Pilates Instructor Insurance

Customized Insurance For Your Pilates Business

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Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Simply Business is pleased to provide tailored insurance coverage from Hiscox, Travelers, and CNA.

Pilates Instructor Insurance That’s Made Just For You

As a pilates instructor, you know how to take charge and lead. Your day-to-day is about motivating people while sharing your expertise on exercise. You know the best ways to target core areas on the body to build strength, burn fat, and increase flexibility.

However, you probably don’t hold the same expertise on small business insurance policies.

What Insurance Do Pilates Instructors Need?

Let Simply Business build a pilates instructor insurance policy that’s personalized just for you.

Need more detail? Read our FAQs:

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Professional Liability Insurance for Pilates Instructors

Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your professional services.

As a pilates instructor, it is your job to guide someone through a workout and advise them on what to do, and how to do it. If you are accused of or are negligent in during your instruction, it’s not unusual for a claim to be filed against your business. Professional liability insurance may cover some of the costs while dealing with those claims.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising

General Liability Insurance For Pilates Instructors

General liability insurance is sometimes combined with professional liability insurance, but make sure you check to see if your coverage includes both options.

If you work at a studio or you instruct on a client’s property, accidents may happen that may or may not be your fault. For example, say you are asked to lead a corporate event with a pop-up pilates class at your studio. You’re asked to prepare equipment for 25 students, and so you start lugging your mats, rings, weights, and resistance bands. While unloading the equipment, a participant trips on some weights and requires hospitalization. General liability may cover some of the medical costs.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • Defense costs
  • Supplemental payments

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • Known claims or potential claims

Learn more about commercial general liability insurance.

Workers Compensation Insurance for Pilates Instructors

Do you have full-time employees or part-time help? If that’s the case, you’ll definitely need workers compensation insurance. If someone who works for you gets hurt on the job, this coverage provides help with medical bills, lost wages, and any legal costs that relate to the injury.

Most states require any business with employees to have workers compensation insurance, so make sure you add it to your policy!

Learn more about workers compensation insurance.

How Much Does Pilates Instructor Insurance Cost?

Not sure how much you might pay for coverage for being a pilates instructor? While there’s no one answer for how much your policy will cost, your final premium will usually be determined by:

  • The number of employees you have (including part-time and consultants)
  • Your location
  • Payroll
  • Revenue
  • And more

Want to find out how much your insurance policy might cost? Just click here to answer a couple of questions about your business.

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