Why do Pilates instructors need insurance?
Your clients gain flexibility and muscle strength, but there's always a risk of sprains and strains. Professional liability coverage can pay for legal costs if a client blames you for an injury. The best Pilates instructor insurance provides financial protection against everything from injuries and accidents to storm damage, data breaches, and theft.
Find the right coverage
Insureon helps Pilates instructors find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do Pilates studios need?
These insurance policies cover the most common risks of Pilates instruction.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a customer who slips on a reformer and breaks a wrist. Bundle it with Pilates equipment coverage in a BOP.
- Customer bodily injuries
- Damaged customer property
- Advertising injuries, such as slander
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It protects against customer lawsuits, theft, and property damage.
- Slip-and-fall accidents
- Accidents that damage customer property
- Stolen or damaged business property
Professional liability insurance
This Pilates instructor liability insurance covers legal defense costs if a customer claims that improper instruction led to an injury. It's also called errors and omissions insurance (E&O).
- Claims of professional negligence
- Injuries resulting from your instruction
- Failure to deliver promised results
Workers’ compensation insurance
Most states require workers' comp for Pilates businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your Pilates business. Each state has its own requirements for auto liability insurance.
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your Pilates company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
How much does Pilates instructor insurance cost?
A Pilates teacher who visits clients' homes will pay less for insurance than a Pilates studio.
Factors that affect Pilates instructor business insurance costs include:
- Sports and fitness services offered, such as reformer workouts
- Business property and equipment
- Business income
- Location
- Types of insurance purchased
- Policy limits and deductibles
Strengthen your business with insurance
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How do I get the best Pilates insurance coverage?
It's easy to get business insurance for Pilates teachers and other fitness instructors if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate for proof of insurance
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your small business, whether you’re a full-time instructor or run a Pilates studio.
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