Liability Insurance for Pilates Instructors
Insure Fitness Group offers Pilates instructors access to all-inclusive liability insurance.
Pilates may be a gentle way to enhance core strength and mental alertness, however, injuries can happen, even with the most basic movements.
With thousands of Pilates-related injuries each year, its critical to take the proper precautions.
Insure Fitness Group is here to protect you, and your career, with the best coverage in the industry - for less than $17 / month!
no hidden fees,
As low as $17 per Month!
Pilates instructor Insurance Program Highlights
Insurance for Students in Yoga Teacher Training
Professional & General Liability: $2 Million
Individual Annual Aggregate: $3 Million
Rental Damage Insurance: $100,000
Occurrence Form Coverage
Stolen Equipment Insurance: $1,000 *$250 deductible
Identity Protection Plan
PLUS Free Professional Website
WHY DO YOU NEED PILATES INSTRUCTOR INSURANCE?
According to the U.S. Consume Product Safety Commission, there were almost 460,000 reported fitness injuries in 2012.
Approximately 50,000 reported injuries were caused by low weight and equipment. Pilates instructor insurance can help protect your career from lawsuits related to fitness injuries.
Pilates workouts, through the use of special training equipment, can present risks for injury just like other popular workout programs. As a Pilates instructor, it's important to carry liability insurance to protect yourself against lawsuits.
Insure Fitness Group offers the most comprehensive and affordable Pilates Instructor insurance package, with additional member benefits.
What is pilates instructor insurance?
Pilates instructor insurance covers claims related to the day-to-day operations of your Pilates business. For example, if a student sustains an injury in your Pilates class or you damage a studio during a training session, Pilates instructor insurance could help you a lawsuit and the financial burden from a claim.
Pilates teacher insurance from Insure Fitness Group also provides professional, general, and product liability coverage, stolen equipment coverage, identity theft protection, and rental damage insurance. All of these coverages are available for $179/year, with no hidden fees.
General LIABILITY INSURANCE FOR PILATES INSTRUCTORS
There are inherent risks, with all exercise classes. Pilates liability insurance protects you, the Pilates instructor, from claims and potential lawsuits for a multitude of accidents that could happen during class. Pilates general liability insurance protects you from accidents that may arise, through no fault of your own, as the Pilates instructor.
For example, if a student slips and falls on some split water during class and breaks their arm, you may be liable. If a student pushes themselves too far, into a move they cannot do, and injures them self, you may be liable.
While you may work hard to stay current with the health needs of each client, sometimes they are not as forthright with their conditions as you need them to be. For example, you may have a female client who has recently become pregnant, but has chosen not to share that information with you. You might also have a male client who has a heart condition, or other serious health condition that could put him at risk during some of the moves he will perform in class. Pilates instructor general liability insurance would protect you from claims arising due to conditions like these. You can still see why it is critical for the health and longevity of your business that you make sure to have Pilates instructor insurance coverage.
Insure Fitness Group offers the best Pilates instructor insurance available. Unlike other insurance companies, we will cover a claim that happens within the policy period even if it is filed years later. With this type of support, we know that you will be able to rest easy and focus your full attention on your Pilates classes. Teach confidently with Pilates insurance coverage from Insure Fitness Group.
PRODUCT LIABILITY INSURANCE FOR PILATES INSTRUCTORS
Despite the fact that you worked hard to earn your Pilates instructor certification, teach clearly, and check your equipment on a regular basis, accidents can still happen. The fact is that there are inherent risks with exercise itself, and this risk only increases when various pieces of equipment are added to the mix. Product liability insurance can provide the peace of mind you need so that you can focus on teaching Pilates to your clients instead of worrying about potential lawsuits.
Product liability insurance is the type of insurance that offers a warranty or guarantee on a product. It is specifically created to cover you in the event that a product malfunctions and causes injury or damage to third parties. Depending on how the product was manufactured, designed, and assembled, you could be at risk of a lawsuit. Even if your client uses the equipment incorrectly, you could still be held liable for any damage that was caused or bodily harm.
While Pilates can be performed without equipment, if you are working in a studio, then you are probably using a number of pieces of Pilates equipment including: a trapeze table, the Wunda Chair, and The Reformer. The use of this type of equipment means that your risks of client injury and lawsuits increase. All it takes is a loose spring, a moment of unfocused attention, or an improperly secured safety chain for an injury to occur. Pilates product liability insurance helps to protect you in this type of situation, so that you do not bear the brunt of the financial expenses associated with a lawsuit.
How do monthly Payments with IFG Work?
We know you want flexibility in your budget so we've partnered with PayPal Credit to offer a finance option that let's you pay for your policy monthly. When you choose to pay monthly, PayPal Credit takes the total cost of your policy plus a small service fee and breaks it up over your selected duration.
Using PayPal Credit is subject to a credit check and there is no interest if you pay off your policy within the first 6 months. After 6 months interest fees may apply.
You'll receive instant coverage and a proof of insurance certificate via email immediately upon checkout.
Professional + General Liability: $1 million per occurrence, $3 million per year Product Liability: $1 million per occurrence
We've teamed up with PayPal credit to make it easy for you to pay for your policy the way you need.
Identity protection, $1,000 of stolen equipment coverage, fitness-related product discounts and access to Vision and Dental coverage all included!
Pilates Instructor Insurance from Insure Fitness Group gives you peace of mind through complete professional liability insurance.
Are you covered in the event of an accident or injury?
What else is Covered?
Our Pilates instructor insurance program covers a multitude of exercise programs, workout routines, along with hundreds of other healing and fitness practices. IFG covers fitness instructors working in solo careers, small gym environments, or as employees of national gym chains. In addition, we offer liability insurance for specialty training programs like Circuit Training, HIIT, Zumba, Dance, and Barre, along with hundreds of other training and healing practices.
To find out if your practice or style is covered, call us at 800-379-7799!
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Pilates Instructor Insurance FAQ
Do I need Pilates insurance if I teach in a gym that has their own insurance?
Even though a gym may have their own insurance, chances are good that even if they extend you some degree of coverage, the coverage provided will be a relatively small amount. This means that you alone bear the responsibility for paying any shortfalls there may be. If you are operating as an independent contractor, you may not have any coverage at all under the gym’s policy, making it vital for your own financial affairs and very well the fate of your career to have a solid professional liability insurance policy backed by an A-rated carrier.
Can you pay a monthly rate for Pilates insurance?
Absolutely! We know as an instructor that being able to prioritize payments each month can make all the difference to your bottom line so offer the convenience of flexible payments. Through PayPal credit, members can pay monthly premium amounts instead of having to provide the full balance each term.
How much does Pilates insurance cost?
Purchasing a one-year Pilates liability insurance policy today and paying the full balance is $179. To opt for a monthly premium, we’ve partnered with PayPal credit where members can pay as low as $17 for our pilates insurance program with twelve months of coverage. We also have a student rate of $25 for a year for students in Pilates instruction. Call now to start the process of applying to participate in our PayPal credit program.
Where can I see verified reviews of Pilates insurance?
We have chosen to rely on TrustPilot in order to get real reviews from real members. We believe this transparency is crucial in order for professionals to have all the information they need in order to make an educated decision for them and their careers. We’re very proud to have a TrustScore of 4.6 out of 5 based on the reviews of professional fitness providers like Pilates instructors.
What are some examples of claims filed against Pilates instructors?
How long do you have? Truth is, we’ve seen so many different types of claims in this industry that hardly anything seems new anymore and yet we see new kinds of liabilities all the time. To give you a better picture of the bulk of our program, we’ll run through an example within each of the three core protections our pilates insurance coverage affords:
- General liability: a client slips on the welcome mat and shatters their hip on the hard concrete beneath. They are suing for their injuries, doctors bills, time spent out of work, and emotional distress.
- Professional liability: a client strains a muscle while trying to concentrate on their balance and core strength in a physically-demanding Pilates position. Since you were providing instruction, they assert you are liable for their injury and should pay for their doctor visits and physical therapy bills.
- Product liability: a client breaks out with an allergic reaction from the being on the Reformer you had them using during their session. They file a claim alleging the cleaner you use is what caused their reaction and they demand you pay for their medical treatment.
Can you teach Pilates to a group and still get Pilates instructor insurance?
Of course. Our Pilates instructor insurance is good no matter how you wish to provide your instruction to clients. Whether that’s with a large group at a park, or in a one-on-one at the gym, our members enjoy the benefit of full insurance coverage through our Pilates instructor insurance program.
What type of Pilates classes does Pilates liability insurance cover?
Our Pilates instructor insurance program provides coverage for more than 100 different popular workout routines. See our chart of automatically covered fitness programs. If you don’t see your particular style listed, talk to a knowledgeable agent who can see about having your specialty added to our growing list.
What is Pilates insurance used for?
Pilates insurance, like any insurance policy, is a contract between the insurer and the policyholder that, if an event occurs that falls under the provisions of the policy, the insurer will provide the financial resources to cover the costs of the claim, up to whatever the policy’s limits are. Pilates insurance is used to cover the liabilities that are inherent in the industry of providing Pilates instruction. Putting clients through physically-challenging sessions, unfortunately, presents many opportunities for liabilities to occur. Not fully knowing where clients are coming from with physical ability, existing health conditions that can be exacerbated by exercise, and even completely random events which are hard to ever plan for all present opportunities for a liability claim to be filed against a professional. Insure Fitness Groups' professional liability insurance provides security from these liabilities.
WHAT TYPE OF COVERAGE DOES PILATES INSURANCE GIVE YOU?
Most claims that befall a Pilates instructor fall within three areas of liability - general, professional, and product. Pilates insurance provides ample coverage for these three anchors, in addition to providing other protections for other events that can arise in the course of providing Pilates instruction.
- General liability is what’s known as “slip and fall” insurance because it provides coverage for injuries or damages that occur simply from being open for business.
- Professional liability gets a little more specific as it applies to the actual services you provide. Routinely called “malpractice” insurance, this important coverage provides Pilates instructors with assurance that alleged incidents of malpractice will be provided for, up to the policy limit.
- Product liability provides a good amount of coverage for any claims that result from when a client has a detrimental reaction to a product that was used during the Pilates session.
Kicking it up a notch, our insurance program also provides coverage for many other types of loss events like stolen equipment or damage to a rented space - all so our members have multiple layers of protection from the what-ifs surrounding a future claim. Learn more about Insure Fitness here.
WHAT KIND OF CLAIMS DOES PILATES INSURANCE COVER?
Pilates insurance covers a wide range of claims for today’s Pilates instructors kicking butt in the field. General and professional liability claims are some of the most common types that a Pilates instructor might face in their career. Claims related to these provisions will be taken care of up to $1 million for each claim and $3 million in total for all claims in a year for each individual (referred to as an individual annual aggregate). Our Pilates instructor insurance also comes complete with product liability coverage, stolen equipment coverage, rental damage coverage, and more. Learn more here.
ARE BENEFITS INCLUDED WITH PILATES INSURANCE?
However, you define benefit - perk, reward, gravy - our insurance program comes with some of the best benefits the industry has to offer. We have built relationships with the best names in fitness gear, accessories, service providers, and event builders to bring our members exclusive access to these and other great programs like our professionally-curated member content library.
IS THERE A STUDENT IN PILATES INSTRUCTION POLICY AVAILABLE?
Certainly! We help out our Pilates students that are just getting into the industry with a students-only rate of only $59 for a year of insurance coverage. A great strategy for students of Pilates instruction is to wait until they are nearing graduation to purchase their one-year student policy. That way, they will get professional liability insurance coverage for almost the entirety of their first year in the industry. On-the-job lessons are sometimes costly so having the backing of our solid insurance program for Pilates instructors is one of the best decisions a student can make for protecting their budding career.
WHY IS IT CALLED PILATES INSTRUCTOR LIABILITY INSURANCE?
Liability insurance provides a guarantee for the policyholder that a liability claim against them is covered per the provisions of the policy. Liability is simply something you have financial responsibility for. Instructors assume a certain amount of liability when they choose to provide services.
IF I MOVE STATES, WILL I STILL BE COVERED BY MY PILATES INSURANCE?
That’s affirmative. We chose to offer the convenience of full-portability with our Pilates instructor liability insurance policy. This means that no matter if you switch employers, choose to strike it out on your own as a sole proprietor, or even pick up and decide to offer services in a new state, your policy follows you. Do note that, we are only able to provide coverage for those services that you are legally experienced, and duly licensed for, in the state or locale in which you plan to operate. The best course when moving states is to look up your new state’s requirements for transferring a license or starting a new Pilates practice and get the necessary wheels in motion well in advance of your move.
Still have questions about our program or fitness instructor insurance in general? No worries! Insure Fitness Group is available Monday through Friday, from 8:30 AM to 5:30 PM ET. And we have an after-hours line, too! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.