Youngwomenpracticingyogaexercises(1).jpg

Curious about yoga insurance? Here are some of our frequently asked questions when instructors are looking to getting insured.

FAQ

What is Professional Liability Insurance?
- Professional liability insurance is also known as Errors & Omissions Insurance. This type of coverage will cover claims alleging negligence in the rendering of, or the failure to render professional services.
What is General Liability Insurance?
- General liability insurance is typically purchased by an individual or business as protection against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
What is a Claims Made Policy?
- A policy providing coverage that is triggered when a claim is made against the insured during the policy period. The wrongful act would need to occur on or after the policy retroactive and subsequent to non-renewal or cancellation date. It is also important to remember, policies must renew with no lapse to ensure continuous coverage, and no loss of the retroactive date. (IRMI.com)
Why do I need insurance?
- No one can plan for an accident, but you can be prepared for one. Whether you are directly or indirectly responsible, you can be pulled into a lawsuit, and the price tag for attorneys’ fees can be a hefty one. Insurance exists to defend and indemnify you from allegations of negligence.
- Remember, frivolous lawsuits are common. There may be no merit, but a person can still file a complaint against you. Insurance is an affordable way to safeguard your personal finances.
Do I need to be a Yoga Alliance member to apply for coverage?
- Yes, to obtain a quote and purchase a policy, you must be a Yoga Alliance member. If you are not a member, please visit Yoga Alliance to become a member.
Can I apply for a policy if I am a Yoga Alliance member living outside of the U.S.?
- No, coverage can only be provided to individuals residing in the U.S.
How do I know if I qualify as an employed, self-employed part-time, or self-employed full-time yoga teacher?
- Employed yoga teachers are individuals who provide yoga instruction and/or yoga teacher training as an employee of a studio or gym. The employed yoga teacher does not provide any volunteer or independent contracting yoga instruction.
- Self-employed yoga teachers are individuals who contract services to a studio or gym. They may also be employed, offer private lessons, or provide volunteer services.
- Part-time self-employed yoga teachers teach 8 hours or less per week
- Full-time self-employed yoga teachers teach 8 or more hours per week
What is the cost for yoga teacher liability Insurance?
- Please visit the Professional Liability page for an overview and pricing information.
- Will the yoga teacher liability policy cover more than yoga instruction and yoga teacher training?
- Subject to an additional premium and underwriter review, this policy can cover other fitness and wellness modalities. Coverage must be requested on the application.
- Please click Apply Now to download and submit an online application. Applications are non-binding/no purchase obligation.
Do I have to pay the policy premium in full?
- Yes, premium must be paid in full for the policy to be effective.
- For policies with premiums of $1,000 or more, please contact 1-800-YOGA or email yoga-questions@alliant.com for more information.
Will substitute teachers be covered by my yoga teacher liability policy?
- Yes, coverage can extend to cover a substitute teacher, but ONLY for the same services for which you are covered and ONLY if you are not teaching at the same time.
- For Example: If a substitute teacher is instructing a class at Location A at 6 p.m. on Wednesday night and you are instructing a class at Location B at 6 p.m. on Wednesday night, the policy will only cover you.
Will this policy cover me if I am hurt?
- No, this policy will not cover you if you get hurt. This policy provides third-party liability for professional liability and general liability (see definitions above) claims brought against you.
Will this policy cover me if I work with children?
- Yes, this policy will cover you for work with children.
Do I have to list all locations where I work?
- No, this policy is designed to follow the yoga teacher wherever services are provided. Further, it is not our usual practice to list locations on the policy.
- As a reminder, teacher policies will allow you to work away from your home and away from a studio you own. If you teach from your home or own a studio, you will want to take a look at our studio policy.
Will this policy cover me outside of the U.S.?
- Yes, this policy provides worldwide coverage, but only if the claim is made in the U.S., its territories, or Canada.
If I open a yoga studio, yoga school, or small yoga business, will the yoga teacher liability policy provide enough coverage?
- No, you will need to apply for coverage through the yoga studio program. If you choose to purchase a policy through the yoga studio program, you can request cancellation of your yoga teacher liability policy as coverage for you will be provided through the new policy.
What is the cost for studio liability insurance (includes yoga school and small yoga businesses)?
- Minimum premiums start at $357. For a quote, please click Apply Now to download and submit an online application. Applications are non-binding / no purchase obligation.
Is there a fee for Additional Insured Certificates?
- There is no fee to list additional insureds. As a reminder, additional insureds are studios, gyms, or other venue where you may provide services. The additional insureds option is not intended to extend coverage to services provided by others. If there are any special requests, they will be subject to review and an additional premium may apply.
How do I request to add an Additional Insured (certificate) after I have purchased a policy?
- If a studio, gym, or other venue has requested to be added as an additional insured, please submit your request using the following options:
- Email Request
- • Subject Line: Additional Insured Certificate Request – Your Name/Company Name as it appears on your policy documents
- • Body: Your Policy Number
- • Name of the Additional Insured as it should appear
- • Address of the Additional Insured as it should appear
- • Any special instructions or requests; if needed, please attach any documents.
- Client Self-Service Portal
- • Login to Connect at https://connect.alliant.com.
- • Your username is email address we have on file, <insert email address associated with your account>
- • If you don't recall your password, click 'Forgot Password' on the login page to request another.
- • Once logged in to Connect, from the Dashboard page click Add Additional Insured under 'Get Started'.
- • From Additional Insureds page, click Add Additional Insured button to launch the form.
- • Complete the form then click Add Additional Insured to submit. Depending on the information you provide, it will be processed automatically and return 'Added Successfully' or indicate your request is submitted for review. In which case, someone will be in contact with you within 1 business day to follow up.
How do I add a Certificate Holder only?
- You may add a certificate holder by completing a Certificate Request Form.
What is the difference between an additional insured and certificate holder?
- A certificate holder simply holds proof of coverage, and should your coverage be cancelled or change significantly, the certificate holder will be notified. An additional insured is a certificate holder also, but they are given some rights should a claim arise from services your provide for or on their behalf.
What is a Waiver of Subrogation?
- A Waiver of Subrogation is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party. If required, this is subject to review and an additional premium may apply.
What does Primary/Non-contributory mean?
- This means that the contractor's policy must pay before other applicable policies (primary) and without seeking contribution from other policies that also claim to be primary (noncontributory). If required, this is subject to review and an additional premium may apply.
How do I request a copy of my policy?
- If you would like a personalized copy, please email yoga-questions@alliant.com. Your email should contain the following:
- Subject Line: Policy Request – Your Name/Company Name as it appears on your policy documents
- Body: Your Policy Number
- Please send me a copy of my policy
- Any special instructions or requests; if needed, please attach any documents.
Do you offer higher limit options?
- No, the policy limits available to you are:
- · $1,000,000 per claim / $2,000,000 aggregate
- · $2,000,000 per claim / $4,000,000 aggregate
- Limits can be increased midterm for an additional premium. Limits cannot be decreased midterm.
How do I renew my policy?
- A policy must be renewed prior to the expiration date of your current policy. You will receive an email with information to renew. If your policy has expired, you will need to apply for a new policy; please click here to submit an application.
I need to reinstate my policy. What do I do?
- Once a policy is expired or cancelled, it cannot be reinstated. To apply for a new policy, please click here to submit an application.
How do I update my contact information (name change, address, email, etc.)?
- To update your contact information, please email yoga-questions@alliant.com. Your email should contain the following:
- Subject Line: Request to Update Contact Info – Your Name/Company Name as it appears on your policy documents
- Body: Your Policy Number
- Tell us what needs to be updated and how it should be updated.
I want to cancel my policy, what do I do?
- Please keep in mind cancelling your policy will mean the following:
- · Any claim reported after cancellation will not be covered.
- · You have the option to extend the reporting period for an additional premium. If you are interested, please indicate in your email.
- · Cancellation effective date will be equal to the date of your request or a future date. Policies cannot be cancelled retroactively.
- · Any additional insured and/or certificate holder associated with your policy will be notified of cancellation.
- · You will receive any remaining premium on your policy by check.
- To cancel your policy, please email yoga-questions@alliant.com. Your email should contain the following:
- Subject Line: Cancellation Request – Your Name/Company Name as it appears on your policy documents
- Body: Your Policy Number
- Please cancel my policy effective (note this date must be equal to the date or your request or a future date. Polices cannot be cancelled retroactively.)
- Any changes to your mail address or contact information

FAQ

Professional liability insurance is also known as Errors & Omissions Insurance. This type of coverage will cover claims alleging negligence in the rendering of, or the failure to render professional services.

General liability insurance is typically purchased by an individual or business as protection against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.

No one can plan for an accident, but you can be prepared for one. Whether you are directly or indirectly responsible, you can be pulled into a lawsuit, and the price tag for attorneys’ fees can be a hefty one. Insurance exists to defend and indemnify you from allegations of negligence.

Remember, frivolous lawsuits are common. There may be no merit, but a person can still file a complaint against you. Insurance is an affordable way to safeguard your personal finances.

Yes, to obtain a quote and purchase a policy, you must be a Yoga Alliance member. If you are not a member, please visit Yoga Alliance to become a member.

No, coverage can only be provided to individuals residing in the U.S.

Employed yoga teachers are individuals who provide yoga instruction and/or yoga teacher training as an employee of a studio or gym. The employed yoga teacher does not provide any volunteer or independent contracting yoga instruction.

Self-employed yoga teachers are individuals who contract services to a studio or gym. They may also be employed, offer private lessons, or provide volunteer services.

Part-time self-employed yoga teachers teach 8 hours or less per week

Full-time self-employed yoga teachers teach 8 or more hours per week

Please visit the Professional Liability page for an overview and pricing information.

Will the yoga teacher liability policy cover more than yoga instruction and yoga teacher training?

Subject to an additional premium and underwriter review, this policy can cover other fitness and wellness modalities. Coverage must be requested on the application.

Please click Apply Now to download and submit an online application. Applications are non-binding/no purchase obligation.

Yes, premium must be paid in full for the policy to be effective.

For policies with premiums of $1,000 or more, please contact 1-800-YOGA or email yoga-questions@alliant.com for more information.

Yes, coverage can extend to cover a substitute teacher, but ONLY for the same services for which you are covered and ONLY if you are not teaching at the same time.

For Example: If a substitute teacher is instructing a class at Location A at 6 p.m. on Wednesday night and you are instructing a class at Location B at 6 p.m. on Wednesday night, the policy will only cover you.

No, this policy will not cover you if you get hurt. This policy provides third-party liability for professional liability and general liability (see definitions above) claims brought against you.

Yes, this policy will cover you for work with children.

No, this policy is designed to follow the yoga teacher wherever services are provided. Further, it is not our usual practice to list locations on the policy.

As a reminder, teacher policies will allow you to work away from your home and away from a studio you own. If you teach from your home or own a studio, you will want to take a look at our studio policy.

Yes, this policy provides worldwide coverage, but only if the claim is made in the U.S., its territories, or Canada.

No, you will need to apply for coverage through the yoga studio program. If you choose to purchase a policy through the yoga studio program, you can request cancellation of your yoga teacher liability policy as coverage for you will be provided through the new policy.

Minimum premiums start at $357. For a quote, please click Apply Now to download and submit an online application. Applications are non-binding / no purchase obligation.

If a studio, gym, or other venue has requested to be added as an additional insured, please submit your request using the following options:

Email Request

• Subject Line: Additional Insured Certificate Request – Your Name/Company Name as it appears on your policy documents

• Body: Your Policy Number

• Name of the Additional Insured as it should appear

• Address of the Additional Insured as it should appear

• Any special instructions or requests; if needed, please attach any documents.

Client Self-Service Portal

• Login to Connect at https://connect.alliant.com.

• Your username is email address we have on file, <insert email address associated with your account>

• If you don't recall your password, click 'Forgot Password' on the login page to request another.

• Once logged in to Connect, from the Dashboard page click Add Additional Insured under 'Get Started'.

• From Additional Insureds page, click Add Additional Insured button to launch the form.

You may add a certificate holder by completing a Certificate Request Form.

A Waiver of Subrogation is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party. If required, this is subject to review and an additional premium may apply.

This means that the contractor's policy must pay before other applicable policies (primary) and without seeking contribution from other policies that also claim to be primary (noncontributory). If required, this is subject to review and an additional premium may apply.

If you would like a personalized copy, please email yoga-questions@alliant.com. Your email should contain the following:

Subject Line: Policy Request – Your Name/Company Name as it appears on your policy documents

Body: Your Policy Number

Please send me a copy of my policy

Any special instructions or requests; if needed, please attach any documents.

No, the policy limits available to you are:

· $1,000,000 per claim / $2,000,000 aggregate

· $2,000,000 per claim / $4,000,000 aggregate

Limits can be increased midterm for an additional premium. Limits cannot be decreased midterm.

A policy must be renewed prior to the expiration date of your current policy. You will receive an email with information to renew. If your policy has expired, you will need to apply for a new policy; please click here to submit an application.

Once a policy is expired or cancelled, it cannot be reinstated. To apply for a new policy, please click here to submit an application.

To update your contact information, please email yoga-questions@alliant.com. Your email should contain the following:

Subject Line: Request to Update Contact Info – Your Name/Company Name as it appears on your policy documents

Body: Your Policy Number

Tell us what needs to be updated and how it should be updated.

Please keep in mind cancelling your policy will mean the following:

· Any claim reported after cancellation will not be covered.

· You have the option to extend the reporting period for an additional premium. If you are interested, please indicate in your email.

· Cancellation effective date will be equal to the date of your request or a future date. Policies cannot be cancelled retroactively.

· Any additional insured and/or certificate holder associated with your policy will be notified of cancellation.

· You will receive any remaining premium on your policy by check.

To cancel your policy, please email yoga-questions@alliant.com. Your email should contain the following:

Subject Line: Cancellation Request – Your Name/Company Name as it appears on your policy documents

Body: Your Policy Number

Please cancel my policy effective (note this date must be equal to the date or your request or a future date. Polices cannot be cancelled retroactively.)

Any changes to your mail address or contact information