Your Go-To Guide for Yoga Insurance

Find answers to all of your questions about yoga liability insurance—whether you’re asking yourself what all of this insurance jargon really means or wondering if you’re covered by our program. Simply click on one of the tabs below to get started!

Frequently Asked Questions About beYogi Insurance Plus

Can I add my employees or spouse to my insurance policy?

Can my policy be listed under my business' name?

What is not covered by my policy?

What should I do if I have a claim?

What do the phrases "per occurence" and "individual annual aggregate" mean?

Am I still covered after I've stopped teaching?

What happens if I lose my confirmation of coverage?

Can I cancel my insurance and get a refund?

What is your privacy policy?

When does my coverage take effect?

Where am I covered?

What is an additional insured?

Do you cover the instruction of all listed modalities?

Is there a limit on class size?

Is there an extra charge for practicing multiple health and wellness disciplines or yoga styles?

What if my style of discipline is not listed on your site?

Does my policy cover medical expenses?

What's included in the identity protection plan?

Glossary of Insurance Terms

  • Additional Insured: a person or entity added to the certificate of insurance who is protected from the named insured’s negligence; this is typically an employer or landlord.
  • Aggregate Limit: the maximum amount of coverage available to a policyholder during the policy term; this limit is dependent on a period of time rather than an individual claim.
  • Broker: an independent insurance firm or contractor who searches the marketplace in the interest of buyers, rather than insurance companies.
  • Claims-Made: a form of insurance that only covers policyholders for claims filed while the policy is active; if an incident occurs during the policy term but is not reported until after the policy expires, it will not be covered.
  • Deductible: the amount of money (loss) that a policyholder has to pay before their insurance takes effect.
  • General Liability Insurance: insurance that protects the policyholder in the event that a client trips, falls and suffers an injury while on their property; this coverage applies to claims resulting from personal injury, bodily injury or damage to others’ property, and is often called “trip and fall” insurance.
  • Identity Theft Protection: coverage that reimburses the insured for expenses arising from identity fraud.
  • Individual Aggregate Limit: the total amount of coverage available to an individual policyholder during the policy year; this limit only applies to one person and is not impacted by claims filed against others.
  • Occurrence Form: a policy form that covers the insured for any claims filed during or after the policy term, as long as the actual incident in question occurred while the policy was active.
  • Product Liability Insurance: insurance that protects the policyholder in the event that a product used during a client session injures or affects the client in a negative way.
  • Professional Liability Insurance: insurance that provides protection against lawsuits claiming negligence, misconduct or incompetence on the policyholder’s behalf; also called malpractice insurance.
  • Shared Aggregate Limit: the maximum amount of coverage available to all individuals insured under the same shared-limit program or master policy; this amount decreases every time a claim is paid on behalf of an individual policyholder.
  • Qualifying Event: an incident that triggers coverage for an insured individual.
  • Rental Damage Insurance: coverage that protects the insured from accidental damages to property rented by the insured; this applies to any space that a professional rents or leases for their practice, from the dry wall in.
  • Stolen Equipment Insurance: coverage designed to protect the policyholder from equipment theft or damage due to fire, water, etc.; covers the cost of replacing the stolen or damaged piece of equipment used in one’s business, but does not cover damages due to wear and tear or misuse.
  • Underwriter: the insurer, or financial service provider, who evaluates the risks of insuring an individual or asset, determines the policy rates and sets the limits of coverage.

Insurance Help Center

Still have questions about our program or liability insurance in general? No worries! The beYogi tribe is available Monday through Friday, from 8:30 AM to 5:30 PM ET. And we have an after-hours line, too! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.

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