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.
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 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, 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.
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.
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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 is a tailored coverage for individuals making money through Pilates studios. Inclusions are general liability insurance, commercial property insurance, and workers' compensation 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.
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
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.
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:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for Pilates instructors |
| CoverWallet and AON | $15 | $180 | Comparing insurance quotes for Pilates instructors online |
| Tivly | $17 | $204 | Comparing insurance quotes for Pilates instructors over the phone |
| Thimble | $20 | $240 | Short-term general liability insurance for Pilates instructors |
| Hiscox | $22.50 | 270 | General liability insurance with worldwide coverage for Pilates instructors |
| Lockton | $25 | $300 | Professional liability insurance |
| IDEA | $29.83 | 357.96 | Flexible payment options |
| BASI | $32 | $384 | General liability and professional liability insurance with identity protection coverage |
| Club | $35 | $420 | Simplified online enrollment process |
| Power Pilates | $37 | $444 | Coverage for trainee Pilates instructors |
Consider comparing quotes to get the best Pilates insurance at the most reasonable rate. Click the “Get Quotes” button on this page to start.
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Here's a list of the best Pilates instructor insurance companies. Read to know their pros, cons, and rate for a $1 million general liability coverage.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for Pilates instructors
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT’s Pilates instructor insurance program provides three coverage options-basic, premiere, and deluxe.
The basic option only offers general liability insurance with a $300,000-$1 million per occurrence limit. You get nothing else.
Go for deluxe for the best protection. It offers $1 million general liability insurance, $15,000 commercial property insurance, $1 million professional liability insurance, and $2,500-$5,000 equipment coverage.
Best for: Best overall; Fastest general liability insurance for Pilates instructors
Average cost: $11 per month
Our rating: 10/10
Compare quotes online
Stable rates
Cancel your policy anytime without charges
Not an insurance company but an insurance broker
CoverWallet doesn’t have a Pilates instructor insurance program. However, you might get covered through its insurance for fitness and recreation professionals and sports centers. Policies you can avail are general liability, workers compensation, commercial property, and more.
You can also get covered through CoverWallet’s partner, AON. AON Pilates insurance can be paid yourself or you can pay for it via funding. Moreover, you enjoy easy policy renewal, online certificates of insurance, and dedicated customer service for the resolution of issues.
Best for: Comparing insurance quotes for Pilates instructors online
Average cost: $15 per month
Our rating: 10/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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