What is Pilates Instructor Liability Insurance?

/ BLOG

What is Pilates Instructor Liability Insurance?

Aug 19, 2018 · 7 minutes to read

Teaching powerhouse core moves to clients are very satisfying. You enjoy showing elderly neighbours and young college students alike how to alleviate chronic pain and strengthen their bodies using the Pilates method. Most days you work from your home studio in one-on-one appointments. Other days you teach a Pilates mat class at the local fitness center. You have years of experience and distinguished Pilates certifications. However, you aren’t ready for true business success until you buy liability insurance.

You see professional liability insurance is meant to protect you and your business from future litigation brought by an unhappy client. In the United States, it’s been reported small businesses collectively pay $20 million per year in civil liability costs. These civil lawsuits start out as a claim by a client that the small business caused either intentional or accidental damage. As a result of the alleged damages, the customer expects the small business owner to make amends through compensation.

Of course, not all small business civil lawsuits result in the company losing the case. However, the small business will still have to pay for legal representation as the lawsuit works its way through the justice system. If this were to happen to your Pilates business, could you come up with the cash for legal representation? Or, worse yet, what if the judge does side with your former student and you are left to pay a settlement for damages?

 

What Is General Liability Insurance for Pilates Instructors?

 General liability insurance, also known as Commercial General Liability (CGL), will protect your Pilates business from another business or individual’s claims of property damage, bodily injury, and medical losses.

In summary, general liability will shield you from:

  • Property damage
  • Personal injury/Advertising Injury, including libel
  • Non-Employee Bodily injury

A general liability policy will cover, up to the policy’s liability limits, any claims made against your Pilates business. This type of liability policy will also help you pay for the legal costs created by a lawsuit. Remember, even if the lawsuit seems frivolous and the judge agrees, you’ll still have to come up with money for court and attorney fees. This could really cut into your bottom line.

 

What Is Professional Liability (E&O) Insurance for Pilates Instructors?

Professional Liability (Errors & Omissions) insurance is different than General Liability because it’s meant to protect your business from incorrect advice or training. You need E&O insurance if you provide professional services for a fee, just the same as electricians, real estate agents, accountants, insurance agents, and consultants do to their clients.

Lawsuits can arise if a customer believes your business misrepresented its services, failed to provide important information, or simply performed poorly.

Examples of when your professional liability (E&O) insurance will help your business:

  • Coverage for any mistakes in your professional Pilates instruction
  • Liability for medical costs as a result of your professional mistake

Insurance underwriters review your particular industry and determine the level of risk involved. Your Pilates professional liability coverage costs, and even the policy terms, may be slightly different than a CPA, electrician, or plumber. However, E&O coverage takes the same action for all professions. Once you file a claim, the insurance company will appoint an attorney to represent you in court as you defend the alleged error in your instruction.

To learn more about the Pilates liability insurance, please click the link.

 

Should You Buy General Liability or Professional Liability?

Many business owners do buy both types of liability insurance if they offer both professional services and do any of the following:

  • Go to a student’s home to provide instruction
  • Invite students to visit your home studio for one-on-one instruction
  • Use social media (like Instagram, Twitter, or Facebook) to advertise your services
  • Use traditional advertising via newspaper ads, radio commercials, direct mail flyers, telemarketing calls

BizInsure can review with you the liability plan that works best for your business set-up.

Get Instant Quote for Your Pilate Business

 

What Are the Limits of Liability?

All insurance coverage has set limits of liability which is basically a cap to the amount of money the insurance carrier will cover for your claim(s). In the case of Pilates liability insurance, there are two different liability limits included in each policy: per occurrence and aggregate.

Per Occurrence Liability Limits: Each time you file a claim against your liability insurance this limit is the maximum amount the insurance company will pay for that particular claim. Any costs that exceed the liability limit will be your responsibility.

  • Professional Liability (E&O) Insurance per occurrence liability limits normally range from $500,000 to $2,000,000
  • General Liability Insurance per occurrence liability limits normally ranges from $300,000 to $1,000,000.

Aggregate Liability Limits: The total cost of all claims filed under your liability insurance is the aggregate. The aggregate liability limits for your policy is the maximum amount of money the insurance company will pay for all claims. Same as E&O insurance, you will be responsible for any costs that surpass the liability limit.

  • Professional Liability (E&O) Insurance per occurrence liability limits normally ranges from $500,000 to $2,000,000.
  • General Liability Insurance per occurrence liability limits normally ranges from $600,000 to $2,000,000.

Does Pilates Liability Insurance Have a Deductible?

Professional (E&O) Liability Insurance usually has a deductible of $1,000. General Liability coverage normally does not have a deductible amount. You will want to clarify this with your insurance specialist to know how your particular plan is written.

The deductible on your Pilates E&O insurance is the same as your health or auto insurance. If you have a claim that is going to be paid out, you will need to first meet your designated deductible amount.

 

How Much Does Pilates Liability Insurance Cost?

A typical policy can run between $500 and $1,000 for 12 months of coverage for a small company with only the owner as an employee. We can tell you that the minimal costs of liability insurance are well worth the investment. Plus, you’ve already invested a lot of money and time into starting and running your Pilates business. Why not spend the extra few dollars to protect your dream?

American small business owners like yourself collectively pay $20,000,000 per year in civil liability cases. The possibility of you also being caught up in a civil lawsuit by a disgruntled student is very real. Liability insurance is meant to be your first defense in fighting such a claim, as well as the resource you will need to settle a liability claim. If you do not have a Pilates liability insurance plan in place, then you will have to rely on revenue from your business. Or, even worse, you’ll have to dip into your personal savings or credit cards to cover costs. Why do that?

You can easily purchase a general liability insurance plan and/or a professional (E&O) liability insurance plan for less than what you pay for coffee each morning. Look at buying liability insurance the same as you did buy Pilates equipment or paying for certification programs. Insurance for your business is an investment in your continued success. Why wait another day to buy liability coverage and further expose yourself to additional risks? What if tomorrow is the day one of your students gets hurt during your instruction? Without liability insurance, what will you do?

Get Instant Quote for Your Pilate Business

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
js_loader

Popular Searches

Google Rating
4.5
Based on 74 reviews
×
js_loader