Pilates studios offering Pilates mat or reformer classes and training can apply for coverage here.

Coverage

Accident Medical helps pay the medical bills of an injured participant after the injured participant’s health insurance pays out. This is designed to help protect the studio owner from being sued, since most people sue when they get hurt and can’t pay for their medical bills.

General Liability protects you and your studio in the event of a lawsuit if someone sues your studio (including owners, directors, employees, and volunteers) for bodily injury and/or property damage and the litigation costs to defend such claims.

Please note, the general liability policy provides coverage if you are found negligent in damaging someone else’s property. Any damage to your business personal property would not be covered under the liability policy. If the studio’s equipment and contents were damaged in a fire, for example, 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 Insurance application.

The Process

1. Fill out the application.
2. Call us with any questions, at 877-811-2271.
3. Submit payment online.
4. The policy will be issued immediately and available to view, print, and/or download.

Cost

The majority of premiums start at $475.00 per year. It is free to get an online quote. Premiums will vary based on location, coverage limits selected, and number of member/clients. We suggest filling out the online applications to get a quote tailored to your studio.

Common Questions

As a studio owner, am I covered if I teach off-site at another studio?
No. If you teach independent of the studio at another location, the studio policy will not cover you.

Is coverage included for independent contractors?
Not with the basic coverage, but the application will have an option to add independent contractors for an additional premium. You will add the name and mailing address for each independent contractor. Do not use the address for the studio here.

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 of $75.00 will be due to cover the new independent contractor. Independent contractor premiums cannot be pro-rated or refunded.

To find answers to other common questions, view our FAQs.