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.
If you are shopping generic small-business quotes, this is the same ground a business owners policy (BOP) covers, packaged and priced for a studio instead of a storefront. 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 buy an instructor policy online, the kind NEXT sells from $11 a month. It covers you personally and 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.
If you have instructors on payroll, most states require workers' compensation for on-the-job injuries. It isn't part of the liability policy, so you add it where your state requires it.
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.
Coverage is easier to judge against real situations than against a list of coverage names.
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 short version of your studio policy, including the parts we don't write. The full list is on <a href="/whats-not-covered">what's not covered</a>.
| Covered on the studio policy | |
|---|---|
| Third-party injury and property damage claims | ✓ |
| Claims about your instruction or programming | ✓ |
| Reformers, towers, chairs, barrels, and props | ✓ |
| Buildout and tenant improvements you paid for | ✓ |
| Abuse and molestation, at a sublimit | ✓ |
| Business income if you have to close | ✓ |
| Available, but its own policy | |
| Workers' compensation, if required in your state | + |
| Aerial, silks, and pole, by selecting the aerial fitness business type at quote | + |
| Not covered | |
| The building shell | ✗ |
| Clinical physical therapy or sports rehab under the same business entity | ✗ |
Your reformers, towers, chairs, and barrels are insured as business personal property at replacement cost. No depreciation, so a ten-year-old reformer is covered at what it costs to replace today, not what it is worth used.
You set the limit by telling us what you own. Bring a rough equipment list and the replacement values to the quote and we build the property limit around them. Studios usually undercount here, so count the small stuff too: props, springs, boxes, barres, the sound system, the front desk computer.
The buildout counts as well. If you put in a sprung floor, mirrors, cubbies, or a reformer bay, those tenant improvements are covered as your property even though the landlord owns the walls around them.
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 cover pilates studios in all 48 contiguous states. If you're in California, Texas, Florida, or New York, your state guide has the local rules.
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. The full list is on what's not covered.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.