a pilates instructor helping a group of people doing pilates on a reformer

PILATES INSURANCE | LIABILITY INSURANCE DESIGNED JUST FOR YOU

As a Pilates instructor, you emphasize the importance of balanced development in the body through core strength, flexibility, and awareness in order to support efficient, graceful movement. Many Pilates instructors use mats, exercise balls, or other equipment during their class to focus on different techniques.

The tools you need for your business are just as important. Reward your hard work with the best liability, property, and accident insurance options available online. With Alternative Balance, you get access to Pilates insurance and other tools to help you thrive in your work.

WHY GET PILATES INSURANCE?

Each class can have a different atmosphere and students, but the safety of the class and the protection of your business remains the same. Liability insurance can protect you from students who may move too quickly or push themselves too hard and slip and fall. It also may protect you if they make a claim and ask for financial reimbursement for injuries or loss of income they suffered as a result of your class.

WHAT COVERAGE IS INCLUDED IN MY PILATES INSTRUCTOR LIABILITY INSURANCE?

Your policy will include General & Professional Liability, Damage to Premises Rented, and much more. Visit our Coverage page for more specific information about the types of coverage included in our plan.

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

NOW INCLUDED WITH YOUR MEMBERSHIP!

EquipProtect
Every membership automatically includes $10,000 for movable business equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade to EquipProtect PLUS+ with limits up to $325,000 directly on your application to fully protect your business tools and equipment.

Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your gym—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

What if??

Wondering what kind of claims could be covered by Pilates insurance? We've got some examples to make it easy.

General Liability: Client trips over mat and falls and breaks ankle.
Professional Liability: You advised that a participant stretch a certain way, but they lose control over the stretching machine and sue you because they now have limited mobility.
Damage to Premises Rented: During a retreat, one of your students in class falls out of a pose and their elbow goes through the drywall while also knocking something over damaging the floor in your temporarily rented studio.

Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Pilates Instructor FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

I teach pilates in several locations, am I covered?

On January 2, 2026

Yes, you would be covered teaching pilates in several locations but must be abiding by all state and local laws regarding your service. A landlord, school or venue might require you to add them as an additional insured.

Can I add additional pilates instructors in my studio to my policy?

On January 2, 2026

Any independent contractors, employees, or volunteers are not covered under your policy. Please contact our broker for a review of your business to determine appropriate coverage!

NEXO Insurance

Email: info@nexofit.com

Phone #: 424-321-8955

View All FAQs

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use for 7 days or less. It does not apply to permanently leased locations.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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