Pilates Instructor Insurance Cost
Compared to the high price of fitness-related claims and lawsuits, the cost of Pilates liability insurance is well worth it. This breakdown explains how much you can expect to pay and what affects your price, so you can support clients with confidence.
How Much Does Pilates Instructor Insurance Cost?
Pilates liability insurance costs as little as $15/month or $159/year with Insurance Canopy. This base rate applies to all Pilates teachers, regardless of geographic location* or experience level.
Base Pilates policies include the essential coverages you need to protect against the most common industry claims, like client injuries, slip-and-fall accidents, and property damage. All starting policies automatically include:
- General Liability
- Professional Liability
- Personal and Advertising Injury
- Products and Completed Operations
- Damage to Premises Rented
- Medical Expenses
We understand different instructors have different needs, which is why we offer additional coverage options. You only pay for the extra coverages that make sense for you. Optional coverages include:
- Gear and Equipment (Inland Marine) Coverage: +$1.33 – $10.67/month
- Sexual Abuse and Molestation (SAM) Coverage: +$10.33 – $14.46/month
- Diet and Nutrition Coverage: +$6.83/month
- Cyber Liability Coverage: +$8.25 – $12.50/month
62% of Pilates teachers with Insurance Canopy pay just $15/month to protect their businesses with a standard general and professional liability policy. 30% of instructors pay between $15 and $25 per month to enhance their protection, and 8% pay over $25/month for expanded liability insurance that includes multiple add-on coverages.
*Currently not for sale in Missouri.
This data is based on customer payments for both monthly and annual payment plans.
What Types of Payment Plans Are Available?
Insurance Canopy offers both monthly and annual payment plans.
Monthly payments
- Pay your insurance premium in monthly installments
- Base policy amounts to $180 in total for the year
- Ideal for businesses with tighter cash flow
Annual payments
- Base policy is equivalent to $13.25/month when paid annually
- Save up to 13% when you pay with one upfront payment
- Enjoy a full year of peace of mind
How Much Does Each Coverage Type Cost?
The cost of each coverage depends on the amount of coverage you select, except for general and professional liability. Since these coverages are bundled together in the base policy, there’s just one standard price for those.
General + Professional Liability: $15/month or $159/year
Applies to harm and damage done to clients or others due to your training and operations.
Examples:
- Client slip-and-fall injuries
- Injuries caused by your instruction
- Damage to the space you rent
- Damage to client property
Gear and Equipment (Inland Marine) Coverage: +$1.33 – $10.67/Month
Designed to help pay for repairs or replacements of your transportable business gear in case of theft or damage. It does not apply to permanently installed equipment or studio fixtures.
Examples:
- Bands and mats
- Foldable Reformers
- Laptops
There are three tiers of equipment coverage, and all include a $100 deductible.
| Tier | Limits - Per Occurrence / Aggregate | Cost | Deductible |
|---|---|---|---|
|
Tier 1 |
$2,000 / $2,000 |
$1.33/month |
$100 |
|
Tier 2 |
$5,000 / $5,000 |
$5.55/month |
$100 |
|
Tier 3 |
$10,000 / $10,000 |
$10.67/month |
$100 |
Sexual Abuse and Molestation (SAM) Coverage: +$10.33 – $14.46/Month
Coverage designed to help pay costly legal claims related to allegations of abuse, molestation, and sexual misconduct. There are two tiers of coverage available.
| Tier | Limits - Per Occurrence / Aggregate | Cost | Deductible |
|---|---|---|---|
|
Tier 1 |
$10,000 / $10,000 |
$10.33/month |
$100 |
|
Tier 2 |
$25,000 / $25,000 |
$14.46/month |
$100 |
Cyber Liability Coverage: +$8.25 – $12.50/Month
Helps pay recovery costs associated with data breaches, phishing, ransomware, and other cybercrime, like the exposure of client information. There are two tiers of coverage available.
| Tier | Aggregate Limits | Cost | Deductible |
|---|---|---|---|
|
Tier 1 |
$100,000 |
$8.25/month |
$1,000 |
|
Tier 2 |
$250,000 |
$12.50/month |
$1,000 |
Diet and Nutrition Coverage: +$6.25/Month
Extends your liability coverage to include general nutrition advice.
Additional Insureds: $15/Year Each | $30/Year Unlimited
An additional insured is a person or organization who requests to be added to your policy, so they may receive coverage in case they’re included in a claim or lawsuit related to your work.
Gyms, studios, landlords, and other employers often request this coverage.
What Factors Affect Pilates Teacher Insurance Price?
Typically, fitness instructor insurance premiums are calculated based on factors such as the modalities you teach, your geographic location, years of experience, and claims history. Insurance Canopy simply bases costs on two factors: your payment plan and any optional coverages you select.
Choose to pay monthly or annually. An annual payment plan saves you in the long run!
Selecting optional coverages adds to your premium cost and strengthens your base policy.
Can I Reduce the Cost of My Insurance?
With Insurance Canopy, you’re protected with high coverage limits at competitive rates. Here are a few ways to keep your costs low.
Pay Upfront: Avoid extra monthly fees by paying for the full year of coverage upfront.
Consider Unlimited Additional Insureds: If you teach in multiple studios, choose the $30/year unlimited additional insureds coverage add-on, rather than adding them one at a time for $15 each.
Keep EZ Renew On: Avoid lapses in coverage (which expose you to paying for claims out of pocket) by toggling EZ Renew on.
Store Your Gear Safely: Claims for lost or stolen equipment include a deductible, meaning you pay a portion before your coverage kicks in. Keeping your gear stored securely can help you avoid unnecessary expenses.
- Coverage for 100+ fitness modalities
- Instant certificate of insurance
- Customizable policy
- Free additional resources
- Occurrence-based coverage**
- Coverage for online and multi-location instructors
- 24/7 online policy access
**All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
Coverage Details
General & Professional Liability
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
General & Professional Liability Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Products Completed Operations Aggregate
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$3,000,000
Personal & Advertising Injury
The amount your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Included
Damage to Premises Rented to You
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$ 5,000
Deductible
The amount we deduct from a claim before paying up to your policy limits.
$ 0
Gear & Equipment Coverage
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
Cyber Liability Coverage
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25 – $12.50/month
Diet & Nutrition Coverage
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.25/month
Additional Insureds
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$1.25 – $2.50/month
Sexual Abuse & Molestation (SAM) Insurance
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
How Do I Get a Quote?
Get covered in 10 minutes or less! Start the checkout process, answer a few questions about your business, and select any optional coverages. Then review your coverages and submit your payment information. After purchase, you’ll receive an email and instant access to your certificate of insurance.
Pilates Instructor Liability Insurance Cost FAQs
Does Annual Pilates Insurance Cost Less Than Monthly?
Yes, in the long run.
When you purchase an annual plan and pay upfront for the entire year, the cost is $159. The same policy with monthly payments costs $15 per month, totaling $180 over the same 12-month period.
Do I Need Extra Coverage for Pilates Equipment?
Yes. Standard liability policies do not cover damage done to your own equipment. You need optional Gear and Equipment Coverage for that.
Do I Need Additional Insured Coverage for Studios or Gyms?
It depends on the studio, but many require you to carry your own liability insurance (especially if you’re hired as an independent contractor). If this is the case, they typically request to be added on your policy as an additional insured.
Do Student or Part-Time Pilates Instructors Pay a Different Rate?
With Insurance Canopy, all Pilates professionals — student teachers, part-time instructors, and full-time instructors — pay the same low rate.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
Chelsea Ramsey, ACE CPT | Copywriter
Ohio-based copywriter and licensed insurance agent Chelsea Ramsey leverages her experiences as an American Council on Exercise (ACE) certified personal trainer, a role-playing game writer, and a former auto claims adjuster. She holds a bachelor’s in English from Ohio State University and a TEFL certification from Oxford Seminars. Before working at Veracity, Chelsea wrote for Zulily and trained clients at her local community center. She now writes to assist fitness professionals and entertainers in finding their ideal insurance policies.
Ohio-based copywriter and licensed insurance agent Chelsea Ramsey leverages her experiences as an American Council on Exercise (ACE) certified personal trainer, a role-playing game writer, and a former auto claims adjuster. She holds a bachelor’s in English from Ohio State University and a TEFL certification from Oxford Seminars. Before working at Veracity, Chelsea wrote for Zulily and trained clients at her local community center. She now writes to assist fitness professionals and entertainers in finding their ideal insurance policies.