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Insurance for Pilates Instructors

Instant pilates instructors insurance that combines professional indemnity, public liability and products liability

Starts from $280 per year

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What is covered under the pilates instructors insurance policy?

Pilates instructors insurance under the allied health professionals insurance covers covers pilates teachers, pilates studio owners and pilates students and is designed to include professional indemnity, public liability and products liability.

This insurance is suitable for pilates, reformer pilates and barre instructors working remotely, online, at home, in a studio as an instructor and owners of a pilates studio.

The policy can cover pilates, reformer pilates or barre instructors that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your pilates business against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your pilates services in the course of providing your services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your pilates practice in Australia for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your pilates business.

Defamation

Protects you and your pilates instructor service against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of the pilates instructors insurance policy

Contract Review

This entitles you to four contract reviews each year you have your pilates insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

While in a reformer pilates class, you’re working with a client who is in the standing position on the reformer machine. They lose balance and fall, injuring their shoulder and blame you for not instructing them properly.

Trips, Slips and Falls

While attending a class, a client slips in the recently cleaned bathroom that did not have a caution ‘wet floor’ sign.

Negligence

While assessing a new client you incorrectly place them under the low risk category. You recommend they join an advanced class and participate in exercises inappropriate for them that leads to aggravation of their existing long term back issues.

Error of Judgement

You are a reformer pilates instructor and forgot to explain the different colour springs to new attendees in class. They over exert themselves and have difficulty continuing with their work day and week, needing to take bed rest, impacting their business and blame you for not properly instructing them.

Bad Professional Advice

A client tries out a machine for which they are supposed to ensure the safety is on. There is no signage on or around the machine that states this warning and they injure themselves.

Third Party Damage

While rearranging your studio to accommodate new hire equipment your assistant mistakenly damages the music and lighting console in your rented studio.

exclusions

What is not covered (exclusions) under the pilates insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Personal Trainers
See More
Yoga Instructors
See More
Sports Trainers
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Dieticians
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Nutritionist
See More
Other 20+ fitness Professions
See More
how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as pilates instructor and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get pilates instructor to run your own business or work with a salon/spa, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click! 

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, pilates instructor insurance is the perfect solution for pilates teachers and pilates studio owners.
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FAQs

You asked, We answer

Why is pilates instructor insurance important?

Being a pilates instructor is not just a profession but a way of life. Pilates instructors train clients in pilates exercises and methods to strengthen their body, core and improve their posture, and even mobility. Pilates not only involves stretching and strengthening exercises but also helps clients recover from injuries, joint pains or accidents. 

‍Pilates instructors are involved in giving personalised advice and plans for clients to suit their individual needs. Sadly, this also means a higher risk element involved in the job and a higher scope for error. If your client holds you responsible, it could put everything you have worked for at risk.

Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you and your business against any advice you give to your clients - whether on pilates exercises, poses, alignment or recovery plans.
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You may still be required to get insurance even if you are working as a freelance pilates instructor, a part-time pilates trainer or even a pilates student. If you're unprotected, you could suffer a devastating financial blow.

As a pilates trainer, you’ll find gym or studios more eager to work with you if you already have pilates instructor insurance.

What can hairdressers and barbers be sued for?

While we hope it doesn't happen, pilates teachers can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered online today with tailored pilates instructor insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under pilates insurance?

1. Pilates instructor
2. Yoga teacher 
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078