Separate instruction from equipment responsibility
A client injury allegation and accidental damage to a borrowed reformer raise different questions. Record who owns each machine, who maintains it and what your rental agreement says about damage. Ask about property in your care and equipment moved between studios.
Which wording addresses borrowed or rented reformers?
Describe how online teaching works
Explain whether classes are live, recorded, one-to-one or open to a group. Note the countries where clients participate and how you screen suitability. Do not assume a policy covering local studio lessons automatically follows a digital class across borders.
Are recorded content and the locations of online clients accepted?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Teaching qualifications and modalities
- Studio addresses and rented-space agreements
- Reformer and equipment replacement values
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.