Pilates Instructor Insurance

small business protected by pilates instructor insurance

Strengthen Your Studio With Pilates Instructor Insurance

You’re passionate about helping your clients get stronger and achieve their fitness goals. Keep your studio running strong with insurance for Pilates studios.
 
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small business protected by pilates instructor insurance

Why Do You Need Insurance for Pilates Studios?

Running a Pilates business means you face unique risks, and sudden challenges can upset your business’ balance. That’s why business insurance is important. Pilates instructor insurance is made up of different types of business insurance coverages to help protect against different risks. With proper coverage, you can have peace of mind knowing you’re better prepared for the unexpected.
business protected by pilates instructor liability insurance

Who Needs Pilates Insurance?

The Hartford can help protect a variety of Pilates businesses, including:
 
  • Independent or freelance instructors
  • Studio owners
  • Certified Pilates trainers
  • Yoga studios
instructor protected by pilates teacher insurance

What Type of Insurance Do I Need for a Pilates Business?

Most Pilates instructors and studio owners start with a Business Owner’s Policy (BOP). It helps protect against bodily injury and property damage claims, which can be common during normal operations.
A BOP combines three essential types of coverage many Pilates studios and instructors may need into a single policy:
 
  • General liability insurance helps protect your studio from claims it caused bodily injury or property damage to someone else.
  • Commercial property insurance helps protect the owned or rented building your studio is in, reformer machines, equipment and tools that you use to operate.
  • Business income insurance helps replace your lost income if you can’t operate because of property damage caused by fire, wind or theft.
Every Pilates studio faces different risks and has unique needs. So, we’ve made it easy for you to get other types of insurance to add more protection. For example, if you drive a company-owned vehicle for business, you’ll likely need commercial auto insurance.
 
 

How Much Does Pilates Instructor Insurance Cost?

The cost of pilates instructor insurance varies because every business owner has unique needs. Here are the average costs customers of The Hartford pay for a few common types of insurance:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It’s important to remember that insurance costs vary between Pilates businesses. Since every business owner has different needs, and because insurers use several factors to determine rates, your cost may be higher or lower than the average.
 
The best way to find out how much you’ll pay for Pilates insurance coverage is to get a quote.
pilates insurance for instructors protects pilates business

Here for You 24/7

We know how busy you are running your Pilates studio. We’ve made it quick and easy to get your proof of insurance online whenever you need it.

Covering Your Operations

From client injury lawsuits to unexpected studio closures, challenges can disrupt your operations if you’re not prepared. The right coverage helps protect your business, so you don’t have to worry about the cost of unforeseen setbacks.
Extreme weather is expected to become the second most critical risk for businesses within the next two years.4
Business Income Insurance for pilates instructors

Business Income Insurance

“A severe thunderstorm hit our area and knocked out the power in our neighborhood. We had to close the Pilates studio for a whole week.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities if you can’t temporarily operate your Pilates studio because of covered property damage.
general liability insurance for pilates instructors

General Liability Insurance

“During one of my Pilates classes, a client fell off the reformer machine and hurt her wrist. She had to go to the hospital for treatment.”
 
General liability coverage can help cover claims your Pilates business caused bodily injury to someone. It can help cover their medical bills and your legal fees in the event of a lawsuit.

Taking Care of Your Team

Your Pilates instructors and staff are key to your studio’s success, but they can also face risks every day. The right kind of Pilates insurance for instructors can help protect your team, so they can focus on their clients.
There were 445,642 injuries caused by exercise equipment in 2022.5
workers’ compensation insurance for pilates instructors

Workers’ Compensation Insurance

“One of my instructors was demonstrating a movement with the Pilates ring when she lost her balance and fell. She ended up spraining her ankle and had to take a few weeks off for it to heal.”
 
Workers compensation insurance helps give your instructors and staff benefits if they get a work-related injury or illness. This coverage can help pay for their medical bills and ongoing care costs, as well as replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
Professional Liability Insurance for pilates instructors

Professional Liability Insurance

“One of my clients claimed my instructions during a class caused them to injure their back.”
 
Professional liability insurance helps cover claims that you made a mistake in your professional services. This type of insurance can help pay your legal defense costs, attorney fees or other court-related costs.

Protecting Your Property

We know how important your Pilates property and equipment are to your business. It’s why we created insurance solutions to address the unique risks you face every day.
Pilates equipment, tools and supplies can cost tens of thousands of dollars.6
commercial property insurance for pilates instructors

Commercial Property Insurance

“We had a break-in at our Pilates studio. The thieves not only stole some of our equipment but also smashed the front windows to get in.”
 
Commercial property insurance helps protect the equipment, tools, supplies and furniture you use to operate your Pilates studio. It can also help cover losses or damages caused by storms, fires or vandalism.
commercial auto insurance for pilates instructors

Commercial Auto Insurance

“I was on my way to teach an off-site Pilates class when my car was rear-ended. Thankfully, I wasn’t injured, but the studio van was pretty banged up.”
 
Commercial auto insurance can help protect you and your Pilates employees on the road when driving a company-owned vehicle for business.

Pilates Instructor Insurance You Can Count On

As an owner of a Pilates studio, you face unique challenges, like:
 
  • Creating a safe environment for clients
  • Ensuring smooth studio operations
  • Protecting your instructors
The Hartford understands the risks you face every day. We have more than 200 years of insurance experience and have helped more than 1.5 million small business owners better protect their companies. Our Pilates instructor coverage solutions can help protect your studio and help give you peace of mind.
 
Find out about other fitness-related professions we insure:
 

Frequently Asked Questions About Pilates Instructor Insurance

Pilates instructor liability insurance is made up of different types of business insurance coverage aimed to help protect your business from claims. If your business damages someone else’s property, general liability insurance can help cover the repair costs. If one of your instructors gets hurt while leading a class, workers’ compensation insurance can help them recover. There are many types of Pilates insurance solutions, each designed to help safeguard your studio.
Your Pilates business needs insurance because it helps protect against risks that can come up during normal operations. Without insurance coverage, you’d have to pay out of pocket for claims. This can be costly and put your business at financial risk. Some states may also require you to carry certain types of business insurance. For example, many states require liability coverage for vehicles. So, if you’re using a business-owned vehicle for work, you’ll need commercial auto insurance to be compliant.
The best way to get Pilates instructor insurance options from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online. In just a few minutes, you can find insurance solutions that meet the needs of your Pilates business.
instructors smile knowing they are protected by pilates insurance

Move Confidently With Pilates Instructor Insurance

Get the protection you need to help keep your Pilates business stable and successful with insurance options from The Hartford.
 
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Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
4 World Economic Forum, “Global Risks Report 2024”
 
5 GymMaster, “Gym Health and Safety Statistics 2024”
 
6 Studio Pilates International, “How Much Does It Cost To Open a Pilates Studio?”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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