A client alleges that a reformer exercise aggravated an injury. The studio also asks for proof of insurance before your next class.
Why the details matter
From a quiet mat class to a busy reformer studio, start with insurance questions that understand how you teach. The useful starting point is a description of what happens in practice: who is involved, where the activity happens, and which agreements or responsibilities sit behind it.
Three questions to take with you
- Are mat classes, reformer instruction, and online sessions all within the declared activities?
- Does the studio need to be an additional insured, and what wording does its contract require?
- Are substitute teachers and independent instructors included or separately insured?
Get the information together
Use current information. If a value, location, activity, or arrangement has changed, point that out rather than relying on the previous policy’s description.
- Teaching qualifications and modalities
- Studio addresses and rented-space agreements
- Reformer and equipment replacement values
- Annual revenue and participant numbers
- Online teaching locations and client territories
Read the answer alongside the policy
A general explanation or a certificate may leave important questions unanswered. Ask which wording applies to the specific situation, what is excluded, and what you would need to do if something happened.
Before agreeing to cover
Confirm the named people or entities, start date, territory, limits, deductibles, reporting requirements, and total cost. Keep the proposal and answers for your records. Only the appropriately licensed provider can confirm an offer and arrange the policy.
Open your preparation checklist →