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 Australian insurers.
Real price in about 3 minutesPay monthly or yearlyA broker on your side at claim time
Up to $20Mpublic liability cover
~3 minto a real, live price
Australianinsurers 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.
The quote asks about your studio type, turnover, staff and the contractor instructors you pay, and you switch on only the sections you want. Running clinical or rehab-focused sessions? Mention it to a broker before you buy, so the insurer knows what your studio does.
- ✓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 can help with the income lost after insured damage, for the indemnity period chosen.
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, limits and excess to suit your studio.
Public & products liability
A claim that you’re legally responsible for a client’s injury or 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.
You set the 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.
For the period you choose
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, employee fraud, tax audit and gear in transit are there too if your business calls for them.
Common questions
Good to know.
General information about cover for pilates and reformer studios. Questions about how a cover works? A broker is a message away.
Ask us anythingWhat insurance does a reformer pilates studio need in Australia?
Most studios start with public liability (for third-party injury and 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 set their replacement value during the quote, and it’s worth setting it in full: if the sum insured is below 80% of the true replacement cost, the insurer can reduce a claim in proportion. Theft cover generally needs forced entry, and flood is an option you switch on, not automatic.
Can I get covered as a sole or mobile pilates instructor?
Yes. You can switch on public liability on its own, and add portable equipment cover for the gear you take between venues. Sole instructors still give a business address during the quote. Note that a business pack does not include professional indemnity, the cover for advice and instruction you charge for.
Does it cover casual or contractor instructors?
The quote asks how many casual and part-time staff you have and what you pay contractors each year, which is how the insurer sizes the risk of the instructors who teach at your studio. Contractor instructors usually need their own liability and professional indemnity cover too, so it’s common for studios to ask to see it.
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.