Learn How You Can Protect Yourself With Wellness Liability Insurance

What steps do you need to take to become LEGALLY MINDFUL?

1. CARRY PROFESSIONAL WELLNESS LIABILITY INSURANCE NOW!

2. UNDERSTAND YOUR LIABILITY.
When you put out your shingle, whether in a studio, at your home or at another site, and you collect payment from a client, you enter into a personal services contract between you (the mind-body professional) and the client. Clients assume that you are a trained professional who knows what is best for them in your field of expertise. However, if a client files a liability claim, you need to understand your risks in order to defend your actions.

3. OBTAIN RELEASE/WAIVER DOCUMENT.
We always recommend that you obtain a well-written release/waiver document. An example of this type of form is available from Inner IDEA, as well as from attorneys in your state. This form should mirror your state laws regarding negligence law and should be written into your contracts or, preferably, be a stand-alone document. This form is essential for the mind-body professional. You should not work with anyone until this document is prepared. These waivers are becoming more necessary every year.

4. OBTAIN ASSUMPTION OF RISK/ INFORMED CONSENT DOCUMENT.
Another important document that can be prepared alone or in conjunction with a release/waiver is an assumption of risk/informed consent form. You need to explain to every client the movements that he or she will be performing and what the risks are for each. Remember, accidents can happen and clients can be seriously hurt. An assumption of risk/informed consent document should be presented in a positive manner when you are first discussing the movements with your client.

5. COMPLETE HEALTH HISTORY FORM.
This is another necessary step in the preactivity health screening and fitness assessment process. This form helps you analyze a client’s level of wellness and helps you determine if you need to refer the client to a medical professional for a stress test or medical clearance. Again, this form can be used proactively with your clients to help establish their trust in your professionalism and desire to do the best job for them.

6. MAKE SURE YOU’RE COVERED.
Are you insured, even if you work for a studio or wellness company? Has your employer given you a description of your professional liability insurance coverage at your workplace? What if a claim takes place and the insurance company insuring the facility makes the determination that you were acting outside the guidelines of your job? What if you were sent off-site to work with clients and found out the studio doesn’t provide off site coverage? What if some of the members of the studio asked you to do some off-site training for them and one of them was hurt? In many of these cases, your studio’s professional liability insurance policy may not cover you.

You should now have a better understanding of why you need professional liability insurance. The risk exposure is there and you can get peace of mind for about $17 per month. Don’t hesitate any longer. Inner IDEA Wellness Insurance Program can give you this PEACE OF MIND FOR ABOUT $17 PER MONTH.

Click here, to apply for professional liability insurance!