A client is injured mid-session
A shoulder tweaks in the straps, a footbar slips, someone rolls an ankle stepping off. Public liability responds to claims that you were legally responsible.
Insurance for pilates & reformer studiosCover built around
Cover built around
your reformers.
Reformers are a serious investment and every client puts their body in your hands. GymCover arranges one flexible business pack for Australian pilates studios: public liability, your apparatus and fit-out, and the income you’d lose if you had to close. Priced live by A-rated insurers.
Real price in about 3 minutesNo lock-in contractsPDS before you pay
Up to $20Mpublic liability cover
~3 minto a real, bindable price
A-ratedAustralian insurers only
1-to-1broker support included
Made for your studioWhatever your studio
Whatever your studio
runs on, we cover it.
A reformer studio isn’t a gym and shouldn’t be insured like one. The risks live in the apparatus, the precision of the work, and the trust clients place in your instructors.
GymCover’s questions adapt to how you run the place (how many reformers, whether you teach clinical or rehab-focused sessions, and whether you bring in casual or contractor instructors) so you only pay for what fits.
- ✓Reformer pilates studios
- ✓Mat pilates studios
- ✓Clinical & rehab pilates
- ✓Barre & pilates hybrids
- ✓Sole & mobile instructors
- ✓Multi-location studios
Why it mattersThe risks a studio
The risks a studio
actually carries.
These are the moments cover is built for. A pilates studio’s exposures look different to a 24/7 gym’s, so the pack is shaped around them.
A reformer is damaged or stolen
Springs, carriages and frames are costly to repair or replace. Property cover protects your apparatus against fire, storm, water and theft.
Your studio has to close
A burst pipe or fire keeps the doors shut for weeks. Business interruption covers the income you would have earned while you recover.
Equipment breaks down
A reformer, sound system or the studio’s climate control mechanically or electrically fails. Breakdown cover repairs or replaces it.
What’s coveredOne pack. Switch on
One pack. Switch on
only what you need.
Eleven sections sit inside the GymCover pack. These are the ones pilates and reformer studios most commonly switch on. You choose the sections; we size the limits and excess around your studio.
Public & products liability
A client is injured in a session or on a reformer, or you’re held responsible for damage to someone else’s property.
Limits up to $20M
Property & contents
Your reformers, mats, props, fit-out and stock, protected against fire, storm, water and accidental damage.
Insured to value
Equipment breakdown
Reformers, sound systems, heating and electronics that stop working through mechanical or electrical failure.
Repair or replace
Business interruption
The income you’d lose while an insured event keeps your studio closed and classes off the timetable.
Lost income covered
Theft & money
Break-ins and stolen contents, plus cash on site and takings on their way to the bank.
Contents & takings
Portable equipment
Gear that travels for mobile or outdoor sessions: small props, laptops, speakers and mobile kit.
Cover away from site
Eleven sections in one pack. Glass, machinery, tax audit, transit and general property are there too if your studio calls for them.
Common questions
Good to know.
General information about cover for pilates & reformer studios. For advice on your situation, a licensed broker is a message away.
Ask us anythingWhat insurance does a reformer pilates studio need in Australia?
Most studios start with public liability (for client injury and third-party property damage) plus property cover for their reformers, fit-out and contents. Many also add business interruption for lost income, equipment breakdown, and theft & money. GymCover bundles these into one business pack so you can switch on only the sections your studio needs.
Does public liability cover a client injured on a reformer?
Public liability is designed to respond to claims where you’re found legally responsible for a client’s injury, for example during a reformer session. Cover depends on the policy wording and the circumstances of the claim, which is why the PDS is shown before you pay and a broker is available to talk it through.
Are my reformers and equipment covered if they’re damaged or stolen?
Yes. Property and contents cover protects your reformers, mats, props and fit-out against insured events like fire, storm, water damage and theft, and equipment breakdown covers mechanical or electrical failure. You insure them to their replacement value, which you set during the quote.
Can I get covered as a sole or mobile pilates instructor?
Yes. The quote adapts to smaller operations, including sole instructors and mobile teachers who work across venues. Portable equipment cover can extend to the gear you take with you. Start a quote and the questions shape themselves around how you work.
Does it cover casual or contractor instructors?
The pack accounts for the instructors who teach at your studio, including casual and visiting teachers, when you tell us about them during the quote. Getting this right up front keeps your cover accurate, so it’s one of the questions we ask.
How much does pilates studio insurance cost?
It depends on your turnover, how many reformers and locations you run, the sections you switch on and the limits you choose. Rather than quote a generic figure, GymCover prices your studio live with the insurer, usually in about three minutes, and shows the premium broken down to the cent before you decide.
Ready when you arePrice your studio before
Price your studio before
your next class starts.
About three minutes of questions. No documents, no obligation, and a broker on the other end if you’d rather talk it through.