Why do Pilates instructors need insurance?
Client condition worsens
As a Pilates instructor, you’re often asked to tailor exercises to those with specific illnesses and injuries. You might provide freelance work within a rehabilitation clinic, supporting physiotherapists to help people rebuild their strength, for instance. When a client’s back injury is worsened by a clinical Pilates session, they may seek financial compensation. Professional, treatment and public liability insurance can help a Pilates tutor with the cost of disputing a case and cover compensation if a claim is successful.
Accidents and injuries
Fitness studios can be busy places, so accidents can happen out of the blue. A class attendee might slip from their side plank on a loose studio floorboard or collide with a low ceiling on their way into your premises. One-to-one sessions can also carry risk – when you arrive at a client’s home, you might scratch a newly-painted wall with your kit bag. Pilates is customer-facing, so professional, treatment and public liability insurance can help with related slip-ups.
Your equipment goes with you wherever you teach and it can be crucial for the smooth-running of your classes. So, if your Pilates chair is damaged while it’s being moved in the studio, or the mats you loan out are returned in an unusable state, it could prove expensive for your business. With portable equipment insurance built into your Pilates instructor policy, you’ll have cover for repairs or replacements if your insured equipment is lost, damaged or stolen.
What insurance is available for Pilates instructors?
Professional treatment liability insurance and public liability insurance can be helpful for Pilates instructors. So, we have combined them into one product – professional, treatment and public liability insurance. Though we talk about them separately below, professional, treatment and public liability insurance is a combined cover with one combined limit. You can get public liability cover as a Pilates instructor by purchasing this combined cover. Find out more about the business insurance products available to you by contacting us.
If you’re not sure what you need, tell us a little more about what you do. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Insurance for Pilates instructors: FAQs
What insurance do I need to teach Pilates?
As a Pilates instructor, you may find you need the protection of a combination of insurance products to maintain your practice with reassurance.
Most cover isn’t legally mandated, however, employers’ liability insurance may be a requirement if you employ another instructor, or a team of teachers.
Professional, treatment and public liability insurance is combined cover designed for businesses such as yours and can help with class-based injuries and accidents unrelated to your instruction.
Cover for personal accidents can be helpful if you’re injured and unable to teach – and equipment insurance can help pay for repairs and replacements.
Learn more about the types of business insurance Hiscox offers and how they work.
Do I need insurance for my studio?
If you run a Pilates business from a studio, then you might need insurance for protection against risks such as break-ins and floods.
The type of cover you’ll need depends on whether you own or rent the studio. If the bricks and mortar are yours, then you might benefit from commercial property insurance, whereas office insurance is better suited to Pilates instructors who rent a studio.
If you work from various premises, then portable equipment insurance can cover the Pilates rings, rollers or mats you bring along. It can also safeguard the electronic devices you use to play music or review session plans.
Do I need insurance if I’m coaching Pilates online?
You may still need insurance if you provide online Pilates coaching because many key professional risks remain. As an online Pilates instructor, you still give instructional advice during every session, so professional, treatment and public liability insurance can be as relevant as ever.
If your Pilates business operates from your home, then it could be a good idea to ensure you have adequate contents insurance for the business equipment you’re storing there.
As your laptop becomes central to your work, cyber and data insurance may offer welcome reassurance that you’d be able to get back up and running after a hacking event or breach.
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