Pilates Studio Insurance

With the rising popularity of Pilates, there’s never been a better time to offer classes at your studio — just as long as you understand the risks and know what to do about them. The reality is, anytime you’re working with students in a physically active environment, there’s the potential for injury.

If someone were to be hurt at your facility, you’d want to be protected from liability. That’s why you should obtain proper Pilates insurance. To get the kind of peace of mind that means freedom to teach and exercise, enroll in a policy that covers you in case of student accidents or injuries. Pilates studios offering Pilates mat or reformer classes and training can apply for coverage below.

Pilates Insurance Coverage

Accident Medical coverage helps pay the medical bills of an injured participant after his or her health insurance pays out. This is designed to help protect the studio owner from being sued. An injured person is much more likely to sue if they cannot pay medical balances remaining after health insurance. This Pilates insurance coverage is also crucial if the injured person does not have medical insurance.

General Liability protects you and your studio in the event of a lawsuit against your studio for bodily injury and/or property damage and the litigation costs to defend such claims. This portion of Pilates studio liability insurance covers owners, directors, employees, and volunteers.

A note on property coverage: the general liability policy covers negligence in damaging someone else’s property. Any damage to your business personal property would not be covered under the Pilates liability insurance policy. For example, if the studio’s equipment and contents were damaged in a fire, you would need to have coverage for the studio’s equipment and contents in place if you want the insurance to cover the value. This optional add-on is known as Inland Marine Coverage. You will have the option to add this right in the Pilates studio insurance application.

If you are an instructor interested in liability coverage, view our insurance plans for Pilates instructors here.

Applying is Simple

Read below to determine if application A or B will be more cost-effective for you.

Use the Program A or Program B button below to apply.
Call us with any questions, at 877-811-2271
Submit payment online.
The policy will be issued immediately and available to view, print, and/or download.

Why Choose Dance Studio Insurance?

When it comes to insurance for studio owners, you won’t find a better option than Dance Studio Insurance. We exist to be experts in specialty insurance, including Pilates studios such as yours. Trust us for the highest degree of integrity, commitment, and customer service.

Enjoy the peace of mind that comes from a company dedicated to protecting you from known and unknown risks. With our affordable insurance packages, you can feel comfortable and confident running your business. Reach out for a quote, and apply for and purchase your policy easily online.

Ready to get started?

To learn more about our service offerings call 877-811-2271today

Program A

This program is best Pilates insurance for you if you have any of these characteristics:

Less than 3 yrs’ experience owning a studio
You want Accident Medical coverage (Accidental Medical Coverage is a supplemental policy that enables you to offer to pay for a student’s medical bills. This will lower the likelihood of that student suing you.)

Get a Quote

Program B

This is the best program if you:

Have a minimum 3 years’ experience managing a Pilates facility
Offer indoor Tanning (limitations apply)
Allow unsupervised/individual work outs (but gross sales must be primarily from instructor-led group glasses such as yoga/Pilates/aerobics)
Want affordable sexual abuse and molestation coverage

Get a Quote

▸How do you know if you should get sexual abuse and molestation coverage?

Abuse and Molestation coverage provides coverage for allegations of sexual abuse and molestation. Coverage is provided for judgments as well as for expenses to investigate and defend an allegation of abuse. However, both judgment and defense costs reduce the available limit. (Available Limit: $100,000)

A couple considerations indicate you should add on Sexual Abuse and Molestation coverage:

If organizations you affiliate with require it
If there are close relations between students and teachers, and you don’t want to be at risk if someone decides to sue

In order to qualify for this uniquely inexpensive SA & M coverage, you must meet the below criteria. We strongly recommend having these procedures in place even if you do not opt for the SA & M coverage.

Do background checks (These are inexpensive and easy to do, and fingerprints are NOT required. Any third party background check vendor is acceptable. There are many options online – just do a Google search.)
Written procedures for dealing with abuse
Your staff (paid and volunteer) employment application includes questions about whether the individual has ever been convicted of any crime, including sex-related or child abuse related offenses
You routinely conduct background checks on all employees and volunteers working with youth
You have procedures in place to prevent situations where participants are alone with an individual staff member
You’ve never had an incident which resulted in an allegation of sexual abuse

If you do not meet these requirements, you can still get sexual abuse and molestation coverage under Program A above, but the cost is several times higher.

Cost

The majority of our Pilates studio insurance premiums start at $475 per year. It is free to get an online quote. Premiums vary based on location, coverage limits selected, and number of members/clients. We suggest filling out the online applications to get a quote tailored to your studio.

Common Questions

Q: As a studio owner, am I covered if I teach off-site at another studio?

A: No. If you teach independent of the studio at another location, your studio policy will not cover you.

Q: Is coverage included for independent contractors?

A: Not with the basic coverage, but you have the option to add independent contractors for an additional premium. You can add independent contractors to Program A when you apply, and to both Programs anytime after you’ve purchased the insurance. Coverage for independent contractors is non-transferable. That means if the contractor you paid for left after a short period of time, and you hire a new independent contractor, an additional premium will be due to cover the new independent contractor. Independent contractor premiums cannot be pro-rated or refunded.

If you purchase insurance under Program A , you can add the name and mailing address for each independent contractor when you apply. Do not use the address for the studio for that.

If you use Program B , email caitlyn@dancestudioinsurance.com anytime after you’ve purchased your insurance, and tell us how many independent contractors you want to cover. We will respond with a quote. The additional premium is based on a percentage of your Liability premium, and starts at $50.

To find answers to other common questions, view our FAQs . Get the best Pilates insurance from Dance Studio Insurance by contacting us today.