Pole fitness comes with its own challenges, especially when we talk about insurance coverage, tailored insurance solutions, the whole pole dance studio insurance and separately: insurance for pole fitness instructors.
In this article, we will take a look at which companies offer something really good for the pole industry in 2025, and is it worth it after all?
Key Takeaways
- Apart from pole dance instructor insurance (general liability insurance), which seems obvious, consider suggesting your pole fitness customers, buying all risks insurance or have medical expenses insured.
- What is comprehensive coverage a pole studio needs? If you run your own studio, you know the risks - injuries, equipment damage, or legal claims. The right insurance cover is essential. Be sure your policy includes public liability against accidents on your premises, and check the policy period to avoid gaps.
- Your atypical fitness business may require to pay more sometimes, yet it gives you peace of mind in terms of legal claims, financial losses, liability insurance for pole fitness instructors and other areas.
- Stay protected and save time with dedicated pole studio software - track insurance, manage waivers, and guide clients to coverage, all in one place.
Pole Dance Studio Insurance List
Here’s a list of useful insurance types for a pole studio, covering both legal protection and practical business needs.
1. General Liability Insurance
Against third-party bodily injury or property damage (e.g., a client slips and falls).
2. Professional Liability Insurance (Errors & Omissions)
Covers claims related to instruction, such as injuries from alleged improper guidance or negligence.
3. Inland Marine Insurance
To have insured (against theft) any specialized equipment and movable property used for your service – especially when it’s transported or used off-site. Read more about buying or leasing gym equipment.
4. Workers’ Compensation Insurance
Required if you have employees or contractors. Covers medical costs and lost wages for job-related injuries.
5. Commercial Renters Insurance
If you’re leasing the studio space, this protects your equipment and may be required by the landlord. Read more: How much does it cost to rent a gym?
6. Participant Accident Insurance
Optional but valuable – helps cover medical costs if a student gets injured during class.
7. Business Interruption Insurance
Helps cover lost income if the studio must close temporarily due to a covered event (e.g., fire or flood).
8. Cyber Liability Insurance
Useful if you handle online bookings through a class booking software or store client data; protects against data breaches and cyberattacks.
9. Sexual Misconduct Liability Coverage
Especially important in fitness/dance environments with physical contact – protects against allegations or lawsuits.
Insurance Company Breakdown
Here’s a comparison of top insurance providers offering coverage suitable for such fitness professionals as pole dance studios. We included key features and pricing.
Please note that prices and coverage options may vary based on location, studio size, number of instructors, and specific services offered. It’s recommended to contact providers directly for personalized quotes.
Insure Fitness Group
- Annual Cost: $189 (Instructor), $65 (Student)
- Coverage Highlights:
- $1M per occurrence / $3M aggregate for general and professional liability
- $1M personal/advertising injury
- $25K identity protection
- Tailored for fitness and pole dance instructors
- $1M per occurrence / $3M aggregate for general and professional liability
Insurance Canopy
- Annual Cost: $159/year or $15/month
- Coverage Highlights:
- $2M per occurrence / $3M aggregate
- Optional add-ons: equipment ($1.33–$5.55/month), cyber liability ($8.25/month)
- Covers 300+ dance and fitness styles, including pole dance
- Includes online and in-person class coverage
- $2M per occurrence / $3M aggregate
Markel
- Annual Cost: Varies by location and coverage
- Coverage Highlights:
- General liability, professional liability, accident medical
- Property and business income coverage
- Optional add-ons: abuse/molestation, special gym events, equipment breakdown
- Ideal for full studios needing comprehensive protection
- General liability, professional liability, accident medical
The Hartford
- Annual Cost: Around $1,019/year (based on average small studio)
- Coverage Highlights:
- Business Owner’s Policy (BOP): general liability + property
- Workers’ compensation available
- Business income interruption coverage
- Customizable policies with 24/7 customer support
- Business Owner’s Policy (BOP): general liability + property
NEXT Insurance
- Annual Cost: Starting at $11/month
- Coverage Highlights:
- General liability, professional liability, commercial property
- Workers’ compensation available
- Bundle discounts up to 25%
- Great for small studios and independent instructors
- General liability, professional liability, commercial property
American Specialty Express
- Annual Cost: From $475/year
- Coverage Highlights:
- General liability and excess accident medical coverage
- Coverage for extra activities (e.g., yoga, private parties)
- Meets typical landlord insurance requirements
- Good fit for studios offering diverse services
- General liability and excess accident medical coverage
Help Your Business Insurance With Fitness Software
- Tell Your Members Insure Themselves: strongly encourage all members to purchase their own insurance policy for pole fitness activities.
- Integrated Access: easily guide your clients to recommended insurance options – let them be available directly through your membership app.
- Track Coverage Automatically: no need to chase paperwork. The system reviews client profiles and flags anyone who hasn’t provided proof of insurance, so you stay informed.
- Waiver Enforcement Made Simple: for uninsured participants, the gym management software can automatically prompt a gym waiver before class registration – keeping your business protected from potential claims.
Manage your gym
like a pro
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FAQ
Yes, instructors need insurance – it protects your business from claims and potential lawsuits that could arise from injuries or accidents. It’s not just smart – it’s a matter of professional responsibility.
You need general and professional liability insurance to cover claims of injury or negligence. If you teach aerial or pole, coverage should reflect those risks as well – taking your workout business to new heights safely.
Aerial insurance typically costs between $150–$500/year, depending on coverage and location. It’s a small price to pay to protect against expensive claims or a serious lawsuit.
