Who we help
For businesses where people come through the door.
Your clients come for a class, a session, or an appointment. The insurance discussion starts with what happens while they are in your care.
Fitness studios
Put class formats, personal instruction, and instructor arrangements into the same conversation as your premises.
A studio’s schedule is a useful exposure map. Group classes, individual training, and sessions held in another space can involve different activities and responsibilities. Describe them explicitly when seeking coverage.
When instructors work across businesses, review whose policy is intended to respond. Do not assume a contractor’s insurance includes the studio, or that a waiver resolves the insurance question.
Bring into the review
- Current class list, equipment use, and any hands-on instruction.
- Employee and independent-instructor arrangements.
- Venue agreements and requirements for off-site sessions.
Healthcare services
Make the treatment provided, the practitioners involved, and the business’s own exposure clear before comparing coverage.
The scope of care matters more than a broad healthcare label. Describe the services offered, who provides them, and whether work takes place in the practice, remotely, or at another location.
Separate the premises conversation from professional treatment exposures. Practitioner coverage and the business entity’s coverage should be reviewed together, especially when providers join, leave, or work under separate agreements.
Bring into the review
- A business-level description of treatments, without patient information.
- Practitioner relationships and the entities named on current policies.
- Any change in services, premises, or claims-made coverage continuity.
Opens the shared Tools for Enlightenment calendar on Cal.com.