Built for pilates studios. Priced like it. From $24/mo for the Gym Liability bundle, with property for your reformers and equipment priced to what you own.
Pilates studio insurance is a single policy that covers the studio as a business, the instructors you employ, the clients in every class, and the reformers and equipment in your space. Coverage starts at $24 a month and bundles general liability and professional liability, with property for your equipment and workers' compensation available as add-ons.
A studio policy should know the difference between a few clients on reformers and a generic small business. Ours does.
Pilates insurance is mostly sold two ways, and neither fits an independent studio. You get quoted $2,500 to $4,000 a year for a generic small-business policy that prices you against the wrong reference class. Or you find a digital instructor policy at $11 a month that covers you personally but won't touch the studio's reformers, employees, or lease.
Here's the part nobody tells independent owners. The big pilates brands, Club Pilates, Solidcore, BODYBAR, Balanced Body, buy insurance at franchise scale and pay a fraction of what a single studio gets quoted. That pricing was never available to an independent studio. We built our program at that same scale and opened it to independents, so one studio gets the insurance economics of a national brand. That's the whole reason this exists.
See how we stack up against the other options in our pilates studio insurance comparison.
One policy covers the studio as the named insured, the instructors you employ, the clients in every class, and the equipment on your floor.
Covers third-party injuries and property damage in your space. A client trips, a foot strap breaks, a visitor is hurt in the lobby. Standard limits are $1 million per occurrence and $3 million aggregate, the level most landlords ask for.
Learn more →Covers claims that your instruction or programming caused an injury. For a pilates studio this matters daily, instructors cue form and correct alignment hands-on.
Learn more →Your reformers, towers, chairs, and barrels covered as business personal property at 100% of replacement cost. No depreciation. You bring the values, we build the limit around them.
Learn more →Essential for close, hands-on instruction and kids classes. Built into the studio policy, not a fine-print add-on.
Required in most states once you have W-2 employees. Covers their medical bills and lost wages if they are hurt on the job. Add it to your studio policy in one step.
Learn more →A studio runs on monthly memberships and class packages. If a fire or burst pipe closes you for weeks, that income stops but rent and payroll don't. Business income covers the gap while you rebuild, bundled into the studio policy alongside your liability and property.
Most owners start with an instructor policy from a digital carrier or a certification's affiliate channel. That works until you sign a lease, hire an instructor, or put reformers on the floor.
| Coverage area | Instructor policy | Studio policy |
|---|---|---|
| The instructor who buys it | ✓ | ✓ |
| Other instructors you employ | ✗ | ✓ |
| The studio as a business entity | ✗ | ✓ |
| Reformers and studio equipment | Limited or none | ✓ |
| Leased space | ✗ | ✓ |
| Aerial, sauna, and cold plunge | Rarely | ✓ |
| Workers' comp for employees | ✗ | Available as add-on |
| Sexual abuse and molestation | Rarely | ✓ |
| Landlord named as additional insured | ✗ | ✓ |
Still teaching solo with no employees and no lease in your name? An instructor policy is the right answer. The moment you have a lease, staff, or reformers on the floor, you have outgrown it.
The base gym liability bundle is $24 a month: general liability and professional liability. Property for your reformers and equipment is priced to what you own.
Most pilates studios we insure land around $129 a month, with a typical all-in range of $1,000 to $2,300 a year. A generic small-business carrier writing the same studio usually quotes $2,500 to $4,000, because it prices the studio against the wrong reference class. We price it like a pilates studio.
More on what affects pricing: how much does gym insurance cost.
We're gym owners. We needed insurance that priced our studios like studios, not like the highest-risk format on the block. Nobody was selling it, so we built it. The big pilates brands buy insurance at franchise scale and pay a fraction of what a single studio gets quoted on its own. We built our program at that scale and opened it to independent studios, so one studio gets the insurance economics of a national brand.
PushPress has been in fitness for 20+ years, with data from thousands of gyms on the platform. We built the insurance product on top of that, directly with A-rated, reinsured carriers, so there's no broker in the middle and no extra fees on your premium. Run PushPress for your studio and the policy lives in the same account; don't, and you can still buy it on its own. The price is the same either way, and there's no software subscription required to be insured. Available in the 48 contiguous states.
Two things we don't do, said plainly. We cover what's inside your studio, not the building shell, so building owners need a broker to add structure coverage. And clinical physical therapy or sports rehab run under the same business entity needs its own policy; a separate entity is the workaround.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.