2007-02-04 03:14:18 · 5 answers · asked by Anonymous in Business & Finance ➔ Insurance
Neither, you need liability to cover your business.
2007-02-04 03:22:24 · answer #1 · answered by Anonymous · 1⤊ 0⤋
You need business insurance for yourself and due to the nature of your business I hope you also have a medical disclaimer or something saying that clients should be consulting doctor before beginning any exercise regimen. Check liability policies with your insurance company and even independent companies specializing in just that field.
If the client has home insurance everyone's policy comes with a standard medical payments coverage if someone gets hurt at the home. But this would be like slip fall on ice, trip in home, tree branch hits you kind of stuff. Probably would never come into play with I was doing yoga and pulled a butt muscle or anything related to that. Also, if you got hurt at someones home to put a claim on their home insurance would be negative on their record so you probably would not want to do that to a good client.
2007-02-04 04:43:16 · answer #2 · answered by q8336b 2 · 0⤊ 0⤋
First two answers are absolutely correct. Get a business liability policy ASAP. Make sure to let the agent know that you conduct business on other peoples property. Once you get a policy please take the time to read it thoroughly. Yes it is boring to do so, but so many people assume that since they have a policy that anything and everything is covered and that is not true at all. Educate yourself on what he policy covers and doesn't cover. If you have questions about what the policy covers don't ask the agent call the insurance companies claims dept and get somebody there to explain stuff to you.
2007-02-04 04:17:03 · answer #3 · answered by fighting saints 6 · 0⤊ 0⤋
If the party injured sues both you and the homeowner, their policy would cover their portion of the homeowner's liability. If you are teaching Yoga for a fee, you will need your own business liability insurance. If you are not charging a fee (i.e. this is not your occupation or a business pursuit), your homeowner's liability portion would cover your liability portion.
2007-02-04 04:41:49 · answer #4 · answered by Gambit 7 · 0⤊ 0⤋
if you were operating as a business, you would need insurance for your business activities, it would not be covered by any-ones house insurance.
2007-02-04 03:20:09 · answer #5 · answered by bob shark 7 · 0⤊ 0⤋