Pilates Insurance

Pilates Insurance

Pilates insurance provides protection from the costs associated with lawsuits or claims against instructors or pilates studio owners.

Zensurance - Pilates Instructor

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Pilates Teacher

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.

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.

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.

The average cost of pilates instructor insurance starts at around $330 per year 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.

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:

Getting insured is quick and easy!

Complete our 5-minute online application for a free pilates insurance quote.

Common claims scenarios

pilates student on reformer

Problem: One of your clients slips off your pilates reformer, seriously injuring their back. The client claims that the equipment was not wiped down properly and sues you for their injuries.

Outcome: Your commercial general liability insurance policy could cover the $40,000 lawsuit against your business.

Pilates client on table

Problem: An inexperienced client falls off your trapeze table while you are instructing them, seriously injuring their head and back. The client sues you for the negligence of not being aware of their lack of ability to use advanced equipment.

Outcome: Your professional liability insurance policy could cover the $30,000 cost to settle the lawsuit and pay for medical bills.

empty pilates studio

Problem: Someone breaks into your pilates studio while you’re on vacation and steals a variety of expensive equipment you own.

Outcome: Your commercial property insurance policy could cover the $17,000 cost to replace the stolen pilates equipment.

Frequently asked questions

What are the common risks for pilates instructors?

Any guided fitness activities tend to see liability claims relating to third-party bodily injury. These claims can occur due to general or professional risks. Ensure you have CGL and professional liability coverage to ensure you’re protected.

What additional insurance coverages does a pilates studio owner need?

Depending on your business, you may require increased policy limits to fully cover your risk. If your business offers activities beyond pilates, check with a broker to see if you require any other coverages.

Does pilates insurance cover online classes?

Yes. Whether you teach your class in person or virtually, you can be covered from claims for which you’re professionally liable.

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You have dedicated your career to helping others achieve their wellness goals. You deserve a broker that can help you achieve your insurance goals.

If you’re looking to buy pilates insurance, start our online application for a free insurance quote today!