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GET A QUOTE ON-LINE

We need you to supply us with certain information before we can confirm a quotation and/or issue cover.  In the first instance please complete an online enquiry form to receive a quotation.  Thereafter we can discuss your requirements more specifically and deal with any queries arising either by phone or email.

In any event, we can arrange cover quickly for you.

Insurance for Health & Fitness practitioners

WHO ARE WE?

Specialists

We specialise in arranging insurance for instructors in the Health & Fitness communities i.e. Yoga Teachers, Dance Instructors, Pilates Teachers, Tai Chi Instructors and Exercise & Fitness Trainers.  We also act for First Aid Practitioners/Trainers (including Health & Safety, Security and other forms of Corporate Training) and both Complementary and Beauty Therapists.  We provide cover for Malpractice, Professional Liability, Legal Expenses and Personal Accident Insurance.

Our cover is available to residents of the UK, Channel Islands and Isle of Man.

 

A Reputation You Can Trust

Our staff are helpful, and knowledgeable. We have been working in this industry for many years and have built a reputation with many clients including well-known schools of Yoga teacher training. The scheme is arranged and administered by us and is underwritten by certain underwriters at Lloyds.

Covid 19 Coronavirus update 24/03/2020

We have arranged for all our scheme policies to be extended to provide wider cover for online classes in accordance with the endorsement (under).

Endorsement 83a that extends this cover is in 2 parts i.e. Live online interactive classes and Non-interactive pre-recorded classes.  You need to read both parts carefully to ensure you comply with the terms and conditions.  Underwriters have stated that the requirements applied in the non-interactive section would be considered best practice for online activities generally, whether interactive or non-interactive, to achieve good risk management.

We have applied this extension to all policies and this is effective immediately up to expiry of your policy as shown on your current policy certificate and schedule.

There is no need for us to reissue your documents, although we suggest you keep a copy of this endorsement with your policy schedule/records.

 

Endorsement 83a – Online Tuition / Classes

Live Interaction Consultations, Treatments and Classes held in real-time with live interaction between instructor/therapist and student/client conducted electronically

For the purposes of Skype or similar electronic consultations and/or classes Exclusion 10 (h) of the policy is hereby deleted and of no effect.

Cover is hereby extended to include Consultations, Treatments and Classes held in real-time with live interaction between instructor/therapist and student/client conducted electronically.

All other terms, conditions, exclusions and limitations in this policy remain unaltered.

 

Non-Interactive Fitness Training, Yoga, Pilates, Tai Chi (Soft Form), Meditation and/or Mindfulness Classes/Instruction conducted electronically 

For the purposes of Online classes Exclusion 10 (h) of the policy is hereby deleted and of no effect.

Cover is hereby extended to include Non-Interactive Online Classes/Instruction conducted electronically subject to:

  • Activities restricted to Fitness Training, Yoga, Pilates, Tai Chi (Soft Form), Meditation and/or Mindfulness only
  • The application of a legal disclaimer stating that students’ participation in the class is at their own risk
  • The provision of Online Classes/Instruction is via a secure platform/medium that requires a personal ID and password enabled by the Insured.  For the avoidance of doubt cover hereunder excludes any claims arising from and/or relating to YouTube posts or broadcasts (or via any other similar platform/medium) where the Insured cannot restrict access to specific students.
  • The participating students are already registered with the Insured and are known to them, have received an initial assessment and have either been observed in a previous 1:1 or small online class setting, or in a previous physical class
  • Online Classes/Instruction must be suitable to be taught remotely and the Insured at each session must proactively discuss and encourage the students to practice in a suitable environment and spacious area
  • The Insured conducts no new movements or poses that they have not already witnessed their students perform in at least one physical class already
  • The Insured’s service contract stipulates that it is governed by English Law and the exclusive jurisdiction of the Courts of England and Wales
  • Records of sessions are maintained in accordance with Condition Precedent 3 of the Policy Wording

All other terms, conditions, exclusions and limitations in this policy remain unaltered.

“Yoga teaches us to cure what need not be endured and endure what cannot be cured.”

~ B.K.S. Iyengar