Pilates Studio Insurance

Whether you work in person or online, do one service or multiple, travel to your clients or work in one place, your Alternative Balance membership with insurance coverage is designed to protect your professional services.

a pilates studio owner helping a client do pilates on a reformer

Peace of mind, so you can focus on your passion.

With Alternative Balance, you can relax and focus on providing your service. You won't find coverage like this anywhere else! Start with our general & professional liability insurance, which includes defense costs coverage that takes the financial burden off your shoulders if someone gets hurt and makes a claim against you or sues you.

Pilates is a challenging but rewarding workout that uses machines or other tools to increase flexibility, fitness and mind-body connection. Alternative Balance wants to help you protect your Pilates studio with high quality insurance and exclusive member tools like waivers, student intake forms and industry discounts.

WHAT COVERAGE IS INCLUDED IN MY PILATES STUDIO INSURANCE?

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!

Business Personal Property & Business Interruption ("BPP/BI")coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get accident covearge which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

What if??

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

Professional Liability: A client sues because they believe you gave them faulty advice and they want to recoup losses.
Damage to Premises Rented: While hosting a class at a corporate office, you damage the walls and floor with your media equipment, causing the business to hold you responsible for the damage to their building. This coverage would apply, since you were using the space with permission for less than 7 days.

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?

By Customer Service / On January 2, 2026 / Pilates Instructor, Trade / Service Specific FAQs

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?

By Customer Service / On January 2, 2026 / Pilates Instructor, Trade / Service Specific FAQs

If you employ other instructors you can add them to your policy. If you work with instructors that are independent contractors they must get their own individual policy.

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.

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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