Insurance might not be the most exciting part of your Pilates teaching journey, but it's absolutely crucial for protecting yourself and your business. Let's break down exactly what you need and why.
Essential Insurance Coverage
Public Liability Insurance
Minimum coverage: £5 million
Protects against: Client injuries, property damage
Cost: £150-£250 annually
Must-have for: All teaching environments
Professional Indemnity Insurance
Minimum coverage: £1 million
Protects against: Professional advice claims
Cost: Often bundled with PLI
Essential for: Programming and instruction
Personal Accident Insurance
Coverage: Income protection
Protects against: Teaching inability due to injury
Cost: £100-£200 annually
Important for: Self-employed teachers
Teaching Environment Requirements
Studio Teaching:
Check studio insurance requirements
Verify coverage limits
Understand overlapping policies
Confirm additional needs
Private Sessions:
Home visit coverage
Equipment coverage
Travel insurance considerations
Client home protection
Online Teaching:
Digital liability coverage
International client considerations
Technology failure protection
Virtual class specific coverage
Common Insurance Mistakes
Insufficient Coverage
Wrong policy type
Too low coverage limits
Missing essential elements
Outdated policies
Policy Gaps
Location restrictions
Teaching method limitations
Equipment exclusions
Student number limits
Administrative Errors
Late renewals
Incorrect declarations
Missing documentation
Inadequate record-keeping
Making the Right Choice
Consider:
Teaching locations
Class types offered
Equipment used
Client demographics
Red Flags to Watch For:
Unusually low premiums
Limited coverage scope
Unclear terms
Poor provider reputation
Beyond Basic Insurance
Additional Considerations:
Equipment insurance
Business interruption coverage
Cyber liability (for online teaching)
Personal health insurance
Taking Action
Essential Steps:
Assess your teaching plans
Research providers
Compare policies
Maintain documentation
The Reality Check
Getting properly insured involves:
Understanding complex terms
Comparing multiple providers
Regular policy reviews
Ongoing documentation
Need More Support?
Remember: Proper insurance isn't just a legal requirement—it's peace of mind that lets you focus on what matters: teaching great Pilates.
Want to ensure you're properly protected?
Our Business Manual covers everything you need to know about insurance and other essential business aspects.
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