.

Pilates Instructor Liability Insurance

If you are anything like all the other Pilates instructors, your greatest nightmare is an injury happening on your watch.

A student might slip on the footbar and sustain bruises. Bad posture or technique can also result in sore muscles. And in the worst-case scenario, a student might sustain a fracture while doing routines.

This is why Pilates instructor liability insurance is important. This comes in two forms, general liability and professional indemnity.

General Liability Insurance for Pilates Instructors

General liability insurance covers claims for bodily injuries or property damage. This type of Pilates teacher liability insurance is useful when a student gets injured by defective Pilates equipment or experiences a slip-and-fall accident.

Most professionals related to your line of work such as fitness instructors and dance instructors get this.

General liability insurance for Pilates teachers provides $300,000-$5 million you can use to cover the following:

• Medical treatment of the claimant

• Reimbursement for the damaged property of the claimant

• Defense costs

• Court judgments

The general liability policy in Pilates instructor professional insurance packages will also offer these additional perks:

• $500,000-$5 million products and completed operations coverage

• $500,000-$3 million advertising injury coverage

• $500,000-$3 million fire legal liability coverage

Professional Indemnity Insurance for Pilates Instructors

Professional indemnity insurance for Pilates instructors, also called professional liability insurance, goes hand-in-hand with general liability insurance to provide a comprehensive protection against claims. You use this to cover costs when the student accuses you of committing:

• Violation of good faith

• Violation of fair dealing

• Negligence

• Breach of confidentiality

• Misrepresentation

• Breach of contract

Professional liability insurance for Pilates instructors, CrossFit instructors, and Zumba instructors provides $500,000-$5 million minimum coverage for settlements, defense costs, court judgments, and other expenses when a claim is filed.

It’s also possible for Pilates professional indemnity insurance to have sexual abuse and molestation coverage that provides $100,000 for settlements, defense costs, and court judgments when a student accuses you of sexual harassment and other malicious advances.

While available as a stand-alone policy, some carriers offer Pilates instructor professional indemnity insurance as part of general liability insurance. Examples are NEXT and Thimble.

Excess Liability Insurance for Pilates Instructors

Though less common, excess liability insurance is sometimes included in your tailored coverage. This type of Pilates liability insurance doesn’t grant protection against any claims. Instead, it provides additional funds if your general liability or professional liability insurance lacks the money needed to fully cover a claim.

Pilates Equipment Insurance

As a Pilates instructor, you rely on your foam roller, band, reformer, weights, and chair to provide the lessons to your clients. It would render you out of business if anything were to happen to your equipment.

Now given the investment you've obviously made towards acquiring these and how reliant your practice is on these, it is best that you proactively protect them from theft, damage, or vandalism.

Fortunately, most providers offer Pilates equipment insurance. This policy helps pay for the repair or replacement. Further, if you were forced to rent out Pilates equipment, the policy will cater to this cost, thus ensuring you do not end up paying out of pocket.

Pilates Studio Insurance

Pilates studio insurance is a tailored coverage for individuals making money through Pilates studios. Inclusions are general liability insurance, commercial property insurance, and workers' compensation insurance.

Pilates Studio Liability Insurance

General liability insurance for Pilates studios provides $2 million-$5 million coverage on claims for bodily injuries or property damage. Pilates studio liability insurance might also come with floaters such as equipment breakdown and customer property coverage, each providing $2,500-$5,000.

Workers Compensation Insurance for Pilate Studios

Pilates studio insurance programs offer a worker's compensation policy. This is useful if you work with one or more part-time and full-time employees.

Workers' compensation insurance for Pilates, online personal training, and aerobics will take care of these costs when an instructor or any other employee of your Pilates studio sustains an occupational disease or injury

• Medical treatment

• Hospitalization

• Medication

• Rehabilitation and retraining

• Lost wages

• Funeral expenses and allowance to dependents in case of death

Pilates Studio Commercial Property Insurance

Commercial property insurance will be included too. This reimburses losses if your Pilates studio gets damaged or lost due to fire, theft, vandalism, and other covered perils. Coverage doesn’t only apply to the building but also the contents inside. Moreover, this policy for pilates studios and barre studios might provide additional coverage for business interruption, employee dishonesty, credit card loss, and accounts receivable.

Pilates Instructor Insurance Cost 

The average cost of Pilates instructor insurance is $24 per month or $288 per year for a $1 million general liability insurance.  

Your rate can be exactly the same or different from the estimate we provided above. There are many factors that affect the Pilates instructor insurance cost, such as:

• Training and experience 

• Annual and projected revenue 

• Number of employees 

• Past claims history 

• Operation size, including the number of employees 

For a better perspective, here's what you'd pay if you go with the best Pilates instructor insurance providers in the market:

Consider comparing quotes to get the best Pilates insurance at the most reasonable rate. Click the “Get Quotes” button on this page to start.