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Who needs Pilates instructors insurance?
Pilates instructors who teach and coach groups or individuals in basic, intermediate and advanced techniques should have professional and general liability insurance. Problems can arise when working with clients who slip and fall at your studio or otherwise feel damaged by your fitness instruction. Liability insurance is a great way to protect yourself while continuing to provide beneficial services to clients. This is especially true for Pilates instructors who work privately or own a studio.
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Policies available for Pilates instructors
For the majority of Pilates instructors, there are two main types of insurance policies worth considering, each of which provides its own unique aspects of protection to help you run your business smoothly.
Professional liability insurance for Pilates instructors
Professional liability coverage, also known as E&O or errors and omissions insurance, provides a number of benefits to instructors, including coverage for personal injury, defense costs, negligence and also claims against services rendered in the past. Although events such as fraudulent acts or property damage aren't typically covered by professional liability insurance, this type of policy is important for those who regularly provide professional services or advise clients, such as Pilates instructors.
A professional liability insurance policy could protect you in a situation like this: A Pilates instructor provides private instruction to a busy executive. The client is dissatisfied with the progress they are making, and requests more frequent sessions. Soon after, the executive begins complaining of back pain and files a claim against the Pilates business. A professional liability policy could protect the instructor, including providing an attorney to defend them if necessary.
When a client reacts negatively or feels as if they have been damaged in some way, getting sued is always a possibility. Potential problems for Pilates instructors can come in a number of different forms, such as bodily harm, negligence and other types of claims. You can protect yourself by getting professional liability insurance—a crucial tool for providing peace of mind to professionals.
General liability insurance for Pilates instructors
Pilates instructors can benefit from having professional liability insurance, but there are certain scenarios that are not typically covered under this type of policy. You may also benefit from general liability insurance, which covers small businesses against claims of property damage or bodily injury, as well as any associated medical costs.
For example, suppose a Pilates instructor goes to a client’s home for a session. On their way out of the home, the instructor inadvertently knocks over an antique vase, smashing it. The client insists that the instructor replace the valuable vase. A general liability insurance policy could cover the cost of the broken vase.
Though your own property won't usually be covered under general liability insurance, damage sustained to third-party property most likely will be.
Why do Pilates instructors choose Hiscox?
At Hiscox, we understand just how much work goes into being a Pilates instructor. Whether you've opened your own studio or are working as an instructor in a different capacity, we can help you grow your career by reducing risk with our insurance policies, allowing you to focus on what really matters: providing top-notch service to your clients.
Here are five reasons why Pilates instructors choose Hiscox above other providers for general and professional liability insurance:
- Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help you manage your cash flow.
- Tailored insurance: We specialize in businesses like yours and tailor coverage to the risks in your field.
- Claims responsiveness: When a covered claim is reported, we will immediately defend you—even if the claim has no basis—and, if necessary, appoint an attorney.
- Coverage for contracts: Our Pilates instructor insurance satisfies most standard contract insurance requirements.
- Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
- Passion for service: Agents knowledgeable about your business concerns will provide you with excellent service—4.7/5 people surveyed recommended us.
Ready to learn more about how Hiscox insurance can help mitigate risk with small business coverage? Get a fast, free quote online or by calling us at 1-866-283-7545 and speaking with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.
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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.