MALPRACTICE INSURANCE FOR INDIVIDUAL PROFESSIONALS
Pilates Instructors across the country trust CPH Insurance for their professional liability insurance. A policy
with CPH provides peace of mind, so you can focus on providing your clients the highest quality service.
What is professional liability insurance for pilates instructors?
Professional liability insurance for pilates instructors is simply, protection. It’s an insurance policy written specifically to protect your career and assets by insuring the services you provide against a lawsuit. Protection for your career and livelihood is important to ensuring you are covered should an accident occur during a workout with one of your classes and/or clients.
Why take out your own pilates instructor insurance policy (even if you’re a W2)?
Pilates is a safe form of exercise. You know this. It focuses on the body’s core, providing flexibility and conditioning without incurring many of the injuries of other exercises; however, there is still a need for liability insurance. A potential lawsuit could result from an inexperienced client simply moving too quickly to advanced exercises, and getting hurt during the workout. In this scenario they may potentially sue you for their injuries.
Don’t let the overarching consideration of body mechanics throughout the pilates discipline create false security. Whether a client’s claim has merit or not, pilates instructor insurance for certified professionals will provide unlimited legal defense and pay the amount the court awards to your client up to the limits of your policy.
Why is having an individual policy of your own important? The studio you work out of may have their own insurance policy and it may provide coverage for W2 employees; however, if multiple employees are named in a lawsuit, the policy defense costs will be shared amongst everyone named including the facility, potentially leaving you without the necessary coverage to pay all of the associated attorney fees.
Secondly, if you are an independent contractor at a facility, you may not be included on their policy. While it’s common for W-2 employees to be named under the group policy, contractors should not assume coverage. Getting individual pilates instructor insurance is quick and easy.
Thirdly, a studio’s policy will not cover work you do on your own outside of the studio. Having an individual policy will cover private services you may provide outside of the gym.
- Occurrence form (lifetime) coverage
- A++ rated carrier for Financial Stability by A.M. Best Co.
- Portable coverage – follows your certification
- Optional General Liability (slip and fall) Coverage
- Premises Liability Coverage
- Personal Injury Liability Coverage
- Sexual Misconduct Expense Coverage
- Loss of Earnings Coverage
- HIPAA Proceedings Coverage
(Click here for full policy details)
Professional liability insurance for pilates instructors is extremely important due to the potential risk of injury that occurs when training the human body, and with the uncertainty of coverage under your studio’s insurance, it’s even more important to have your own individual policy. It’s peace of mind, it’s confidence, and a quote is just a few clicks away.
The CPH Way
What Makes Us Different
Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.