Professional liability
Ask how claims about instruction, technique, or a client injury during a session are treated.
Bring the detail
Prepare teaching qualifications and modalities. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
General liability
Discuss visitor injuries and accidental property damage at studios or rented spaces.
Bring the detail
Prepare studio addresses and rented-space agreements. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Equipment & studio
Explore protection for reformers, teaching equipment, and tenant improvements.
Bring the detail
Prepare reformer and equipment replacement values. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Teaching formats
Mat, reformer, home visits and digital classes can create different underwriting questions.
Locations and participants
Give the venue list, class sizes and client territories consistently to each provider.
Equipment responsibility
Owned, borrowed and leased reformers require different ownership and damage questions.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: An insurance checklist for teaching in more than one studio →