The APPI Statement on Insurance
We are very often asked a myriad of questions relating to the insurance cover
of running various Pilates sevices. This sheet outlines the current position of the APPI in relation to the issue of insurance cover. If you require any more information please feel free to contact the APPI directly.
Q: Do I need additional insurance?
If you are using Pilates on a 1:1 basis as a qualified therapist, then generally you are covered by your existing professional insurance (for example your CSP insurance if you are a physiotherapist). This is because you are acting in the capacity of a Physio for example. However, please check with your governing body if you are from another allied health discipline.
If you are running classes, then the issue of Insurance is unfortunately a grey area. The bottom line here is that you will need to consult with your governing body, detailing exactly what you are planning to do and in what environment.
Generally speaking this will come down to what is known as scope of practice. For example, a physio working on a 1:1 basis is acting as a physiotherapist, whose choice of treastment may happen to be pilates. This is within the scope of practice of a physiotherapist. A physiotherapist running a pilates class, may be argued, is acting as a Pilates Instructor and not a physio, as their is no pre/post assessment, and therefore may not be covered by their CSP insurance.
The APPI strongly recommends that you contact your governing bodies legal department and get specific advice relevant to your situation. It can depend on the venue, the nature of the class, and many other issues. Whatever advice you are given please rquest it in writing for your own protection.
For absolute piece of mind we advise that you take out additional cover to fully protect yourself in the event of taking classes. You will find details of this in your MW2 manual.
Q: What if I am delivering Pilates to a Pregnant lady?
This is a contentious issue and once again will demand direct correpondance with your insurer or governing body. Many insurance policies do not cover the delivery of exercise to Pregnant cleints. This is an issue many people do not forsee. We strongly advise you check your policy to cover yourself. On many policies you have the ability to be covered for this, but it is an addition to the standard cover. Please ensure you clarifiy if you are covered, especially in the instance of delivering classes.
Q: When am I qualified to run an APPI Class?
You are only qualified, or recognised by APPI after you are certified in your certification exam. That means that you have completed all 3 MW courses, completed your log book, and have passed your exam. Following MW2 we allow you to practice with small groups, and you can get student cover for insurance purposes, but you are only recognised by APPI once you are certified.
Having said all that, please confirm your specific situation with your insurance provider, or governing body. Please also get your advice in writing to protect yourselves. This information is for guidance only, and is subject to change.