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You’ve worked hard to build your pilates instructor business. From scheduling client training sessions to planning your weekly workouts, you make sure your business is pushing forward in the right direction.
So shouldn’t you find pilates insurance that works as hard as you do?
At Simply Business, we believe pilates instructors like you deserve the best coverage. That’s why we make it easy for you to find and get business insurance policies from the nation’s top insurers — 100% online.
Plus, you can compare plans in under 10 minutes, meaning you can get back to your regular routine faster.
It really is that simple!
You may be searching for a pilates insurance plan, but “pilates insurance” is a term that describes a bundle of policies tailored to your particular needs. For example, your coverage could include workers compensation insurance for instructors who have employees. If an instructor doesn’t have employees, pilates insurance wouldn’t include workers comp coverage.
We know that’s a lot, so let’s go through the most common policies that get bundled together to form this product.
General liability insurance (GL) for pilates instructors (or commercial general liability insurance) covers costs of third-party accidents, damages to property, and bodily injury to another individual, like a client or a studio cleaner. This coverage can be essential for pilates instructors, as without it, you could be liable for some or all of the costs associated with those claims.
Pilates instructor liability insurance also can cover you in surprising ways such as being accused of reputational harm (e.g., slander).
That’s a lot of insurance-speak, so let’s use an example to break down how general liability can protect pilates instructors.
Let’s say one of your employees starts a rumor about the pilates studio down the street. Your employee goes around to clients and tells them that your competitor doesn’t keep the studio clean. Unfortunately, someone from that studio takes one of your classes and overhears the rumor. As what usually happens with rumors, it gets back to your competitor.
Not surprisingly, they claim that they’ve lost business as a result of your employee’s slander and sue you for reputational harm.
In this case, your GL insurance could potentially cover costs associated with hiring a lawyer to defend you. Your policy may also pay any resulting claims, up to your policy limit.
Take a look at what general liability insurance typically can cover:
Now check out what general liability insurance usually doesn’t cover:
Another essential component to pilates instructor coverage is professional liability insurance (PL). This policy can cover you if your client claims that your business or you were negligent in providing your pilates services.
As a pilates instructor, you likely spend a lot of time adjusting clients’ bodies to help them max out their results. You also may lead them through exercises that could potentially strain their bodies if not done correctly. These examples are why professional liability insurance is so important for pilates instructors, as a client may claim you were negligent by not properly correcting their posture or by pushing them through a workout that caused them serious injury.
It’s tough to think you could be negligent with clients, because you see yourself as a consummate professional. But what happens if a stretch you recommend to a client results in a torn ligament?
You could potentially be on the line for that client’s medical bills.
If that happens, your professional liability insurance could cover some or all of the resulting costs from your or an employee’s negligence (up to your policy limit). It would also typically cover attorney’s fees in the event the client sues you, claiming negligence.
Having this protection means you may not have to dip into your business’s bank account (or your personal funds) to pay for claims.
That’s why liability insurance coverage is often recommended for pilates instructors, as it offers protection against common risks that can happen when interacting physically with and coaching clients.
To summarize, here’s what professional liability coverage for pilates instructors can cover:
Keep in mind that PL insurance usually doesn’t cover:
It’s likely you’ll need workers compensation insurance if you have full-time or part-time employees. A workers compensation policy can cover costs associated with an employee’s medical claim that results from injury or illness while working for you.
Each state has different requirements for workers compensation coverage, so it’s important to stay informed. We recommend checking your state’s laws so you can be well-informed when building your pilates insurance coverage.
If you have any employees, don’t put off getting a workers compensation policy, especially in your line of work. Here’s why: recent data shows that the average work injury cost is about $41,000, with $170.8 billion resulting from claims in 2018 alone.
In other words, if you have employees, you likely don’t want to be without this policy!
Workers compensation insurance can typically cover:
You know how important it is to take care of your physical and mental well-being — after all, you’re a fitness instructor!
Think of pilates insurance as the equivalent of self-care for your business. It can come in handy if a client gets hurt while doing your workouts, but it also can provide you with peace of mind.
After all, it can be tough to focus on building and growing your pilates practice if you’re constantly worried about one event or lawsuit that could potentially undo all of your hard work.
Even if you do everything right with a client, they may still sue you because they were unhappy with your services. Though you may be in the right in this situation, you would still likely have to hire a lawyer to defend you.
Let’s not forget how important it is to protect your financial assets. Lawsuits, damages, and claims can be very expensive, especially for small business owners. Take a look at the most common incidents that can happen, including how much they might cost:
Those average costs are fairly significant, but what if you have to pay out more?
Depending on your state, you may even be required to have pilates insurance to work with clients. And if you’re looking to rent a studio for your classes, your landlord may require you to carry a general liability insurance policy.
As you can see, getting pilates insurance is very important. And that’s why we make it easy to find the right insurance plan at the right price.
Just answer a few questions about your business and you can compare free quotes from some of the most trusted insurers in the country. We can even provide you with a certificate of insurance (COI), so you can show the world you’re insured.
At Simply Business, we make getting insured, well, simple!
The answer depends on the state where you do business, as well as the types of policies that are bundled in your specific insurance coverage.
Even if your state doesn’t require coverage, others may request that you be insured. For example, if you lease your studio, it’s likely your landlord may require proof of a pilates liability insurance plan.
Yes, the premiums on your insurance plan are typically tax-deductible. We recommend speaking to an accountant if you have additional questions on what business expenses you can deduct.
The answer depends on your business, which helps ensure you get the most personalized coverage possible. The amount of insurance you may need depends on:
Not sure what you need? Don’t worry, that’s what our quote form is for. Our questions are designed to help you find the recommended coverage amounts of your pilates business.
If you have more questions, our licensed insurance agents will be happy to assist you!
If you’re ready to start comparing free quotes and get coverage, we recommend having the following information on hand to speed up the process:
No two states are alike, so you may find that what is needed in one state won’t be required in another state. This is especially true when it comes to workers compensation insurance.
Our quote process takes your location into consideration when building out free quotes. That way, you can be confident you’re getting the right coverage based on your state’s requirements.
The answer depends on the policies that are bundled together to meet your needs. For example, if you choose to bundle GL, PL, and workers comp, your plan may cover:
Since every business is different, the cost for pilates instructor insurance varies. However, you can get a good idea of how much your policy may cost based on the following:
Ready to compare the costs of pilates insurance plans? Just click here to get your free business insurance quotes.
We know that when it comes to business insurance, there’s a lot of choices out there.
So why us?
At Simply Business, we make it easier to choose an insurance policy that covers your business. We’re an online insurance brokerage that works with small business owners like you to find and compare top policies from insurance companies that have been around for a long time.
We’re also one of the fastest-growing online providers of small business insurance, and thousands of customers trust us to protect their growing businesses.
So why choose Simply Business? It’s, well, simple:
We’re fast and affordable. We know you have a busy schedule. That’s why we make it easy to find and compare plans that are tailored to your pilates business in less than10 minutes.
We’re flexible with coverage. Whether you need increased coverage because you hired a new instructor or a COI for a commercial lease, we’re here to help.
We get your business. Forget one-size-fits-all insurance. Get the protection you need as a fitness professional when you need it the most.
After all, you’ve worked hard to build your brand as a pilates guru. That’s why we offer the best coverage to protect your business.
* Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on January - December 2020 data of 10% of our total policies sold.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.