Pilates Instructor Insurance
4.8/5 on
- A-rated carrier
- 24/7 online dashboard access
- Affordable, transparent pricing
- Monthly or annual payments
- Occurrence-form coverage
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!
*Not for sale in Missouri
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.**
**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.
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.
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
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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!
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.
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.
With teacher insurance, you could get financial support to pay for attorney’s fees, settlement costs, and other expenses associated with this claim instead of paying entirely out of pocket.
Choose between monthly or yearly payments for your policy. You can even save an additional 13% by switching to annual!
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.*
*Not for sale in Missouri
Get instant access to valuable resources that help level up your Pilates instruction business — at no additional cost to you!
Insurance Canopy offers A+ rated liability coverage for Pilates instructors and instructors-in-training. Plus:
- Purchase your policy online in 10 minutes or less
- Get immediate, same-day coverage
- Get instant access to your policy and certificate of insurance (COI)
- Access your online dashboard 24/7 to make changes to your policy, download your certificate of insurance, or add additional insureds
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.
Does Pilates Insurance Cover Students?
Yes! Insurance Canopy insures full-time and part-time instructors as well as students.
Our Pilates student teachers insurance is the same policy for all instructors, so you can keep the same plan as you advance in your career. There’s no stress about a price change or gap in coverage — just one plan to follow you through every stage of teaching.
Our affordable plans are made to grow with you!
Can Pilates Be Covered By Health Insurance?
No, teaching Pilates cannot be covered by health insurance. You need Pilates instructor liability insurance to cover you while teaching classes.
If a student is hurt, your health insurance cannot pay for their injuries. However, your liability insurance may help you cover the cost of their medical bills. If you are hurt while teaching Pilates, you will need your own health insurance plan to help you pay for any medical assistance needed.
Liability insurance is a third-party coverage, meaning it may help cover accidents that happen to other people because of your professional services. Health insurance is a first-party coverage, which is designed to cover accidents that happen to you regardless of who caused it.
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.
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