For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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
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
Breach of confidentiality
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.
Get all the best quotes from leading providers in a click of a button!
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
Rehabilitation and retraining
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.
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
Policy Type: Business Insurance
Company name: CoverWallet Business Insurance
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!