Yoga and pilates classes have become particularly popular in recent years, and they have every reason for this - they allow for different training levels, different pace of activity and different training styles that can be adapted to every exerciser at any age, at any fitness level and in any physical condition. In addition, the yoga and pilates exercises are considered more therapeutic and therefore also attract people who are not necessarily very sporty.
Despite the balanced nature of yoga and pilates training, these classes, like any physical training, may end in injuries caused by incorrect training, a defect in the training facility or human error on the part of the instructor or trainee.
In order to avoid these situations, the instructor's or trainer's responsibility is to ensure professionalism and vigilance during the lessons, for standard and proper equipment that is regularly maintained, and of course also for professional insurance that will provide coverage in case of damage to the trainees. Here is information on insurance for yoga and pilates trainers and instructors.
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- Read more: Professional liability insurance for trainers and fitness instructors
Why is it important to purchase a professional liability insurance policy for personal accidents?
Like any strenuous physical activity, yoga and pilates instructors are also exposed to lawsuits from trainees in case of injury or harm caused during training. The injuries may be caused as a trivial part of the training due to its intensity, following incorrect guidance or incorrect training. Sometimes the injury is not even caused directly by the activity of the instructor, but by a defect in the sports facility.
An important part of the instructor's role is to foresee the risks and the chances of injury, and to do as much as he can to reduce them, whether through strict adherence to the safety rules, adaptation of the training to the trainee, full supervision of the trainees during the training and regular maintenance of the various training devices.
Part of an instructor's liability is the purchase of a professional liability insurance policy that guarantees the trainer third-party coverage in the event of injury to one of the trainees.
What is important to pay attention to when purchasing a professional insurance policy for yoga and pilates trainers?
Professional liability insurance policies for sports coaches are many and varied and each policy has the unique conditions appropriate to the specific sport to which the policy is adapted.
When you purchase a professional liability insurance policy for yoga and pilates trainers, it is important to check all the policy clauses in detail. To make sure you purchase the right insurance policy for you.
There are several points that are important to dwell on:
Adapting the policy to the type of activity - make sure that you purchase a professional liability insurance policy that is adapted to the activity of yoga and pilates trainers. In addition, you must make sure that the policy is suitable for the specific type of activity you offer to your trainees - Pilates equipment, Pilates for pregnant women, etc.
Adapting the policy to the scope of the activity and the number of trainees - professional liability policies offer different liability limits for a trainer who performs 10 training sessions per week and a trainer who performs 100 training sessions per week. Make sure that the policy covers the scope of your annual activity, and even make sure to update the policy if the scope of activity increases during the year. In addition, make sure that the sum of the insurance's liability limits is appropriate and reflects your activities as guides.
Third party component of the policy - professional liability insurance also provides coverage in case of injury caused by third parties as part of the training you perform, such as a case in which the trainee is injured as a result of the equipment of the trainer or the studio itself. That is why it is important to make sure that the policy you purchase also contains a component of third party insurance.
Ways to renew the policy - the insurance policy is purchased for one year, and the insurance period expires. When you purchase an insurance policy, make sure that at the end of the insurance period the policy will be renewed automatically and without any action on your part, in order to ensure continuity of insurance and avoid a situation where you operate without valid insurance.
Does every trainer have to purchase professional liability insurance?
If you work as an employee, you may not be obligated to purchase professional liability insurance for yoga / pilates trainers, as long as the place that employs you insures you including third party claims. If you are self-employed, or your workplace does not insure you, you must take care of liability insurance and third party insurance.
Looking for insurance for yoga or pilates instructors? In any case, it is recommended to consult with the experts of the national collective, who are experienced in adjusting insurance plans for training and training for sports training in a studio / gym. Contact us to receive a customized insurance offer for you and your studio.
