Yoga insurance

Information on yoga teacher's insurance that I researched recently. Each individual may have specific needs and should call for specifics if they see a provider that appeals to them.

1. Health Providers Service Org (1-800-982-9491)
Coverage: $1M per occurrence / $3M aggregate
- No deductible
- Professional liability coverage
- Personal Injury coverage
- $500 / $10K property damage
- $2K / $100K medical expenses
- NO sexual abuse liability coverage
- Disability insurance option available separately
Proof of certificate or license required (Yoga Alliance accepted. If not Yoga Alliance, you may submit other certificate to HPSO for review)
Required HPSO dues: $1.00 (one dollar)
Full-time annual rate: $150.00
Part-time (teach less than 24 hours/week) rate: $100.00
Underwriters: American Casualty Company of Reading, Pennsylvania, a CNA company

2. Fitness and Wellness Insurance (1-800-395-8075)
*NOTE: Yoga Journal Benefits Plus and NAMASTA use Fitness and Wellness Insurance; coverage outlined below. You can get the same F&WI as a member of Yoga Alliance, Kripalu Yoga Teacher's Association, Integral Yoga Teachers Association, Iyengar Yoga National Association of the United States and others found on www.fitnessandwellness.com
Coverage: $2M occurrence / $4M aggregate
- No Deductible
- Professional liability
- Personal Injury
- $100,000 property damage
- $2500 medical expenses
- $100K / $300K sexual abuse liability
NO Occupational accident insurance option available. It is stated on their PDF files online, but I called and spoke directly and was told it is no longer available. Call your membership organizations for other disability insurance options.
Additional costs: Must be a member of one of above mentioned organizations. (i.e. NAMASTA dues are $99, Yoga Alliance is $55 for basic RYT).
No proof of certificate required (but may be required by membership organizations)
Full-time rate: $205/year
Part-time rate (teach less than 6 (six) hours a week): $145
Underwriters: Philadelphia Insurance Company

3. Yoga Journal's Benefits Plus (Fitness and Wellness Insurance)
Coverage outlined in F&WI above except disability insurance from Northwestern Mutual option available separately.
Required Benefits Plus annual dues: $55 (see Yoga Journal online for list of benefits)
Fitness and Wellness insurance "discount" rate: $185/year (less $15.95 if you decline the subscription to Yoga Journal)
Part-time rate (teach less than 6 (six) hours a week): $125
No proof of certificate required.

4. Sports and Fitness Insurance Corporation (800-844-0536)
Coverage: $1M occurrence / $3M aggregate (call for pricing and sub-limits ranging from 500K / $1M to $2M / $3M )
- No deductible
- Professional liability
- Personal injury
- Property damage
- $10K “no fault” coverage on medical expenses
- $100K/$300K sexual abuse liability
Occupational accident insurance option available separately
Proof of certification NOT required to get insurance. Will be required if a claim is filed against you
Insurance rate: $200
No Part-time rate
Underwriters: Liberty Mutual

5. Venbrook Insurance (800-991-3080)
Coverage: $1M occurrence / $3M aggregate - (call for pricing and sub-limits on options up to $2M / $5M)
- No deductible
- Professional liability
- Personal injury
- Property damage
- $2500 medical expenses
- $100K/$300K sexual abuse liability
No disability insurance option available
No certification or membership required
Insurance rate: $210
No part-time rate
Underwriters: Philadelphia Insurance Company