Pilates and yoga insurance includes a range of coverages, including commercial general liability, professional liability, and sexual misconduct. Studio owners, full-time independent instructors, and part-time instructors all need insurance. Depending on the coverage types and limits of your policy, the cost for pilates and yoga teacher insurance can range from $125 – $400+ per year.
Types of Pilates & Yoga Insurance
There are several different types of Pilates and yoga insurance coverage. Each coverage type will protect against certain risks that are inherent to the business of pilates and yoga instruction. The insurance coverage you need will depend upon your exposure to these risks and any gaps in coverage you may have with existing insurance.
Pilates & Yoga Insurance Coverage Types
|Coverage Type||What It Covers||Common Coverage Limit|
|General Liability||Bodily injury or property damage to third parties or to your premises||$1 million to $2 million per occurrence |
$4 million individual annual aggregate (When combined with Professional Liability)
|Professional Liability||Protects against claims that your instruction resulted in injury.||Usually included in General Liability aggregate|
|Personal Injury||Protects against lawsuits involving libel, slander or invasion of privacy.||Usually included in General Liability aggregate|
|Product Liability||Claims made against products that you recommend to your students.||$1 million to $2 million annual aggregate|
|Rental Damage||Damage to your rental equipment.||$100,000 to $300,000|
|Stolen Equipment||Theft of equipment you use||$1,000|
|Sexual Misconduct||Covers lawsuits arising from claims of sexual misconduct.||$100,000|
Note that most major insurance companies combine general and professional liability insurance coverages together, which is why they are combined in the coverage limit estimates here. Most coverage types are bundled together into one package for cost efficiency. If you would like to get more accurate estimates based upon your needs, Next Insurance can help.
Pilates and yoga are both good means of improving core strength, mental awareness, flexibility, and general well-being. However, these positive results still often require your students to push themselves to the limits of their physical ability, which means that bodily injury is possible at any time during instruction. There are also other risks associated with teaching pilates or yoga.
Here’s a detailed description of each coverage type that a pilates or yoga instructor may need, along with an example and who needs the respective coverage type:
General liability insurance coverage will protect you against any third-party claims for bodily injury or damage to property. Therefore a GL policy will cover you in the event one of your students is injured. Since a liability lawsuit is your biggest financial risk, general liability is the most important coverage type for most pilates and yoga instructors.
- Example: A large piece of art in your studio falls on one of your students and they are injured. General liability insurance would cover a bodily injury claim and legal defense if the student decides to sue you, which can occur whether or not you are negligent.
- Who needs it: All studio owners, instructors not covered under the studio’s policy.
Professional liability insurance for pilates and yoga teachers covers the costs of injuries to students and legal defense for injuries that occured while under your instruction. For a claim to be covered, it must have happened as a direct result of services you provide. Professional liability can also cover injuries to a student caused by your error, omission, or failure to deliver the correct instruction. This particular coverage is also called errors and omissions insurance.
- Example: A student doesn’t understand your explanation of a particular exercise or movement and they injure themselves as a result. While you are not negligent, the injury still occurred as a result of a service you are providing.
- Who needs it: All pilates and yoga instructors should have professional liability coverage, even if they are independent and the studio where they work has liability insurance. Most studios will require professional liability before they allow the instructor to work there.
Personal injury insurance covers claims arising from harm other than bodily injury, such as libel, slander or invasion of privacy, none of which are covered in a general liability insurance policy. Although personal injury claims are not common, they can be costly, especially if there are legal fees to be covered as a result of a lawsuit.
- Example: You post a photo of your class on the Internet to promote your services and one of your students did not want their photo to be used. The student then sues you for invasion of privacy. Remember that you need not be negligent to be sued.
- Who needs it: Although you are wise to look for this coverage in your liability policy, personal injury coverage is not a necessity for pilates and yoga instructors
Product Liability Insurance
Product liability insurance covers injuries caused by products used by your students. If you advise a student to use a piece of equipment, even if you did not make this product, you could be sued for injury from faulty equipment. This coverage can extend to products, such as nutrition and dietary supplements, you sell to clients.
- Example: A resistance band breaks during a pilates class, or a yoga student is trying a challenging pose on a prop you provided, causing your student to fall and get injured. Product liability insurance would cover claims arising from the bodily injury.
- Who needs it: Pilates or yoga instructors that use their own equipment.
Many Pilates and yoga instructors do not own the property in the studios where they train and teach their clients. Rental damage coverages protects you from accidental damage to property and rented space where you do business.
- Example: One of your students stumbles and falls into a large mirror, causing it to crack. The student isn’t injured but the mirror is owned by a studio where you rent space and the mirror needs to be replaced.
- Who needs it: Pilates and yoga instructors who work independently and rent property to do business.
Pilates and yoga instructors can be held liable for studio theft and they stolen equipment coverage protects against these claims. People come and go frequently in the environment where you work. This introduces greater risk of theft. Even if you don’t use the more expensive equipment in the studio where you teach, you may still be held responsible for stolen equipment.
- Example: A piece of exercise equipment is stolen from the studio where you work and you were the only person of responsibility present when the theft occurred. You could be held liable for the stolen equipment.
- Who needs it: Pilates and yoga instructors who work independently and are not covered by a liability policy held by the studio where they work.
Sexual misconduct insurance coverage can pay your legal defense fees, up to a certain limit. Pilates instructors and yoga teachers are consistently in close physical contact with their students and this aspect of the job makes the risk of sexual misconduct claims significant, even if you believe nothing inappropriate occured.
- Example: You teach pilates or yoga and consistently treat each client in a professional manner. After providing one-on-one instruction for a client, they feel as if you touched them inappropriately and decide to sue you.
- Who needs it: All pilates and yoga instructors, especially those who are often alone with their students.
All Pilates and yoga instructors need at least some form of insurance. However, each form of instruction will require insurance coverage types unique to the respective business and practices. To build the right policy for your pilates or yoga business, the experts at Next Insurance can help. Plans start at $11 per month.
Pilates & Yoga Insurance Cost
The cost of insurance for Pilates and yoga instructors can range from $150 to $400+ per year and varies across coverage types and limits, depending upon a few key variables. For example, Pilates insurance costs can be higher, depending upon equipment used. Also, owning or leasing a studio will require more liability coverage and possibly workman’s compensation.
Costs for Yoga & Pilates Insurance
|Insured Type||Annual Premium Range||Typical Coverages|
|Pilates Instructor||$150 - $300||Professional & General Liability, Product Liability, and Rental Damage|
|Yoga Instructor||$125 - $250||Professional & General Liability, Product Liability, and Rental Damage|
|Pilates Studio||$450 or higher, depending upon number of students||Business Owners Policy|
|Yoga Studio||$450 or higher, depending upon number of students||Business Owners Policy|
Independent Pilates and yoga instructors often teach at more than one studio. Most insurance companies charge $20 to $30 per additional per year. Pilates instructors will pay lower insurance premiums if only instructing on mats and no equipment is used. Studios will likely need workers’ compensation coverage, which averages $1.50 per $100 in employee wages.
Where to Get Pilates & Yoga Insurance
Most Pilates and yoga instructors will get their insurance through the conventional sources like insurance agents or brokers. Some industry and non-profit organizations will offer insurance coverage, information about insurance, discounts on coverage, or some combination of these benefits and services.
Here are two good non-profit resources for Pilates and yoga instructors to find insurance information:
- Pilates Method Alliance (PMA) is a professional association for Pilates teachers. Created in 2005, the PMA’s mission is to advance and develop Pilates as a profession. There is a membership fee to join PMA but they offer reduced rates on insurance policies that they have endorsed.
- Yoga Alliance is the largest non-profit yoga association representing yoga teachers and the greater yoga community. Yoga Alliance, like the PMA, is a membership professional and trade association that offers its members many benefits, including liability insurance.
Whether you go through an agent, a broker, or trade association, it’s important to get the best coverage at a price you can afford. Like other important business and finance decisions, be sure to get at least three quotes from reputable sources. For help in educating yourself on the best insurance coverage, you may start with Next Insurance.
How to Get Pilates & Yoga Teacher Insurance
When shopping for yinsurance, it’s smart to get your quotes from multiple agents from different insurance agencies. But the process can be made quicker if you use a broker that can shop different policies for you and find the best coverage at a price that works for you. The broker can also help you choose the policy and apply.
Here are the two primary steps you’ll take to get Pilates or yoga insurance:
1. Gather Your Information
Before applying for pilates or yoga insurance, and to get the most accurate quotes on rates and coverage limits, you’ll need to provide the insurance agent or broker some information. This information will help determine how much of a risk your business might be to the insurer.
Here’s the information to have ready before applying:
- Address and contact information
- Equipment you will be using with clients
- Products you sell or provide to your clients
- Claims history (at least the past 3 years)
- If you require clients to sign a waiver
- Criminal history, if applicable
- Certifications you hold
After gathering the information, you’ll be prepared to begin getting insurance quotes for your pilates or yoga business. The insurance agent or broker can use the information to assess risk and recommend coverage limits. Then, based upon the risk factors, they will be able to determine how much you’ll pay in premium.
2. Find a Broker & Apply
Insurance brokers typically work with several different insurance agencies, which means they can find the best insurance company to fit your needs. Using a broker may add some additional costs to your premium but they can show value by shopping for competitive rates and by sharing their knowledge and experience with you.
The experts at Next Insurance can provide a free, no obligation quote within minutes. Their plans for yoga teacher insurance start as low as $11 per month and they enable you to build a policy that’s the perfect fit for you business. Plus you’ll get instant access to your certificate of insurance.
Tips for Buying Insurance for Pilates & Yoga Instructors
According to the Yoga Alliance, there are more than 36 million yoga practitioners in the US and many studio owners report serving 100-500 students per week. That’s great for the yoga business and represents a huge growth in the industry, but it’s also a large pool of potential plaintiffs. The proper insurance coverage will keep you protected and your business growing.
At a minimum pilates and yoga instructors instructors need professional liability coverage but you shouldn’t assume that studios where you teach will have sufficient general liability insurance to cover you. Therefore, it’s a good idea to bundle general liability with professional liability, along with other coverage types that may be suitable for your needs.
One important aspect of choosing the best insurance coverage for pilates and yoga instructors is the ability to print a copy of your Certificate of Insurance (COI), a document given to you by the insurance company that confirms your coverage. The COI is typically required before you can begin teaching at a studio or similar facility.
According to Alon Huri, of Next Insurance:
“Yoga and Pilates instructors should focus on finding insurance that’s affordable, specifically built to their needs, and offers a full range of online options including Certificates of Insurance. Opportunities to teach in new places can arise all the time, so the ability to print off Certificates of Insurance and add Additional Insured online instantly is particularly important for yoga and Pilates teachers.”
Fortunately, the cost of Pilates and yoga teacher insurance, which ranges from $150 to $400 per year, is low compared to other commercial insurance policies. At this price, and considering the range of risks involved, such as bodily injury, the premiums are well worth the investment to keep your Pilates or yoga business strong and healthy like your students.
Getting insurance coverage for a Pilates or yoga instructor can be easy. Speak with a knowledgeable and reputable insurance agency, like the experts at Next Insurance, and have your business reviewed. They can make sure you have the coverage you need at the best price for you. Best of all, you can get a free, no obligation quote in minutes.