Coverage Table

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Professional / General Liability Insurance	Alliant YogaPro	Yoga Journal NACAMS National Association of Complementary and Alternative Medicines Sport and Fitness Insurance IAYTBeYogi
Part time and Full time Defined for separate rate
Part Time: 12 hours or less Full Time: more than 12 hours	Part Time: 6 hours or less Full Time: more than 6 hours	Single Rate	Single Rate	Single Rate
Rates and Limits
Part time: Rate: $115 Limit: $1M per claim / $2M aggregate Rate: $134 Limit: $2M per claim / $4M aggregate Full Time: Rate: $125 Limit:$1M per claim / $2M aggregate Rate: $146 Limit: $2M per claim / $4M aggregate	Part time: Rate: $125 + $65 membership fee Limit: $2M per occurrence / $4M aggregate Full Time: Rate: $185 + $65 membership fee Limit: $2M per occurrence / $4M aggregate	Rate:$179 Limit: $2M per occurrence / $4M aggregate	Rate: $185 Limit: $1M per occurrence / $2M aggregate Rate: $230 Limit: $2M per occurrence / $4M aggregate	Rate: $179 Limit: $2M per occurrence / $3M aggregate
Yoga Therapy, Kids Yoga, Online Instruction
Covered	Excluded	Only Yoga Therapy Covered	Excluded	Only Yoga Therapy Covered
AcroYoga, Suspension Yoga, Aerial Yoga, SUP Yoga
Covered for an additional premium	Excluded	Excluded	Excluded	Excluded
Thai Massage, Massage Therapy
Covered for an additional premium	Excluded	Covered	Excluded	Covered
Reiki, Ayurveda
Covered for an additional premium	Covered	Covered	Excluded	Covered
Nationwide Coverage
Covered Includes worldwide coverage; claims must be brought in the U.S.	Covered	Covered	Covered	Covered
HIPPA and Hi-Tech Fines and Penalties
Covered	Excluded	Excluded	Excluded	Excluded
Fire, Water Damage, Legal Liability / Damage to Premises Rented to you
$100,000	$100,000	$100,000	Equal to selected per occurrence limit	$100,000
Medical Expense Payments
$2,500 per person $50,000 aggregate	$2,500 per person	Excluded	$10,000	Excluded
Defendant Expense Benefit
$500 per day	$250 per day	Excluded	Excluded	Excluded
Certification Disciplinary Proceedings
Covered	Excluded	Excluded	Excluded	Excluded
First Aid Expense
Covered	Excluded	Excluded	Excluded	Excluded
Sexual Misconduct
$50,000 aggregate	$100,000 per occurrence $300,000 aggregate	Excluded	$100,000 per occurrence $300,000 aggregate	Excluded
Products and Completed Operations
$1,000,000 per claim $2,000,000 aggregate	$2,000,000 aggregate	$2,000,000 aggregate	1,000,000 aggregate	1,000,000 aggregate
Cancellation Policy
Refund remaining premium	No Refunds	No Refunds	No Refunds	No Refunds