As a Pilates instructor, you work closely with the clients you serve to help them find their limitations and safely surpass them. But no matter how cautious you may be, if your client fails to fully communicate a health condition or limitation, he could suffer a serious injury due to a Pilates routine. Likewise, if your Pilates instruction depends on the use of Pilates equipment, you run a constant risk of product malfunction, which could result in injury to you or your client. If you are sued over a client's Pilates-related injury or fatality, you could lose assets, savings, future earnings, and your business. Even if you are not at fault, the cost of your legal defense alone can be devastating. You can protect your financial well being with Pilates insurance.
With no end to industry growth in sight, this is an ideal time to start a Pilates practice. If you started your business recently, now is the best time to purchase Pilates insurance.
If you use Pilates equipment such as a trapeze table, Wunda Chair, or The Reformer, your risks of client injury and litigation increase. All it takes is a second of inattention, a loose spring, or an improperly secured safety chain for an accident to happen.
Clients can sustain broken toes, facial injuries, and back injuries as a result of equipment failure. Sometimes the problem is a simple case of too much too soon, and the instructor fails to recognize the client's limitations. Other times, the product malfunctions despite your best efforts. No matter who is at fault, if you are the supervising instructor when an accident occurs, you could be financially responsible.
A liability insurance package for equipment-based Pilates instructors may include the following coverage:
May instructors fail to recognize the risk of litigation until it is too late, so be sure to purchase enough liability coverage for your practice, before an incident occurs.
Even if you take a purist approach to Pilates with no more equipment than a mat on the floor, you are not immune to litigation. In spite of your best efforts to stay on top of your clients' medical conditions and limitations, some of your clientele may not be completely honest about health. For instance, a regular female client might fail to report that she is now pregnant, or a male client may be reluctant to admit he suffers from a heart problem.
No matter how careful you may be in your dealings with the people you teach, you could still face a lawsuit if a client suffers an injury as a result of Pilates practice.
These are the types of Pilates insurance that can protect you financially if an accident occurs:
A member agent can discuss the types of clients you serve and the products you use so that you can be sure you have the right coverage for your practice. Most mat-based Pilates insurance policies are portable, meaning that they can protect you whether you teach in your home, at a spa or gym, or in the client's home or workplace.
If you receive a paycheck from a gym, spa, or other business for your Pilates instruction services, you may have some degree of liability coverage through your employer. However, it is very important to make sure that the coverage protects your personal finances, and not just the business that employs you. If you are sued, and your employer's coverage is insufficient to protect you, you could lose your savings, assets, and future earnings.
You can usually find Pilates instructor insurance for less than $200 per year, so it often pays to carry your own coverage, even if your employer provides some level of liability insurance through a corporate policy.
The cost of Pilates insurance is low, often only $150 per year. When you compare that to the millions you could lose in a major lawsuit, a Pilates insurance policy is usually a wise investment.
Of course, there are a few people you can consult with before you purchase your coverage to make sure this insurance is going to be beneficial for you:
When you've done the proper research, you can get peace of mind that your policy is the best it can be for the wellbeing of your organization and your bottom line.