Yoga Instructors - Academic Health Plan

This insurance program has been specifically designed to meet the unique needs of a U.S.-based yoga instructor directly supervising an individual or group engaged in fitness and exercise activities. Program costs start as low as $75 for part-time (20 hours or less) and $105 for full-time certified instructors teaching yoga only. Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company

Eligible Operations

A U.S.-based instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program:
-	Acrobatic/partner yoga	-	Iyengar
-	Aerial/anti-gravity/suspended yoga	-	Jivamukti
	(certified instructors only)	-	Kripalu
-	Ananda	-	Kundalini
-	Anusara	-	Mysore
-	Ashtanga	-	Power
-	Dharma	-	Prenatal & Postnatal
-	Forrest	-	Restorative
-	Hatha	-	Sivananda
-	Hatha Flow	-	Vinyasa
-	Hot yoga	-	Yin



Ineligible Operations:
Certain operations are not eligible for coverage by this program. We reserve the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):
-	Certified athletic trainers	-	Instruction of sports skills activities*
-	Coaching of organized competitive athletic teams	-	Instructors under the age of 18
-	Fitness instruction other than YOGA (unless the optional	-	Instructor's employment as an exempt or non-exempt
	coverage for instruction of other types of fitness instruction		employee of a school, university or college
	is purchased)

* If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program.


Liability Coverage

General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your fitness instruction activities. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of fitness activities) that occur as a result of your instruction activities. Coverage includes incidental virtual training provided by you (the named insured) to your clients. The intention of the policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public. We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training. Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities. We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

General Liability

Bodily Injury & Property Damage

Professional Liability

Products-completed Operations

Damage to Premises Rented to You

Personal and Advertising Injury

Medical Expense (other than participant)

-	Legal Liability to Participants	-	Abuse, Molestation, Harassment or Sexual Conduct
			Defense Cost Reimbursement

Exclusions

The following exclusionary endorsements are part of the policy providing coverage for this program:

-	Abuse, molestation or exploitation	-	Physicals/stress testing
-	Any adult-themed parties/meetings/trips, including but not limited	-	Physical therapy, massage or salon services
	to parties/meetings/trips during which demonstration of products	-	Sale or distribution of herbal medicinal and/or
	and/or services are used in the adult entertainment industry		nutritional products
	takes place	-	Sexually transmitted diseases
-	Asbestos	-	Silica or silica-related dust
-	Cap on losses from certified acts of terrorism	-	Specified recreational vehicles and activities - Aircraft/hot air
-	Commercial general liability standard exclusions		balloon, Airport, Amusement devices: The ownership, operation,
	(CG0001 4/13 edition)		maintenance or use of any device or equipment a person rides
-	Communicable diseases		for enjoyment, including, but not limited to: mechanical or
-	Cryogenic chambers/therapy		non-mechanical ride, slide or water slide (including any ski or
-	Cyber incident, data compromise and violation of statutes		tow when used in conjunction with a water slide), inflatable
	related to personal data		recreational device, or vertical device or equipment used for
-	Cycling (other than stationary)		climbing whether permanently affixed or temporarily erected.
-	Employment related practices		This exclusion does not apply to video games or computer
-	Fireworks		games or to any device that is specifically designed for the
-	Fitness/exercise operations related in whole or part, to perform		training or instruction of an activity for which you are enrolled,
	as an exotic dancer or any similar occupation in the adult		Animal, Bungee, Dunk Tank, Haunted attractions, Performer,
	entertainment industry		Rodeo, Saddle animal, Snowmobile
-	Fungi or bacteria	-	Those operations listed as ineligible
-	Instruction/activities held on or in open water	-	Total pollution with a building heating, cooling & dehumidifying
-	Lead		equipment exception and hostile fire exception
-	Medical, therapy or health care services	-	Training programs for law enforcement, public safety and
-	Nuclear energy		military personnel
-	Operation, ownership or management of a fitness, dance or	-	Unmanned aircraft
	sports facility