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 • Individual Disability Insurance from Northwestern Mutual • Save 15% on all Yoga Mat and Equipment Purchases at Yoga Direct • 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 nine 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 (888) 318-9642 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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Up to $90 off a Yoga Journal Directory Listings
As a Benefits Plus member, you’re entitled to $20 off a listing in yogajournal.com’s online directory and $70 off a listing in Yoga Journal’s annual print directory. Online directory listings can be purchased year round by going to www.yjdirectory.com. The next version of the print directory will appear in the Jan/Feb 2010 Issue of Yoga Journal.
Sales for this print directory open July 1st and listings must be submitted no later than October 1st. Use the coupon code listed in your membership letter to redeem your discount for either of these listings, 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 16-19, 2009
Grand Geneva, WI • March 26-29, 2009
New York, NY • May 15-18, 2009
Estes Park, CO • September 20-27, 2009

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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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Individual Disability Insurance from Northwestern Mutual
Being out of the workforce – even for a short period of time – can be devastating financially especially if you are in an industry where your body is your tool. Disability coverage can give you resources and options to deal with a disability in the best way possible. Income items, such as pension and/or profit sharing contributions, deferred compensation, commissions, and bonuses, may be included in insurable income, providing coverage that more closely matches your financial need. These individually designed coverage plans also help replace the loss of earned income with …

• Benefits Payable for total and partial disabilities
• Choices of various beginning dates and maximum benefit periods
• Benefits that can be indexed for inflation
• Options available to purchase additional coverage as your income/needs increases
• Various plan designs providing personal as well as business protection

For more information visit www.yogajournal.com/disability or call 415.733.6736

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Save 15% on all Yoga Mat and Equipment Purchases at Yoga Direct
YogaDirect.com is a premier source for all your Yoga Mat and Prop Equipment needs. With friendly expert customer support, customized wholesale programs, and timely and efficient shipping YogaDirect.com is a one stop shop for yoga teachers. With the extra 15% discount available to Benefits Plus members YogaDirect.com will help you build your studio without breaking the bank. To find out more visit: www.YogaDirect.com - Use the coupon code listed in your membership letter to redeem your discount.

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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:

NEW! Marketing 101 for Yoga Teachers. Learn how simple, inexpensive marketing techniques can boost your class numbers and elevate your career.

NEW! Storytelling: Your Yoga Class is a Story. As yoga teachers, we can use some techniques of narrative art to sharpen our teaching. When we are engaged and excited, so are our students.

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