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1. Is Benefits Plus available in Canada? We are looking info adding coverage for Canadians. Please check back periodically for news. [  Top ] 2. Why do I need liability insurance? Students can slip and fall, activate old injuries, move too quickly into poses, or push themselves too hard. And if they feel the instructor is to blame they may ask for payment for injuries and possibly loss of income. Proper training and prevention are key to running a safe class, and liability insurance is the back up. [ Top ] 3. What if I already have a subscription to Yoga Journal? If you already receive Yoga Journal, you can request to be refunded for the $15.95 cost of the magazine subscription at http://www.yogajournal.com/benefitsplus_refund/. If you do not wish to be refunded and simply wish to extend your current subscription, no action must be taken on your part. [ Top ] 4. I teach at a gym or yoga studio that has insurance. Why do I need to carry a policy as well? If you're teaching as an independent contractor, it's increasingly common for the studio, gym, or other facility that hires you to require that you have an individual policy of your own. Facilities that don't have this requirement because they have coverage can forget to renew regularly, or have exclusions that leave you unprotected. Having your own coverage is good risk management for anyone who runs their own business or classroom. [ Top ] 5. What if I teach at various locations? Fitness and Wellness' Liability Policy follows you wherever you teach. You're covered whether you teach at a yoga studio, fitness center, recreation center, someone's house-or at all of these. [ Top ] 6. Can I add the landlord as an additional insured to my insurance policy? Most of the places where you teach will ask to be named on your policy as an additional insured to avoid liability exposure from any incident due to your negligence. (Note that the landlord is still exposed for their own negligence.) The first ten additional insureds on your policy are free; other insurance companies may charge you. [ Top ] 7. Do I have to pay for substitutes who cover for me? You should always make sure the person who subs for you carries his or her own insurance. Your insurance program covers only the named individual on the policy: you. [ Top ] 8. What if I teach Pilates or do massage therapy? The program insurance rates assume that yoga is your main practice. You are still eligible for the insurance program if massage is a minor part of your business, or if you are doing mat Pilates, or you have Pilates machines. The rates may change subject to the additional services and equipment you offer. [ Top ] 9. What happens if I am teaching yoga part-time? Fitness and Wellness offers a special competitively priced part-time insurance rate for teachers who teach 5 or fewer hours per week. Call 1-800-395-8075 for rate information. [ Top ] 10. I renewed my insurance and forgot to renew Benefits Plus. How can I renew my membership? You can renew your Benefits Plus membership at: www.fitnessandwellness.com/RenewBP.aspx [ Top ] © Copyright 2008 Yoga Journal, LLC. All Rights Reserved. Read our privacy guidelines. Feedback and inquiries: benefitsplus@yogajournal.com *Formerly CYTA Insurance Program |
