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What is Pilates instructor insurance?
Pilates insurance (the different types of cover available to Pilates teachers) helps protect against the cost of negligence claims, third-party injuries, damaged equipment, and some other common risks.
Helping clients improve their strength and flexibility is what you do best. But accidents and injuries could stretch your budget and even in extreme cases destroy your business. Pilates teacher insurance can help your studio stay strong by managing the cost of claims, lawsuits and other unplanned bills.

Why do Pilates instructors need insurance?
Pilates teachers may need business insurance to meet contract terms and cover unexpected bills.
Work as a studio contractor or subcontractor.
Lease studio space.
Replace damaged equipment.
Take time off during an injury or illness.
Pay legal costs if you face a liability claim.
What types of insurance do Pilates instructors need?
We offer a range of policies designed to cover your business, studio, and equipment. Build an insurance package that suits your needs and buy in minutes.
Popular cover for pilates instructors:
Pilates instructors may also consider:
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How much does Pilates insurance cost?
The average cost of business insurance for Pilates instructors is $46 per month* with BizCover.
However, the price you pay will depend on several factors, such as where you work and the size of your business.

How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Generally, Pilates instructor insurance in Australia is not mandatory to open a business. However, there may be times when certain types of cover are required to work. For example, Public Liability insurance may be required to lease commercial studio space. It may also be required if you work as a contractor or subcontractor in a gym or studio.
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