Hands-on adjustment and clients who often arrive with existing injuries – cover for single- or dual-discipline teachers on one schedule.
Buy one policy that names both disciplines and every format you teach, evidence both qualifications, and size equipment cover honestly if reformers are involved. At £50–£120 a year for comprehensive dual-discipline cover, the cost of getting this right is trivial; the cost of an adjustment-related claim on a premises-only wording is not.