Pilates teacher insurance

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Public liability for pilates teachers UK
Public liability for pilates teachers UK
Public liability for pilates teachers UK
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What is insurance for Pilates teachers?

Pilates instructor insurance is not a one-size-fits-all solution; rather, it encompasses a combination of essential products tailored to meet the specific requirements of your Pilates studio insurance

Given the interactive nature of working with clients, public liability insurance typically takes precedence as the first choice for many pilates teachers. However, as instructors often provide guidance and advice, professional indemnity coverage becomes equally crucial.

How much does pilates teacher insurance cost?

Pilates teacher insurance starts at £7.67 per month, and the cost increases based on the required insurance limits, business size, and claims history.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do pilates teachers need liability insurance?

As a Pilates instructor, your role involves guiding and instructing students through Pilates practices, leading them to follow your every move and direction. Additionally, you often have physical contact with both students and third-party property, whether it's the venue where you teach or your students' homes. 

Required by venues

Venues where you teach typically require you to have public liability insurance before allowing you to hire their space.

Causing an injury

Pilates, being a physically demanding activity, poses the risk of students attributing their injuries to your instruction. 

Accusations of failing duty of care

Accusations of failing in your duty of care are possible scenarios, especially if you momentarily step out of a class or divert your attention, resulting in harm to a student.

Claims of overstepping the boundaries

Over time, as you build relationships with students, increased involvement in their lives may lead to misinterpretations and claims of overstepping boundaries.

Public liability insurance for Pilates teachers

Public liability insurance shields pilates instructors from claims of injuries or property damage.

Public liability provides legal defence if claims are made against you and pay compensation if due.

What does pilates teacher public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands. 

If someone makes a claim against you for causing an accidental injury or property damage or loss, public liability will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • The floor during a session becomes slippery and causes an injury. A student could be asking you to cover their medical bills.
  • The pilates equipment used in the class malfunctions and compensation is being asked of you because you were responsible for the client’s safety.

Pilates teacher professional indemnity insurance

Professional indemnity insurance is designed to deal with any claims arising from your profession. This could be causing an injury resulting from incorrect advice or failing your duty of care.

If you are given a notice of a legal claim against you, your policy will trigger access to legal defence and take care of the situation. If you are found liable for any damages, the policy will cover the amount up to the policy limit.

What does professional indemnity insurance for pilates teachers cover?

Professional indemnity insurance protects pilates instructors from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • You make a mistake during a pilates class which leads to the injury of a student
  • You’re accused of negligence or misconduct by one of your students
  • Your student injures themselves while using skills they learned from you

What professional indemnity limit do pilates teachers need?

The professional indemnity limit you need will reflect your particular business activities. When choosing a limit, consider several factors: how often you teach, how many students are in your pilates class, and possible financial impacts if your advice goes wrong.

Switching your professional indemnity insurance

In the UK, most professional indemnity insurance works on a “claims-made basis”; this essentially means two things:

  1. You must have an active policy at the time a claim is made, and
  2. The policy period on your active policy must cover the time when the work was performed

You can no longer make claims against the previous policy when you cancel or switch your professional indemnity policy.

If you change provider, ensure your past work is covered, called “retroactive cover”.

Should I keep professional indemnity insurance if I retire as a pilates instructor?

It’s wise to keep your professional indemnity if you retire from pilates teaching. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of coaching you did and the likelihood that a client might bring a claim against you. 

With Suited, you don’t have to pay full price if you no longer work as a pilates teacher. You can hibernate your policy, allowing you to stay insured for past work at a much-reduced cost. You can leave your policy in hibernation as long as you like.

Other insurance pilates instructors might need

Other insurance needed will depend on your circumstances: Could you afford a legal dispute? What would you do if a client doesn’t want to pay? Do you rely on expensive electronic equipment? How would you deal with a tax issue? Do you have employees or subcontractors?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect you against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist you in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You wish to take a business partner or supplier over a breach of contract
  • You required guidance on compliance or regulatory issues for your business.

Income protection for pilates teachers

You use your body and voice to earn a living. If a serious illness stops you, your ability to cover your usual outgoing may become difficult.

Income protection insurance can be a welcome safety net during those times and provide a substitute financial help for up to a year or until you’re again to work.

Personal accident insurance for pilates teachers

pilates is a calm physical exercise; luckily, severe accidents are rare. However, if you worry about this aspect, personal accident cover is a small peace of mind that is very inexpensive.

It provides a quick cash injection if you suffer a severe accident and hopefully helps you overcome the worst while considering your future options.

Shopping for pilates teacher liability insurance

Whether or not you decide to use Suited pilates teacher insurance to protect your business, it’s worth keeping the following in mind:

Price isn’t everything

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to get in contact with your insurance provider. At Suited, we offer several options and answer quickly.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
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FAQs

Common questions

Do you need insurance to be a pilates teacher?

It’s not a legal requirement but you may be unpleasantly surprised how much it can costs in legal fees to protect yourself against an accusation by an unhappy client or a venue.

How can I get pilates teacher insurance quote?

With Suited it you simply hit the Get my price button and in a few seconds you’ll know your monthly price.

Does Suited offer pilates student teacher insurance?

Suited insures pilates students as well. Simply select “pilates teacher/instructor” from the professions list and follow the steps.

What qualifications do I need to get pilates instructor insurance?

Suited does not insist on any particular course or programme, but your qualifications should be accredited by a recognised body and be appropriate for your level of teaching.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Pilates teacher insurance
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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Monday—Friday, 8:30am to 5:30pm

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No problem, Suited uses a simple subscription model making it easy to walk away.

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If you call to cancel within the first 2 weeks we’ll give you a full refund.

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* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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