Specialist Pilates insurance

Whether you’re a seasoned Pilates instructor, new to teaching, or regularly participate in Pilates classes, Pilates insurance through Insure4Sport covers instructors and participants of mat Pilates, Reformer Pilates, or any other equipment-based Pilates classes.

Just like any sport, Pilates can come with risks, and specialist Pilates insurance can help protect you and your Pilates equipment should the worst happen.

If you decide to get a Pilates insurance policy through Insure4Sport, there are two options available to you:

• Pilates insurance: This cover option is tailored to suit individuals participating in Pilates classes in person, at home, or those who practice alone, and includes personal accident and public liability cover.
• Pilates instructor insurance: Pilates teacher or instructor insurance policies include all options available within a Pilates insurance policy but with the addition of Professional Indemnity and Employers’ Liability cover.

Why consider specialist Pilates insurance?

Having Pilates insurance in place can provide financial protection and peace of mind so you can practise or teach Pilates with confidence, knowing should anything happen, you are protected.

Pilates insurance through Insure4Sport can help cover some or all of the costs if:

• You accidentally cause an injury to a third party or their property
• Your Pilates equipment is lost, stolen or accidentally damaged (e.g. reformer bed or Pilates ring)
• You suffer a serious injury while practising Pilates

If you take out a Pilates teacher insurance policy through Insure4Sport, this also applies to:

• A client making a claim against you after becoming injured while following your guidance in a Pilates class
• An employee of your Pilates business making a claim against you for injury or illness while in your employment

What does pilates instructor insurance cover?

What's covered?

• Public liability – up to £10m for accidental bodily injury to a third party and accidental damage to third-party property
• Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of Pilates
• Theft, loss and damage to Pilates equipment
• Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
• Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies.
• Worldwide cover

What's not covered?

• Any claims not arising from your participation in Pilates
• Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of Pilates)
• Loss or theft of any Pilates equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
• Any claims for Pilates equipment where you cannot provide evidence of ownership
• Theft, loss or damage to mobile phones

For more information visit our Important Documents Page.

What does Pilates teacher insurance cover?

What's covered?

• Professional indemnity – up to £5m
• Public liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
• Employers’ Liability
• Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of Pilates
• Theft, loss and damage to Pilates equipment
• Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
• Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies.
• Worldwide cover

What's not covered?

• Any claims not arising from your participation in Pilates
• Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of Pilates)
• Loss or theft of any Pilates equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
• Any claims for Pilates equipment where you cannot provide evidence of ownership
• Theft, loss or damage to mobile phones

For more information visit our Important Documents Page.

Do I need insurance to teach Pilates?

You are not legally required to have insurance in place as a Pilates teacher. However, many gyms and studios will require you to have some form of third-party liability insurance to work on the premises. You may also want to consider obtaining specialist Pilates teacher insurance to provide financial protection and peace of mind.

For example, if one of your clients were to injure themselves or cause damage to third-party property while under your instruction, Public Liability cover may help cover some or all of the legal costs if they choose to make a claim against you.

Do I need Pilates instructor insurance to teach online?

If you teach Pilates online, this can carry many of the same risks as teaching Pilates in person. For instance, if you were to injure yourself while teaching a class, or someone you were teaching injured themselves at home, having Pilates insurance in place through Insure4Sport could provide personal accident and loss of earnings cover.

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How much does Pilates teacher insurance cost?

The cost of a Pilates teacher insurance policy through Insure4Sport will vary depending on the level of cover you choose. The quickest way to find out how much your Pilates insurance premium could cost is by getting a quick online quote today.

Do all gyms require Pilates teachers to have insurance?

Although it is not a legal requirement, many gyms and studios require you to have Public Liability insurance as a minimum if you teach on their premises. It's always best to check with the studio or gym where you plan to hold your classes to find out what insurance they require you to have before taking out a policy.

Do I need insurance for Pilates retreats in the UK?

If you are teaching at a Pilates retreat, it is best to check with the hosts of the retreat and location to understand what insurance you require to teach there. If you’re hosting the retreat and employing other instructors to teach, you are legally required to have Employers’ Liability insurance.

If you are planning on attending or teaching at a retreat outside of the UK, Pilates insurance through Insure4Sport offers the option to extend your policy to include worldwide for cover up to 180 days.

Does my Pilates teacher insurance cover other instructors I employ?

If you employ others and you wish to insure multiple coaches or instructors, you will need to list them when you take out your policy, as only people who are listed will be insured.

What qualifications do I need to take out Pilates instructor insurance?

We can provide Pilates instructor cover on the basis that your qualification is recognized by a UK governing body for Pilates. You would need to check that it is recognised with the relevant governing body.