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?
No, you cannot. beYogi Insurance Plus provides individual liability coverage. Each yoga teacher is responsible for her or his own policy.
Can my policy be listed under my business' name?
Since we offer personal liability insurance, the policy must be listed under your name—but, as a sole proprietor, your business is also covered. If you are the owner of a corporation or partnership, you may add your business as an additional insured.
What is not covered by my policy?
beYogi Insurance Plus does not cover invasive practices—including acupuncture, colonic educators, herbal counseling, and use of T-bars. Your policy will not cover charges of sexual harassment, or the transmission of HIV or an STD.
What should I do if I have a claim?
Call beYogi Insurance Plus at (800) 516-8822 to report the event as soon as you can. Our insurance team will send you a claim form to complete.
What do the phrases "per occurence" and "individual annual aggregate" mean?
Per occurrence means the maximum amount of coverage available to you for each individual incident resulting in a claim. beYogi Insurance Plus offers $2 million of liability coverage per occurrence, or per single claim.
Individual annual aggregate is the maximum amount of coverage available to you for all incidents that occur during the course of a policy year. We offer an individual annual aggregate of $3 million. In other words, you have $3 million of liability coverage available to you per year.
Am I still covered after I've stopped teaching?
We offer occurrence coverage, meaning you are still covered for claims filed after your insurance expires, as long as the incident in question occurred while your policy was active. Let’s say your policy expires on June 1, and you do not renew, as you’re no longer teaching yoga. You will still be covered for any claim filed after your expiration date, so long as the actual incident happened on or before June 1—when you were covered.
What happens if I lose my confirmation of coverage?
If you misplace your proof of insurance, simply call beYogi and we’ll send you a new copy, free of charge! But try to keep this document in a safe place.
Can I cancel my insurance and get a refund?
We cannot refund your policy. Once you enroll, you instantly enter the system and receive your insurance certificate via email.
We understand the privacy interests of our clients, and we firmly believe in protecting those interests.
- Acquisition of Information. We do not acquire any more information about our clients than is required by law or is otherwise necessary to provide a high level of service.
- Our Employees and Privacy. We train our employees about the importance of privacy. We give access to information about consumers only to those employees who require it to perform their jobs effectively.
- Security Measures. We make access to privacy-sensitive information consistent with legal requirements, subject to rigorous technological controls, and the demands of customer service.
- Disclosure to Third Parties. We will provide individually-identifiable information about consumers to third parties only if we are compelled to do so by order of a legal authority, we have the express consent of the consumer, or it is necessary to provide services to our clients.
When does my coverage take effect?
You will receive immediate coverage and proof of insurance once your transaction goes through.
Where am I covered?
Your beYogi Insurance Plus insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.
What is an additional insured?
Your employer or landlord may require you to list them on your policy as an additional insured. When you add an additional insured to your coverage, you give that person (or entity) legal claim on the benefits paid under the general liability portion of your policy to the extent they suffer a loss.
We charge $10 per additional insured.
Do you cover the instruction of all listed modalities?
As long as the modality is covered by our program, the teaching of that modality is likewise covered. For example, you are covered both for practicing massage therapy and for teaching massage therapy.
Is there a limit on class size?
Nope! There is no restriction on the size of your classes or the number of hours you teach.
Is there an extra charge for practicing multiple health and wellness disciplines or yoga styles?
Nope! Your policy covers more than 350 health and wellness modalities and techniques—all at no extra cost.
What if my style of discipline is not listed on your site?
Contact the beYogi team at (800) 516-8822. We’ll speak to our underwriters and let you know if we are able to cover it.
Does my policy cover medical expenses?
Yes! There is no limit assigned to medical expenses on your insurance certificate because they are covered by your general liability insurance. These expenses are thus included in the policy limits of $2 million per occurrence and $3 million individual annual aggregate.
What's included in the identity protection plan?
The Identity Protection Plan powered by Identity Fraud, Inc. provides important protection and assistance for any type of identity theft. If you have a question about fraud or become a victim, the primary benefit is having VRS Elite Unlimited, which provides unlimited access to certified fraud victim resolution professionals that will help resolve your case, whether it is simple or complex. In addition, you have access to their Keystroke Encryption Software, Lost Wallet service, the IFI Loss Prevention and Resource Guide, Discounts on Upgrades, Opt-Out service support and $25,000 of identity insurance with a $0 deductible to provide extra peace of mind and financial protection. To obtain discounts on enhanced protection, simply visit https://my.identityfraud.com and use the Promo Code: MMIP20 to obtain a 20% continuous discount.
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.