Overview

The cost of defending a claim can be astounding. Why go it alone? As a Yoga Alliance member, you are not alone. Yoga Alliance has partnered with Alliant to access coverage through Lloyd’s of London to provide coverage exclusively to members. Lloyd’s is Standard & Poor’s “A” (Strong) and an A.M. Best “A-” (Excellent) rated insurance carrier.

Alliant YogaPro includes professional liability and general liability coverage.

Professional liability insurance is also known as Errors & Omissions Insurance. This type of coverage will cover claims related to your professional services, in this case yoga instruction and/or teacher training.

General liability insurance will cover claims related to bodily injury, property damage, and negligence related to your business.

About the Insurance Carrier: Lloyd’s of London

Lloyd’s of London has a history dating back more than 300 years and has grown to be the world’s leader for specialty insurance. 
“A” (Strong) rated by Standard & Poor's
“A-” (Excellent) rated by A.M. Best Rating

 

About the Insurance Policy

 
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Available Policy Limits:
$1M each claim / $2M aggregate
$2M each claim / $4M aggregate

Policy Type: Claim Made

Policy Coverage: Combined Professional and General Liability

 

Other Policy Benefits:

 

Host liquor liability
Fire/water damage legal liability
Medical expense payment
Defendants expense
Deposition fees and expenses
Damage to property of others

HIPAA/HITEHC fines and penalties
First aid expense
Sexual misconduct
License and disciplinary proceedings
Products completed operations

See everything we have to offer.

Click on the other programs names to do a side by side comparison with coverage from Alliant YogaPro.

Professional / General Liability Insurance

Alliant YogaPro

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

 

Also, 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 per occurrence

$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