We compared six pilates insurance providers on price and what they cover. Some cover your whole studio, and some only cover one teacher.
Pilates studio insurance protects your studio from injury claims: general liability when a client is hurt in your space, and professional liability when a client says your instruction caused an injury.
Gym Insurance by PushPress includes general and professional liability on one pilates studio policy starting at $56 a month, and most pilates studios we insure pay $1,100 to $2,300 a year. Your reformers, towers and chairs can be covered too, through the Gym BOP.
We're one of the six providers on this page. Use the comparison to check the quotes you already have.
We're gym owners. Pilates studio owners got their insurance from legacy carriers that didn't know what a reformer studio was, or from specialty programs that priced a small reformer studio like a big chain. We needed insurance that priced our studios like studios, and nobody was selling it, so we built it.
PushPress has been in fitness for over 20 years and has data from thousands of gyms. Our policies are written by A-rated carriers and reinsured, and there are no broker fees.
| Provider | Best for | Typical annual cost* | Watch out for |
|---|---|---|---|
| Gym Insurance by PushPress Best overall | Most pilates studios, best overall value | $1,100 to $2,300 | Not built for a solo instructor with no studio. If you teach on your own with no employees or lease, an instructor policy is cheaper. |
| The Hartford | Studios that want higher limits, umbrella coverage, or one carrier for all their business insurance | $2,500 to $4,000 | Professional liability is an add-on to the business owner's policy, so ask for it if you teach. |
| Next Insurance | Solo pilates instructors who want a fast, cheap policy and a quick certificate | From $11/mo (instructor) | The $11 headline is individual instructor coverage. A studio with staff and a lease moves into higher, unpublished tiers. |
| Philadelphia Insurance (PHLY) | Established studios that want high limits and strong abuse coverage, usually placed through an agent | $1,200 to $2,500 | Needs a signed application and three years of loss runs to quote. A newer studio can send a no-loss letter instead. |
| Mindbody Insurance | Studios already committed to Mindbody's software | $2,000 to $6,000+ | Requires a paid Mindbody software subscription, which starts around $159/mo, on top of the coverage. |
| Insure Fitness Group | Solo pilates teachers who want apparatus instruction covered, scoped to the instructor | $189/yr (instructor) | Instructor-only. It doesn't scale to a studio with employees, a lease, and full operations. |
*Prices accurate as of October 2026. Coverage and pricing can change. Verify directly with the provider before making a decision.
What it covers: Each studio policy includes general liability and professional liability. Add the Gym BOP and your reformers, towers and studio contents are covered as business personal property. Workers' compensation is quoted as a separate policy. Aerial, silks, and pole classes are covered when you choose the aerial yoga gym type, and adding a sauna or cold plunge stays on the same policy. Online and livestream classes are covered as normal operations.
Why it's cheaper: Gym Insurance by PushPress charges no broker fees, because studios buy direct from us.
What it costs: Most pilates studios pay about $130 a month, with coverage starting at $56 a month. You can get a quote in about five minutes, with your certificate of insurance available instantly.
Watch out for: If you're a solo instructor with no studio, employees, or lease, an instructor-only policy will be cheaper. We're built for the studio.
The Hartford has insured businesses since 1810 and writes pilates studios on a business owner's policy, with property for your reformers and equipment and options for professional liability and workers' comp. It offers higher liability limits, with umbrella coverage on top.
What to know: Policies run about $2,500 to $4,000 a year. You can get a quote online in a few minutes or through an agent, and certificates are usually instant. A good fit for a studio that wants higher limits or keeps all its business insurance with one carrier.
Next Insurance has a strong digital experience and is the source of the "$11 a month" headline you see for pilates. That rate is for an individual instructor.
What to know: A studio with employees, a lease, and a floor of reformers moves into higher tiers without published rates. Next is a good fit for a solo instructor who needs a quick quote and an instant certificate; Next also writes studios, but it doesn't publish studio rates.
PHLY is a respected A++ rated specialty carrier with a real studio program, not just instructor coverage. Its pilates studio program carries $1M per occurrence / $3M aggregate, with $2M / $4M and higher available, strong sexual abuse liability, child care coverage, and business income.
What to know: It's a heavier, underwritten product, usually placed through an agent and requiring a signed application plus three years of loss runs before a quote. Pricing runs roughly $1,200 to $2,500 a year. That structure suits an established studio that wants high limits; a newer studio can send a no-loss letter and the owner's resume instead. A strong option if those are your priorities.
Mindbody, the studio software company, offers insurance to its customers.
What to know: The catch is eligibility. You have to be a paying Mindbody software subscriber to be insured through them, and their software starts around $159 a month, more than many studios pay for the insurance itself. Your coverage is tied to a software decision, so if you don't use Mindbody, the coverage isn't available to you. For a studio already committed to Mindbody it can be convenient; for everyone else it's a non-starter.
Insure Fitness Group offers an instructor-focused program at $189 a year ($65 for students) that covers liability for apparatus instruction, scoped to the instructor. The instructor can name a studio as an additional insured by calling IFG.
What to know: This is the right answer for a solo teacher who wants affordable, portable coverage. It is not a full studio operations policy, so a studio with staff, a lease, and members on the floor needs a studio policy instead.
General liability pays when a client, guest or visitor is hurt in your studio and holds you responsible, like a client who slips in the changing room or trips over a reformer's footbar. Landlords usually ask for $1M per occurrence and $2M aggregate, and Gym Insurance by PushPress carries $1M and $3M.
Learn more →Professional liability covers a claim that your teaching caused an injury, like a client who strains a shoulder after a hands-on alignment correction or a spring setting you chose.
Learn more →Sexual abuse and molestation coverage protects the studio when someone claims abuse happened during a class or a private session. Gym Insurance by PushPress includes abuse and molestation coverage on the studio policy.
Property coverage pays to repair or replace your reformers, towers, chairs and studio contents after a fire, a burst pipe or a break-in. Gym Insurance by PushPress adds property through the Gym BOP and pays replacement cost, meaning the price of buying the equipment new.
Learn more →Workers' comp covers an employee's medical bills and lost wages after an injury at work. Most states require it once you have W-2 employees, and whether 1099 instructors need it is a state-by-state question that also turns on the work they do for you. We quote workers' comp for studios as a separate policy.
Learn more →The cards above are the summary. This is how each option stacks up on the things that actually decide it for a studio.
| Attribute | Gym Insurance by PushPress | The Hartford | Next Insurance | Philadelphia Insurance (PHLY) | Mindbody Insurance | Insure Fitness Group |
|---|---|---|---|---|---|---|
| Built for a studio, not just the instructor | ✓ | ✓ | ✓ studio policy available | ✓ | ✓ | ✗ instructor only |
| Instant online quote | ✓ under 5 min | ✓ | ✓ | ✗ | Subscribers only | ✓ |
| Quote without loss runs | ✓ | Varies | ✓ | ✗ loss runs or a no-loss letter | ✓ | ✓ |
| No software subscription required | ✓ | ✓ | ✓ | ✓ | ✗ Mindbody plan required | ✓ |
| Pricing model | Quote-based, from $56/mo | Quote-based | From $11/mo (instructor) | Quote-based | Requires Mindbody plan (from ~$159/mo) | Flat $189/yr (instructor) |
| Instant certificate of insurance | ✓ | Yes, in most cases | ✓ | Varies | ✓ | ✓ |
Pilates studio insurance costs about $130 a month for most studios we insure, and coverage starts at $56 a month. Your exact rate depends on your studio size, location, the formats you run, and your coverage limits.
A pilates studio needs general liability for injuries in the space and professional liability for claims about instruction, and most landlords ask for proof of general liability before you sign a lease. Property coverage for your reformers and equipment comes with the Gym BOP. Workers' comp is a separate policy that most states require once you have W-2 employees.
Pilates instructor insurance covers the teacher's liability and follows the person. Pilates studio insurance covers the business: general liability, professional liability, your employees, and your studio's operations. A solo teacher can use an instructor policy; a studio with staff and a lease needs a studio policy.
Not automatically. Your studio's general liability covers instructors on payroll, not contractors, and you can add a contract instructor as an additional insured for $25.50 a year each. Professional liability is different: it does cover claims about what a contract instructor taught, as long as you have a signed contract-worker agreement with them. An instructor who teaches at more than one studio is usually better off carrying their own policy.
Yes, Gym Insurance by PushPress covers your reformers once you add property coverage through the Gym BOP. Reformers, towers, chairs, and barrels are then covered as business personal property at replacement value. Check the equipment limit on any policy, since some instructor and generic business policies cover the person but not the studio-owned apparatus.
Yes. Livestream and on-demand pilates classes are covered as part of your studio's normal operations, so teaching members online doesn't need a separate policy or a special add-on.
Yes. Aerial, silks, and pole classes are covered when you choose the aerial yoga gym type at quote. Choosing that business type writes those classes into your studio policy, so you don't need a separate carrier for them.
Yes. General liability covers a trip or fall in your space; professional liability covers a claim that your pilates instruction or programming caused an injury. A studio policy bundles both.
In part. The training sessions themselves are covered like any class: if a trainee is hurt during a certification session, that falls under your general liability. What the policy does not cover is the professional side of the instruction itself, a claim that what you taught was deficient or led to harm later, such as a graduate injuring a client using a technique from your program. So your sessions and studio operations are covered; the curriculum's downstream exposure is not. If certification is a meaningful part of your business, tell us at quote time.
Usually, yes. Commercial landlords typically require proof of general liability before you sign, often naming the landlord as an additional insured on your certificate of insurance. With Gym Insurance by PushPress the certificate is available the moment your policy is active, so the lease isn't waiting on paperwork.
A Gym Insurance by PushPress quote takes about five minutes, and the certificate of insurance is available as soon as the policy is active. That matters when a landlord needs proof before you sign or open.
Yes, The Hartford writes pilates studios and quotes them online or through an agent. Its studio policy is a good fit if you want higher limits or umbrella coverage. Most pilates studios we insure pay $1,100 to $2,300 a year.
Most pilates studios get a quote in about five minutes, and your certificate of insurance is available immediately after purchase.
Questions? We actually answer them. Contact us here.
Pricing reflects typical 2026 annual premiums across the studios we insure. Your actual rate depends on studio size, location, formats, and coverage selections.
Updated November 2, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.