Professional Liability Insurance
Tailored Protection for the Pilates Community
At the CPMS, we believe that professional excellence and professional protection go hand-in-hand. To ensure our members are supported at every stage of their career, we have partnered with Marsh to offer comprehensive insurance policies underwritten by Trisura.
These policies are specifically designed to meet the unique needs of Pilates professionals, providing peace of mind so you can focus on what you do best: moving your community.
Coverage for Every Designation
We have developed a program for specialized individual policies that align perfectly with your CPMS registration status:
Apprentice Insurance
Protection While You Learn
The journey to becoming a certified instructor involves significant hands-on experience. Our Apprentice Insurance through Marsh & Trisura is specifically designed to protect you during this transitional phase. Whether you are teaching Mat classes at multiple locations as an independent contractor or completing your required student teaching hours within a teacher training program, this policy ensures you are covered from day one.
Why Apprentices Need Coverage:
Mobile Instruction: Covers you as you travel between different studios or community spaces to gain experience.
Student Teaching: Protects you while you fulfill the practical hours required for your Mat, Reformer, or Comprehensive certification.
Professional Foundation: Allows you to begin building your professional reputation with the security of a national liability policy.
Pro Tip:
Many studios require proof of insurance before allowing an apprentice to teach on their floor. Securing your policy early ensures you never miss a teaching opportunity.
Instructor Insurance
Protection While You Practice
As a certified professional, your career is built on the movement and well-being of others. Our Instructor Insurance through Marsh & Trisura is designed to provide the robust protection you need as you grow your career. Whether you are teaching at a flagship studio, working as an independent contractor at multiple locations, or building your own private client base, this policy ensures your professional integrity and assets are protected.
Why Instructors Need Coverage:
Contractual Independence: Provides the necessary proof of insurance required by most studios to work as an independent contractor.
Multi-Apparatus Coverage: Specifically tailored to protect you while teaching on the Mat, Reformer, and the full suite of Pilates equipment.
Professional Credibility: Demonstrates to your clients and peers that you are a verified professional who adheres to the national standards of the CPMS.
Pro Tip:
As your career evolves, your insurance should too. Moving from Apprentice to Instructor coverage ensures there are no gaps in your liability as you transition into a fully certified professional role.
Practitioner Insurance
Protection for Your Professional Legacy
As a seasoned expert, your career is defined by years of mastery and a deep commitment to the Pilates method. Our Practitioner Insurance through Marsh & Trisura provides the high-level security required for an established professional. Whether you are leading a multidisciplinary clinic, mentoring the next generation of teachers, or managing a diverse portfolio of private clients, this policy safeguards your reputation and ensures your long-term professional stability.
Why Practitioners Need Coverage:
Advanced Liability Limits: Provides the sophisticated coverage necessary for those with extensive experience and broader professional responsibilities.
Comprehensive Repertoire Protection: Fully covers your work across the entire spectrum of Pilates apparatus, ensuring that your high-level mastery is backed by high-level protection.
Industry Leadership: Reflects your status as a pillar of the Canadian Pilates community, providing peace of mind as you advocate for the method.
Pro Tip:
If your practice bridges the gap between fitness and clinical rehabilitation, ensure you discuss these additional coverage options with your broker to align your policy with your specific scope of practice.
Clinical Practice Integration
For practitioners who facilitate a Clinical Practice, we recognize that your work often involves specialized rehabilitative care and collaboration with other healthcare professionals.
Specialized Clinical Endorsements: Our partnership with Marsh allows for additional coverage options tailored to those integrating Pilates into clinical environments.
Enhanced Scope: Ensure your insurance reflects the complexity of your practice, providing specific protection for the rehabilitative nature of your work within a studio or clinical setting.
Educator Insurance
Pro Tip:
Being a Registered Educator means your influence is national. Ensure your insurance limits reflect the scale of your workshops and the diversity of the students you serve across the country.
Clinical & Specialized Integration
We recognize that as an Educator, your expertise often bridges the gap between traditional movement and clinical application.
Clinical Endorsements: Access additional coverage options specifically for the instruction of rehabilitative techniques and clinical safety protocols.
Scope of Instruction: Ensure your policy is as broad as your knowledge—covering everything from foundational fitness to advanced clinical applications.
Protection for Industry Leaders
As a CPMS Educator, you are the architect of the next generation of Pilates professionals. Our Educator Insurance through Marsh & Trisura is designed to cover the multifaceted nature of your role. Whether you are leading a teacher training program, hosting specialized workshops, or managing a high-level practice, this policy provides the professional indemnity required to teach and mentor with confidence.
Why Educators Need Comprehensive Coverage:
Curriculum Liability: Specialized protection for those delivering a Comprehensive Curriculum, ensuring your instruction across the full apparatus suite is fully backed.
Fitness-Based Instruction: Tailored coverage for Educators specializing in Pilates Fitness and modified Reformer approaches, acknowledging the high-energy, high-volume nature of these programs.
Clinical Repertoire: For Educators teaching a Clinical Repertoire, this policy addresses the complexities of rehabilitative movement, providing essential protection for those training others in a clinical or therapeutic context.
Professional Mentorship: Covers your liability while supervising apprentices and instructors, protecting your reputation as you guide their professional development.
Studio & Clinic Protection
Protecting Your Space and Staff
Managing a facility requires a different level of oversight and protection. Our partnership with Marsh & Trisura provides tailored solutions for Pilates studios and clinical environments, ensuring that your business, your assets, and your team are protected against the unexpected.
Core Policy Guidelines
Individual Policy per Location: To ensure comprehensive coverage, each physical location requires its own dedicated policy. Even if you own multiple studios or clinics under the same brand, each site must be insured independently to address specific location-based risks and lease requirements.
Employees vs. Independent Contractors: * Employees: Staff members hired on an employee basis are generally covered under the studio’s primary professional liability policy while working on-site.
Contractors: Every independent contractor operating within your facility must carry their own individual professional liability policy. The studio policy does not extend coverage to third-party contractors; verifying their active CPMS registration and insurance is a critical step in your risk management.
Choosing Your Liability Limit
Limit Options
Recommended For
$2 Million Liability
Independent studios with a consistent client base and standard lease agreements.
$5 Million Liability
Multi-apparatus clinics, studios hosting teacher trainings, or facilities in high-traffic commercial zones with strict insurance mandates.
Coverage Tiers & Educational Impacts
The cost of your premium is influenced by the scope of services provided at your facility. It is important to disclose your business model accurately to ensure your policy is valid:
Service-Based Studios: Policies for studios focused on providing classes and private sessions to the general community.
Teacher Training & Certification Hubs: If your studio facilitates a certification program or instructor curriculum, there is a recognized difference in cost and coverage. These policies include additional indemnity for the increased risk associated with teacher training and student supervision.
Clinical Environments: For clinics offering rehabilitative Pilates, policies are adjusted to cover the complexities of clinical repertoire and therapeutic outcomes.
Business Owner Note:
Maintaining a safe environment is the foundation of "building the community." Ensure your studio's National Registry profile is updated with your current insurance certificates for each location to maintain your standing with the CPMS.
Please have your location details and staff/contractor list ready for the application process.