Common questions
A little clarity before the conversation.
These answers identify what to review. They do not determine how a particular policy responds to a loss.
Does general liability cover an allegation about instruction or treatment?
Do not assume it does. Professional-services exclusions can separate instruction or treatment allegations from premises liability. Compare the activity with the professional-liability form and any exclusions in the general-liability policy.
Does an instructor’s own policy automatically cover the studio?
No. The studio’s status depends on the policy and any applicable endorsements. Review the instructor agreement and the actual insurance terms together; a certificate alone does not extend coverage.
What should we check before switching a claims-made policy?
Review the retroactive date, how claims must be reported, and any extended-reporting options. Ask about past work and known circumstances before allowing the current policy to end.
Can a consultation include an upcoming service change?
Yes. Describe the proposed activity before introducing it, including any new equipment, hands-on work, or outside location. Changes may affect the information needed for a proposal or an existing policy review.
Should we send patient records to start a conversation?
No. A general description of the practice is enough to begin. Keep patient records, medical histories, and other sensitive personal information out of calendar notes and general correspondence.
Opens the shared Tools for Enlightenment calendar on Cal.com.