Pilates will always be one form of exercise that will need the help of instructors. Instructors need to complete a certified training program in order to be competent and trusted by their students because of the various forms of muscle stretching, strengthening, breathing, and exercise which supports the alignment of one’s spine. With these delicate movements, students are not far from being harmed or injured. In these cases, trainers need to be enrolled with Pilates Instructor Insurance.
Just a single claim or complaint from a student, an instructor can be sued for negligence during rendering of his or her service. Whether he or she is employed or self-employed, working full time or part-time, he or she can apply for insurance, as long as he or she has completed a certified training program. The insurance can protect the instructor from liability and trip-and-fall claims whether they are in homes, health clubs, gyms, or the YMCA’s.
Pilates programs include two types of exercise: mat and equipment-based. A Pilates Instructor Insurance coverage comes in these two types as well. Primarily, an instructor can be covered with the general liability insurance. This basically means that you are protected from financial loss if a client is injured and charges you for being negligent. If you are not insured, you will have to pay for losses from your own pocket.
An addition to the general liability insurance is the miscellaneous liability which can cover you if ever there is bodily injury of your clients resulting from failure to provide services to them. Another important consideration is a sexual harassment claim. You can be protected up to $300,000 in coverage, which is according to cumulative occurrences.
Clients can have the right to make claims for any wrongdoing you might have made, which includes oversight, misleading advice, or any error that they can consider as negligence. If they claim that you must pay damages, a professional indemnity can cover you, which means they can cover your compensation.
Together with these inclusions, such insurance also includes the Products liability, which is coverage for your equipment. The aggregate or cumulative limit you can be protected is $1,000,000. That is a pretty high amount considering this is just for equipment coverage.
Pilates instructors must be very careful while teaching their students. If you have been an instructor for so many years, you have built a large network of clients and honed your skill. Protect what you have worked hard for and the wonderful relationship you have built with your clients. Include Pilates Instructor Insurance in your list of priorities to boost your work in promoting the health and wellness of individuals.