Pilates Instructor Insurance
Balance Your Business with High-Quality Insurance for Pilates Teachers
What Is Pilates Teacher Insurance?
Pilates instructor insurance is coverage designed to protect you while you teach Pilates or run your own Pilates business. It’s a type of liability insurance that may help you pay for accidents caused by you or your business.
If something happens while you’re working, you could have help covering the cost of medical bills, repairs, and legal fees. Pilates insurance can provide financial support for claims of student injuries, property damage, or stolen gear.
Insurance Canopy helps cover instructors who teach most styles and levels of Pilates. We can also cover instructors who work in studios, gyms, health clubs, out of their homes, at retreats or events, online, and more.
Our insurance includes nationwide coverage*, so you’re covered if you teach in more than one place!
How Much Does Insurance for Pilates Instructors Cost?
We offer Pilates teacher insurance for as low as $15/month or $159/year.
Full-time, part-time, and student Pilates instructors can all purchase a policy for the same low rate. Plus, you can customize a policy to fit your unique needs by adding additional coverage in just a few clicks!
What Insurance Do I Need to Teach Pilates?
Wherever and however you teach, all Pilates teachers should have general and professional liability insurance. This helps you cover the most common insurance claims and stay eligible to teach.
We combine these coverages and more into one base plan so you can more easily and quickly get the insurance protection you need.
Our plans also include occurrence form coverage, offering you lifetime protection for accidents that occur during your policy. You can file a claim anytime, even after your coverage ends.**
Additional Coverage Options
You also may need insurance to cover your gear, any work you do online, or dietary advice you may offer clients. We offer these optional additional coverages that you can add to your policy online at any time:
- Gear & Equipment Coverage ($1.33-$10.67/month): This coverage insures transportable items you use for teaching and running your business, like rollers, magic circles, or a laptop.
- Cyber Liability Insurance ($8.25-$12.50/month): If you take online payments, teach virtual classes, or store client records on a computer, this coverage helps you recover from a cyber attack on your business.
- Diet & Nutrition Coverage ($6.83/month): This helps cover any diet or nutrition-related services you offer, like creating custom meal plans or offering diet advice to students.
Sexual Abuse and Molestation (SAM) Coverage ($10.33-$14.46/month): This coverage helps with defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Why Insurance Canopy Has the Best Pilates Instructor Insurance
Insurance Canopy offers affordable top-rated Pilates instructor liability insurance to more than 10,000 Pilates and fitness instructors. With a 4.8/5 star rating, we’re proud to have quality coverage and customer service you can count on.
Customizable Coverage
Personalize your policy to your individual needs in 10 minutes or less with our online application. Manage your coverage and access your Certificate of Insurance online anytime.
Flexible Payments
Choose between monthly or yearly payments for your policy. You can even save an additional 13% by switching to annual!
Industry Approved
Meet or exceed insurance requirements wherever you choose to teach. Insurance Canopy is a trusted and preferred provider of fitness instructor insurance for many different types of fitness professionals nationwide.*
Small-Business Benefits
Get instant access to valuable resources that help level up your Pilates instruction business — at no additional cost to you!
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
Top-Quality Liability Insurance for Pilates Instructors
No matter if you teach in a studio, online, or in one-on-one sessions, you need Pilates insurance coverage you can depend on. Purchase your Insurance Canopy policy online today!
Questions About Pilates Instructor Insurance
Why Should I Carry Pilates Teacher Insurance?
No matter how careful you are, accidents can still happen. Having Pilates teacher liability insurance is like a safety net for the moments a student pulls their shoulder muscle on a Reformer or accidentally pops an Overball belonging to a private club.
Not every studio or gym has insurance that will also cover you as a Pilates instructor. It’s common for the business owner’s insurance to exclude employee coverage, which means you’ll need to have your own liability insurance to be covered.
Getting your own instructor insurance in your name makes it easier for you to file claims and protect yourself when accidents happen.
Our insurance works in most places you do and includes nationwide coverage.* You’re covered common spots, like gyms and studios, and have protection if you teach in more than one location, including your home or clients’ homes.
You can customize your coverage based on your needs and easily have proof of insurance when a gym, studio, or health club requires it.
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Does Pilates Insurance Cover Students?
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Can Pilates Be Covered By Health Insurance?
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Need additional information before making a decision?
Give our team a call today at 844.520.6993
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*Not for sale in Missouri
**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.