Insurance for Pilates instructors
Pilates is a great choice as a low-intensity way of stretching, rejuvenating, and strengthening muscles. More Canadians are deciding to take up pilates, either attending in-person classes or joining a virtual class.
Even though pilates is generally a gentle activity, there’s always a chance that a client could get seriously hurt. Beginners and professionals alike can find themselves injured due to the wrong advice or a faulty piece of equipment. Should this happen, your business could be liable.
Pilates instructor insurance is extremely important in cases where you’re liable for medical bills, but it can cover your business for other events too. To learn more about pilates insurance, we’ve outlined the basics below.
What is pilates insurance?
Pilates instructor insurance protects pilates professionals from lawsuits alleging negligence, malpractice, or third-party injury. It also provides coverage for common risks you could encounter, such as a general liability claim or property damage to your location.
What does it cover?
Your pilates insurance should cover all types of risks. Here are the top coverages that should be included in your policy:
- Commercial General Liability (CGL) Insurance: This coverage protects your business against common liability risks. These are risks that can happen in any business setting, such as third-party property damage or bodily injury (like a slip-and-fall accident). For example, say your pilates studio has just been cleaned, and one section of the floor is still wet. If a client was to slip, you could be liable for their injury – CGL insurance could cover the medical costs and other relative costs.
- Professional Liability Insurance: Also known as malpractice insurance, having a professional liability policy is essential for any pilates instructor offering physical movement instructions and hands-on training. This policy provides financial protection against claims of actual or alleged negligence, errors, omissions, or failure to deliver a service as promised. Suppose a client badly sprains a calf muscle while stretching under your instruction. In this case, your insurance may cover their medical fees.
- Commercial Property Insurance: If you own or rent a studio, commercial property insurance can protect your location and business-related equipment against risks like fire, theft, and vandalism. For example, if your studio roof was damaged by a fallen tree during a storm, this policy could provide financial protection to replace the damaged roof.
Who needs it?
All professional pilates instructors, student teachers or studio owners should consider insurance to protect themselves from potential lawsuits.
We’ve insured more than 1,000 pilates professionals. Some of our clients include:
How much does it cost?
The average cost of pilates instructor insurance starts around $330 for CGL and professional liability policy with a $2 million combined coverage limit.
However, each pilates business has its unique risks, so your quote may vary. During your quoting process, we’ll ask you a series of questions about your business to understand your needs better. Here are some specifics that help us to calculate your quote:
- Operation size (number of participants)
- Training and experience
- Annual and projected revenue
- Services provided
- Number of employees
- Past insurance claims
If you’re looking for affordable insurance, get a free quote from Zensurance. We’ve partnered with over 50 insurance providers to offer you different options that suit your business needs at the best price.
Common claims scenarios
Frequently asked questions