Yoga Journal has partnered with Fitness and Wellness Insurance to provide yoga teachers and facilities with access to affordable liability insurance. An affiliate of Philadelphia Insurance Companies, Fitness and Wellness Insurance has more than 15 years of specialized experience working to meet the insurance needs of yoga and fitness professionals. Fitness and Wellness Insurance subscribes to the belief that fitness is a key ingredient to wellness and a healthy life. Because we practice fitness in our lifestyle and have specialized in this growing industry, we understand how to provide broad form yoga instructor coverage across the United States.
10 Reasons to Choose Philadelphia Insurance Companies for Yoga Instructors
- General and Professional Liability
- Over 20 years of experience insuring Yoga Instructors and Yoga Studios
- Coverage available for the majority of Yoga styles and arts – including Bikram Yoga
- Coverage for contracted professionals included
- Coverage included for yoga instructors teaching at a yoga retreat
- Abuse and Molestation coverage included
- Coverage for special events available
- User friendly online application
- Customer service call center available to address all policy holder concerns
- Coverage available in all states
Key Benefits & Coverage Highlights
General and Professional Liability
- Comprehensive General Liability and Professional Liability
- Over 20 years of experience insuring yoga individuals and yoga studios
- Coverage available for the majority of yoga styles and arts – including Bikram Yoga
- Coverage included for yoga instructors teaching at a yoga retreat
- Customer Service Call Center available to address all policy holder concerns
- User friendly online application
Loss Control Services
- Product specific web-based loss control solutions through www.losscontrol.com
- Regular E-Flyer communications on current Loss Control issues and Large Loss Lessons Learned
- Strategic partnership with best in class vendor for discounted background & motor vehicle record (MVR) checks
Document Required for Proposal
- Online Yoga Individual Application Service
- Clients are serviced by our home office staff as well Fitness and Wellness Insurance Carrier
- These coverages are underwritten by Philadelphia Insurance Companies, rated A+ (Superior) by A.M. Best.
- Nationally recognized as a member of Ward’s Top 50. Forbes Magazine has recognized the Companies as one of the 400 Best Big Companies in America
All coverages underwritten by Philadelphia Indemnity Insurance Company. Coverage is subject to underwriting review and actual policy wording. Coverage may not be available in all jurisdictions. Questions? (877) 438-7459
Going beyond mere words of solace, Sadhguru imparts the yogic sciences, empowering individuals to transform their lives and take their destiny into their hands.
Sadhguru embodies all paths of yoga kriya (energy), bhakti(devotion), gnana (knowledge), and karma (action) which allows him to mix the ‘right cocktail’ for each individual, who is a unique combination of these four. So whether it is a villager of rural India or a corporate chief executive, Sadhguru is available to every human being.
Sadhguru has often said that ‘society is overripe for a spiritual process’, because despite today’s technological advances, which have bestowed much of humanity with luxuries and comforts, most human beings still remain in search of wholeness and purpose in their lives. Over the last three decades, Sadhguru has worked ceaselessly towards revitalizing the ancient spiritual sciences that have formed the fabric of India’s cultural ethos.
It is Sadhguru’s vision to offer one-drop of spirituality to every human being, to ensure that each individual can experience the deepest core of life within.
Founder of Isha Foundation
Sadhguru is also the founder of Isha Foundation, a non-profit organization dedicated to the wellbeing of the individual and the world for the past three decades. Isha Foundation does not promote any particular ideology, religion, or race, but transmits inner sciences of universal appeal.
Sadhguru has initiated several projects for social upliftment, education, and environment through which millions of people in rural India have been given the means and methods to overcome poverty, improve their quality of life, and achieve community-based, sustainable development.
He has founded Isha Outreach, the social development branch of Isha Foundation, with the vision to empower the deprived sections of society towards improved health, education, and environmental wellbeing. The three vehicles of Isha Outreach are Project GreenHands (PGH), Action for Rural Rejuvenation (ARR), and Isha Vidhya, which provide an interconnected and comprehensive approach to transform the lives of the rural poor.
Sadhguru’s inclusive and holistic approach to current issues andworld affairs has impressed some of the most educated and skeptical minds on the planet. Sadhguru is regularly invited to speak at major global conferences such as TED, the Millennium World Peace Summit (UN), and the World Economic Forum (Davos). He has also been a special invitee to the Tallberg Forum, and has given talks on inclusive and responsible leadership at the Australian Leadership Retreat, the World PresidentsOrganization and the Young Presidents Organization.
Philadelphia Insurance Companies (PHLY) is the marketing name for all subsidiary insurance businesses owned by the Philadelphia Consolidate Holding Corporation. PHLY is a member of Tokio Marine Holdings, Inc., a multinational insurance holding company based in Tokyo, Japan.
The company was founded in 1962 by James J. Maguire, Sr. and was originally known as the Maguire Insurance Agency.
In its beginnings, the Maguire Insurance Agency specialized in automobile insurance products. In 1969, the agency initiated its first national program with Chevrolet dealers. It expanded from one to 15 offices shortly thereafter.
After changing its name to PHLY in 1987, the company began offering liability insurance to social service agencies, as well as health and fitness organizations. In 2008, Founder Maguire began the process of merging PHLY with the Tokio Marine Group.
Today, PHLY offers personal, commercial property/ casualty, and professional lines of insurance to various niche markets, including the health, fitness and wellness industry. Although headquartered in Bala Cynwyd, PA, the corporation currently maintains 46 offices around the United States.
Fitness and Wellness Insurance Program
PHLY’s health and wellness division includes programs like Fitness and Wellness Insurance (FWI), Yoga Journal Insurance and IDEA Health & Fitness Association.
While Yoga Journal offers insurance exclusively to yoga instructors, FWI offers professional liability insurance to personal and group fitness trainers, Pilates instructors, dance teachers, martial arts teachers, and other fitness professionals.
FWI’s Pilates insurance program includes professional and general liability insurance, $1,000,000 per occurrence and $3,000,000 aggregate; sexual abuse liability, $100,000 per occurrence and $300,000 aggregate; product liability insurance, $1,000,000 aggregate; $2,500 medical payment coverage; and $100,000 damage to premises coverage. Higher limits are available upon request.
In order to purchase FWI insurance, individuals are required to become members of the IDEA Health & Fitness Association. Because of this, the program costs $294 per year.
For only $159 per year, fitness and wellness professionals may purchase an Insurance Plus policy and receive the same comprehensive coverage at a lower cost. These individuals will also receive access to all of our Plus benefits, including a complimentary business website, exclusive member discounts, stolen equipment coverage, and more!
To learn more about Insurance Plus, call: Or click here to apply for insurance.
Standard pricing and limits are as follows. The limit of coverage is $2 million per occurrence and up to $4 million aggregation. Please note that the final premium is subject to state of residence, selected insurance limits, and specific program affiliation pricing.
- Part time yoga instructors (who teach less than 6 hours per week) pay a total of $190 per year which includes $125 insurance and $65 TeachersPlus membership.
- Full time yoga instructor (who teach 6 hours or more per week) pay a total of $250 per year which includes $185 insurance and $65 TeachersPlus membership.
- Yoga studio prices depend upon a variety of factors (fill out this survey) plus $100 TeachersPlus membership.
It’s time for you to start taking the business of yoga more seriously and to adopt some of the legal protections that other health professionals already use. Avoid the threat of getting sued and protect your business with yoga liability insurance today.
How Much Does TeachersPlus Insurance Cost?
Part Time Yoga Instructors (Less than 6 hours per week)
Insurance $125 + TeachersPlus Membership $65 ($1,000 Value) = $190
Full Time Yoga Instructors (More than 6 hours per week)
Insurance $185 + TeachersPlus Membership $65 ($1,000 Value) = $250
Yoga Studios & Facilities
Yoga studio insurance prices depend upon a variety of factors ( fill out this survey) + TeachersPlus Membership $100.
NOTE: TeachersPlus Membership can be canceled within 90 days of purchase if you choose to forgoe the benefits valued at $1,000. Email email@example.com with the date of purchase and the exact name as it appears on the credit card used.
Why Liability Insurance?
Over 15 million civil lawsuits are filed each year in the U.S. and unfortunately, more and more are frivolous. Professional liability insurance is a nominal investment every instructor should make in order to protect themselves against the threat of litigation.
While we at Yoga Journal know that you have great intentions teaching yoga, we also know that you need to protect yourself from claims regarding accidents and other occurrences that can happen in your class, whether at a yoga studio, in a client’s home, or while you’re on an international yoga retreat.
Below are 5 reasons why you need liability insurance:
1. Someone could sue you if he or she slips, trips, or falls in your class or studio space.
If a student were to slip and get injured in your class, a lawsuit could happen. Even without the ‘fault’ on your behalf, an individual could still hold you responsible for their injury. Without insurance, you’d be financially responsible for fighting the lawsuit. If you have the protection of liability yoga insurance, you could be covered.
2. You could be held liable if someone gets injured from your alignment or adjustment.
Injury resulting from the physical practice of yoga is a high risk. Although you might carefully choose your sequence and offer a variety of modifications with props, a student could still get injured and you, the teacher, could get sued. Moreover, a student could claim that you did something inappropriate in class, such as taught a pose with incorrect alignment or gave an unsafe/unwanted adjustment. Either way, you could be held liable.
3. The cost of one year of insurance is cheaper than a few hours with most lawyers.
The basic coverage from Fitness and Wellness is $250 for a full-time yoga teacher and $190 for a part-time teacher (who teaches less than 6 hours per week). However, the hourly wage for lawyers can range from $50 – $1,000 per hour. Therefore, for less than $0.55 per day, depending on the case, you could have support and up to $2 million dollars of coverage for a single occurrence.
4. You cannot buy coverage after a lawsuit occurs.
Sometimes individuals want to wait and see what happens. Unfortunately, this doesn’t always work for everyone. While yoga related lawsuits are relatively uncommon, if you are uninsured and happen to get sued, you cannot buy coverage after the loss occurs. Therefore, protecting yourself with yoga business insurance can keep you safe before anything happens.
5. Coverage follows you wherever you teach, even internationally and with children.
You’re covered whether you teach at a yoga studio, fitness center, recreation center, someone’s house, or all of the above. You are even covered on international trips up to 30 days and while you work with kids. Your Fitness and Wellness Liability policy follows you wherever you teach.
In the end, your students’ choices are out of your control. Regardless of how much you train and prepare to teach yoga, you cannot control your students’ behavior and choices during your classes. While yoga is not meant to be competitive, students often still push themselves, and sometimes too far. In some cases, students want to learn more and grow, other times it’s a lack of knowledge. Either way, don’t you want to protect yourself? We suggest you make the investment in yoga liability insurance ahead of time to secure your career and financial future. Get yourself insured today.
Liability insurance designed for:
- Personal Trainers
- Athletic Trainers
- Sports Conditioning Professionals
Personal trainer liability insurance policies cover liability and trip-and-fall claims wherever you are training clients: at clubs, in homes, at the YMCA, anywhere.
Get insured now!
- Personal trainer insurance options available for non-certified professionals.
- A++ rated Philadelphia Insurance Companies is one of the world’s largest insurance underwriters.
- Mark yourself as an ethical, serious and professional personal trainer by being properly insured.
General personal trainer insurance coverage
Personal Injury Liability Insurance for Personal Trainers covers you against claims concerning libel, slander, or wrongful invasion of privacy.
Miscellaneous Personal Trainer Insurance covers you against bodily injury claims arising out of delivering or failing to deliver services.
Higher Personal Trainer Insurance Limits Available
You can increase your personal trainer insurance limits of liability at very reasonable rates. Protecting yourself and your business assets has never been more important.
View all fitness insurance options
‘The Fitness and Wellness Insurance Program has provided us with excellent insurance coverage for over 12 years. As we have expanded our operations, they have met all our insurance needs.’
-Victor Brick IDEA Member since 1984 and CEO, Brick Bodies