Regular interaction with people is a guaranteed part of any Pilates Instructor practice. You may face situations where your clients look to hold you responsible for injuries they deem to have received as a result of your professional services.
Professional Indemnity Insurance (PI) protects you against liability or allegations of liability for financial injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a Pilates Instructor. PI protects Pilates Instructors by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PI also covers the cost of patient compensation or damages.
We’ve all had that moment; where you think of a brilliant business idea only to find someone has already beaten you to it. What happens if you implement a new idea in your business, only to find out that you have unintentionally copied someone else’s idea? Your PAA Insurance policy protects you against any alleged or actual (and unintentional) infringement of a copyright, trademark, registered design or patent.
Coverage provides reimbursement to an insured member for defence costs if any criminal proceedings are brought against them in relation to the performance of their professional services rendered in Australia; provided the member is acquitted or found ‘not guilty’ of the criminal charge.
Reputation can mean the success or failure of a business. As a PAA Member participating in the Insurance Program, you have access to cover for costs involved with engaging a Public Relations Consultant to work with you to maintain your public image where an allegation is made regarding the quality of your professional services which may lead to a claim.
Coverage is provided for an insured member to engage preliminary legal services and advice prior to an incident being formally accepted as a claim under the policy.
This policy is fully compliant with the Australian Health Practitioner Regulation Agency (AHPRA) regulation and registration requirements and will be subject to regular review by industry experts to ensure continual cover enhancement.
To upgrade to $20M Professional Indemnity, contact BMS on:
1800 940 764 or email firstname.lastname@example.org
If you are a practice owner and operate under a legal business entity; you will need to apply for Entity Coverage which will extend your PAA Member Insurance Policy to include cover for Vicarious Liability for your Business. Vicarious Liability is where you or your business can be held responsible for the actions of an employee, agent or Sub-Contractor.
Example: A Pilates Instructor employed by you runs a Reformer Pilates class. A participant in the class claims that inadequate supervision of class participants led to them sustaining a back injury. The patient takes action out against the employee who ran the class, you (the Individual) as the owner of the studio and who provided the treatment, and your Pilates Studio (business entity) for not having adequate processes in place to ensure adequate supervision. Your PAA Insurance Policy responds to your legal costs to defend your liability, and if entity coverage is taken, your PAA policy will also respond to cover the legal defence costs in respect of your business entity.
It is important to note that your PAA policy will not respond to any costs associated with the action against professional employees, they will need maintain individual Professional Indemnity coverage.
Please complete and return the application form or call BMS today on 1800 940 764 to receive a quote to extend your PAA Member Insurance Policy to include your Business Entity:Download Form