Common questions
Studio and practice insurance, explained.
Start here for the differences that matter when insuring instruction and care. We can read your own policy and explain how its wording applies to your business.
Does general liability cover an allegation about instruction or treatment?
General liability may exclude allegations about instruction or treatment. We compare those exclusions with the professional liability form to establish which policy addresses the services you provide.
Does an instructor’s own policy automatically cover the studio?
No. We check the instructor agreement and insurance endorsements to establish whether the studio is included. A certificate showing the instructor’s coverage does not extend that policy to your business.
What should we check before switching a claims-made policy?
We check the proposed retroactive date and reporting conditions against your current policy, including how earlier services are treated. We also explain extended-reporting options and identify continuity issues before recommending a replacement.
Can you help insure a new service?
Yes. We can assess a planned class or treatment against your current insurance and seek terms for the changed activity. Tell us before it begins so we can establish what the submission and policy need to address.
Do you need patient records to get started?
No. We can establish the insurance account from a business-level description of the care you provide. Patient records and medical histories should stay out of booking notes and general correspondence.
What information should we prepare for a renewal review?
Bring your current policy, declarations and endorsements, an updated service list, current locations, payroll estimates, and any lease or venue requirements. We use those records to prepare a clear account description and compare the terms available.
Can a certificate satisfy a landlord or venue requirement?
A certificate shows certain insurance information, but it does not change policy wording. If a landlord or venue requires an additional insured endorsement or other particular term, we compare the contract language with the proposal and the relevant endorsement.
What should we do when an instructor or practitioner joins the business?
Tell us before the arrangement begins. We will establish the person’s relationship to the business, the services they will provide, and whether the current coverage and submission need to change.
Can you help if we work at another location or a client’s premises?
Yes. Tell us where the work happens, who controls the location, whether you bring equipment, and whether a venue agreement applies. We use those facts to assess the coverage questions and any contract requirements.
How do you compare proposals?
We place policy terms into the same comparison: insured parties, limits, deductibles, dates, exclusions, endorsements, and conditions. We then explain the differences in relation to the services, locations, and people in your business.
Should we send patient records or identity documents?
No. Begin with a business-level description only. Do not send patient records, medical histories, identity documents, passwords, or payment details through booking notes or general correspondence.