What Happens if a Client Sues Me?

As a wellness teacher, it can be stressful to hear that a client is considering legal action against you. It’s natural to feel anxious or even a bit unsure about what comes next. The good news is that this is exactly why you have insurance with beYogi.

Your policy is designed to protect you and your business, so you can have peace of mind. Sure, no one likes to think about being sued, but it helps to know how to respond. Here’s a clear guide to what happens if a client files a claim against you.

KEY TAKEAWAYS

Step 1: Call beYogi Right Away

The very first thing to do is reach out to beYogi. You can call us at 800-516-8822 or email sarasota.bsd.operations@ajg.com. It might feel tempting to handle the situation on your own or respond directly to the client or their attorney, but resist.

It’s especially important to communicate with us early on. When you contact us immediately, it helps us document your claim properly, and you get guidance from the start.

Every claim is unique, but our team is experienced in helping wellness professionals through these situations. Even if you are unsure whether the client’s claim will go anywhere, calling us first protects your coverage and gives you professional support.

Step 2: Report the Claim

Once you reach out, we will walk you through the claims reporting process. You will complete a claims form and provide details about the situation. This usually includes:

• A description of the incident
• Copies of any correspondence from the client or their attorney
• Your own account of what happened, in your own words

It’s important to submit this information as soon as you can so we can forward it to our insurance carrier right away. Once received, the carrier reviews the claim, usually responding within 24–48 hours, and issues a formal coverage letter outlining the next steps.

Beyond protecting your coverage, reporting the claim accurately and promptly also helps the carrier assign the right resources and counsel to your case. This gives your defense the best possible start.

Step 3: beYogi Manages Your Defense

If the claim falls under your policy coverage, our insurance carrier will appoint a licensed attorney experienced in professional and general liability cases. This is a major relief for many wellness professionals who are not familiar with legal procedures.

You don’t need to scramble to find a lawyer or figure out a legal strategy. And you definitely won’t be handling complicated court processes by yourself. Your appointed attorney works on your behalf to handle all aspects of the defense, while our underwriters and claims team guide the process behind the scenes.

This way, you can continue to focus on your clients and business without being weighed down by the stress of dealing with a lawsuit. Our team ensures your defense is handled professionally from start to finish.

Step 4: Insurance Covers Legal Costs and Settlements

One of the biggest worries when a lawsuit arises is the financial impact. Thankfully, your beYogi policy is designed to address this. If your claim is covered, your policy pays for:

• Legal defense costs
• Any settlements negotiated on your behalf
• Court judgments up to your $2 million per occurrence limit

Your appointed attorney submits their fees and expenses directly to the insurance carrier, so you are not responsible for paying out of pocket. If the case goes to trial or a settlement is reached, the carrier handles the payment within your policy limits.

This protection is exactly why professional liability insurance exists: to cover situations you cannot control and reduce the financial and emotional burden on you.

What You Should Do

While beYogi takes care of your defense, there are a few important steps you should follow to protect yourself and your coverage:

• Report the claim immediately. Waiting can jeopardize your protection.
• Provide all requested documentation. This ensures your attorney and the carrier have everything needed to manage the claim effectively.
• Cooperate fully with the claims process. Keep communication open with your appointed attorney.
• Avoid admitting fault or discussing the claim with anyone outside of your attorney. Even casual comments can complicate your case.

These actions may seem simple, but they make a huge difference in how smoothly your claim is handled and the likelihood of a favorable outcome.

How beYogi Supports You

Having insurance with beYogi means you have a partner who understands the risks that come with running a wellness business. Here’s exactly how we support you:

• Guide you through reporting the claim quickly and accurately
• Answer your questions about policy coverage and the claims process
• Appoint experienced counsel to defend your case and handle all legal procedures professionally.

With beYogi, you are not facing a lawsuit alone. We coordinate with your attorney and the insurance carrier to manage the process, so you can focus on your clients and your practice.