Yoga Journal Benefits Plus: Liability insurance and benefits for yoga teachers

	Benefits for Facilities (Business Associates) Benefits Plus is the first and only liability insurance and benefits package to support yoga teachers and facilities with the business of yoga. In addition to low-cost liability insurance, membership currently includes Yoga Journal magazine and discounts on YJ conferences, directory listings, books, DVDs, and other yoga media—benefits that help you stay connected to the larger yoga community. Benefits Plus will continue to grow and offer more benefits throughout the year.
	• Low-cost liability insurance • Yoga Journal Magazine • Discounted online and print yoga directory listings • Discounts on Yoga Journal conferences	• Reseller discounts on Yoga Journal products • Health care programs with Amacore Group • Special rates with MINDBODY Online • Free downloadable teacher resources

Low-Cost Liability Insurance
Below is a list of some the important benefits that you, as a yoga/fitness facility owner, receive with Fitness and Wellness Insurance:

Special rates for part-time yoga/fitness instructors and part-time employees of yoga/fitness studios.
High liability-coverage limits, up to $5 million aggregate per policy period per insured. (Most insurance programs have aggregate limits of $2 million or $3 million.)
Professional liability insurance included. This protects you against bodily injury claims arising from rendering or failing to render professional services as a yoga instructor. (For example, an injury resulting from an adjustment that pushes a student beyond his or her yoga fitness level.)
Online administration. Transact claims, add additional insureds, and request insurance certificates for your landlords by visiting yogajournalfwi.com.

Description of Insurance Terms, Limits, and Coverage
Fitness and Wellness Insurance offers specialized insurance programs. Here are some brief descriptions:

Basic coverage provides $2 million per occurrence; $4 million aggregate limit.
Commercial general liability provides premises protection for claims arising from the facilities you own, lease, or occupy.
Miscellaneous professional liability protects against bodily injury arising out of rendering or failing to render services.
Personal injury liability protects you against suits involving libel, slander, or wrongful invasion of privacy.
Sexual abuse liability provides $100,000 per occurrence; $300,000 aggregate limit. Product liability provides $1 million aggregate limit.

Several other plans are also available. To download an application and apply today, click here.

For additional information, please visit yogajournalfwi.com or call (800) 395-8075.

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Two One-Year Subscriptions to Yoga Journal
Essential reading for yoga teachers and studio owners, Yoga Journal is published eight times a year and covers all aspects of the practice. Your subscriptions also include the annual Yoga Directory, a guide to more than 1,000 yoga resources and a national listing of yoga instructors. If you are already a Yoga Journal subscriber, Benefits Plus extends your existing subscription or subscriptions by one year.

*A one-year subscription to Yoga Journal is valued at $15.95. If you do not wish to receive a subscription to Yoga Journal, you can obtain a $15.95 refund by by calling (866) 897-7826 or going to www.yogajournal.com/benefitsplus_refund/. Memberships take 4 to 6 weeks to process, and your refund requests may also take 4 to 6 weeks to process. For other questions, contact Sarah Kleinman at skleinman@yjmag.com or (415) 591-0555, ext 153.

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$35 off a Yoga Journal Directory Listing (worth up to $140/year)
As a Benefits Plus member, you're entitled to $35 off two listings in yogajournal.com's Online Directory and $35 off two print listings in Yoga Journal's Annual Directory (maximum total discount is worth $140). The Online Directory is available at http://www.yogajournal.com/directory/. Use the coupon code listed in your membership letter to redeem your discount or call the directory sales office at (800) 921-9642 for assistance.

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$50 off on Each of Two Tickets to the Main Conference at Any Two 2008–2009 Yoga Journal Conferences (worth up to $200/year)
Deepen your practice and your teaching! Join the nation's premier yoga magazine for conferences in San Francisco; Boston; Estes Park, Colorado; and Hollywood, Florida. Each conference features the world's leading yoga teachers from a wide spectrum of yoga traditions. 2008 faculty members include Baron Baptiste, Seane Corn, Ana Forrest, Richard Freeman, John Friend, Sharon Gannon, Gary Kraftsow, David Life, Dharma Mittra, Aadil Palkhivala, Shiva Rea, Rod Stryker, Patricia Walden, and Rodney Yee. Two individual teachers are each entitled to a $50 discount on up to two Yoga Journal conferences during a year of coverage, for a total discount worth up to $200 for two attendees.

This offer applies to Main Conference tuition ONLY.
This discount is valid as long as space is available. For more information on each conference or to register, visit http://www.yjevents.com.

Upcoming Conferences

San Francisco, CA • January 18–21, 2008
Boston, MA • May 16–19, 2008
Estes Park, CO • September 21–28, 2008
Hollywood, FL • November 14–17, 2008

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40% Off Yoga Journal Products with Membership in ShopYJ's Exclusive Reseller Program
Top-rated yoga DVDs, videos, books, and calendars from the editors of Yoga Journal are available to Benefits Plus yoga facility members for resale at a 40% discount. This includes the award-winning Step-by-Step video and audio series, popular with both students and teachers as learning and instructional guides; and Yoga Journal's beautiful calendars, great for yoga gift-giving. With no minimum order quantity, this benefit is a no-risk tool for growing your business today. Best of all, www.shopyj.com is open 24 hours a day, seven days a week!

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Health Care Programs with Amacore Group
Enjoy access to a range of health care programs to meet your medical needs and provide you with the peace of mind you've been looking for. Plans that include vision, dental, discount prescriptions, doctor visits, hospital stays, intensive care, and surgical benefits are all available at affordable monthly rates. Whether you have a pre-existing condition that limits your major medical coverage options or you are looking to supplement existing coverage, Amacore can provide you with the security you deserve. Yoga Journal is proud to offer three discount health programs, each with added limited benefit insurance as an added membership benefit.

Health Advance Basic
This program offers savings of 5% to 50% on physician, hospital, dental, vision, prescription drugs, hearing and chiropractic services. As an added bonus, members will receive the following limited benefit insurance under the Group Accidental Death and Dismemberment and Medical Care Insurance Policy as an added benefit of your membership featuring: Accident Medical/Dental Expense benefit of $1,000 maximum; and Accidental Death and Dismemberment Insurance of $5,000 maximum. Click here for more information and insurance disclosures or call (866) 915-1153 to enroll today.

Health Advance Platinum
This program offers savings of 5% to 50% on physician, hospital, dental, vision, prescription drugs, hearing and chiropractic services, plus much more. As an added bonus, members will receive the following limited benefit insurance under the Group Accidental Death and Dismemberment and Medical Care Insurance Policy as an added benefit of your membership featuring: Accident Medical/Dental Expense benefit of $2,500 maximum; Accidental Death and Dismemberment Insurance $15,000 maximum; Accident Disability insurance of $1,000 a month; Daily Hospital Confinement of $50 a day; and Doctor's Office Visits benefits. Click here for more information and insurance disclosures or call (866) 915-1153 to enroll today.

SmartHealth Diamond 250
This program offers savings of 5% to 50% on physician, hospital, dental, vision, prescription drugs, hearing and chiropractic services, plus much more. In addition, members will receive the following limited benefit insurance under the Group Accidental Death and Dismemberment and Medical Care Insurance Policy as an added benefit of membership featuring: Accident Medical/Dental Expense benefit of $1,000 maximum; Accidental Death and Dismemberment insurance of $2,500 maximum; Accident Disability insurance of $250 a month; Daily Hospital Confinement of $250 a day; ICU of $250 a day; Surgery; Ambulance benefit; and Doctor's Office Visits benefits. Click here for more information and insurance disclosures or call (866) 915-1153 to enroll today.

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25% off MINDBODY Online Set-up
Get back to your practice and clients by losing day-to-day administrative hassles and increasing your staff efficiency with MINDBODY Online’s worldwide management system. Trusted by more than 2,500 clients in 38 countries, MINBODY Online will increase your revenue and simplify your life by allowing you to send your clients automatic email notifications regarding appointment and class modifications, instructor changes, payment renewal, scheduled payments, and much more. Set-up includes unlimited basic training from MINDBODY Online’s technical support staff, through private one-on-one appointments or group Web appointments that get you and your staff up to speed! Call MINDBODY Online today and receive a personal demonstration on how MINDBODY Yoga can increase your profits and help you effortlessly manage your business. For more information, visit www.mindbodyonline.com or call (877) 755-4279.

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Free Downloadable Teachers Resources
As a Benefits Plus member, you're entitled to download these free valuable resources to use in your teaching and for your business:

Beyond the Studio: An extensive guide on how to plan a retreat, including the nuts and bolts of choosing a location, selecting the amenities, planning the program, advertising, marketing, and assessing your success.

Healthy Shoulders: Illustrated instructions on how to teach a shoulder sequence that will open the heart center, draw the shoulder blades down the back, and bring the head back into neutral.

Easing Depression: An illustrated primer on sequencing a class, followed by a routine to help students ease depression.

Accounting Tips for Teachers: Learn the tax benefits of being an independent yoga teacher.

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Feedback and inquiries: benefitsplus@yogajournal.com

*Formerly CYTA Insurance Program