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 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 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 liability 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.
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.
This program is best 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.)
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
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.
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.
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 email@example.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.