Frequently Asked Questions

BENEFITS PLUS PROGRAM
PRICING
COVERAGE
ELIGIBILITY
POLICY INFO
RENEWALS
CONTACT

BENEFITS PLUS

Why do I need liability insurance?

Liability insurance protects yoga instructors against damages incurred or legal actions brought about by claimants as a result of the instructor's teaching duties. Click here for more information about this.

The gym or yoga studio where I teach has insurance and they have me covered. Why do I need my own insurance?

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.

What Benefits will I receive as a member of Benefits Plus?

Check out our current list of benefits here: http://www.yogajournal.com/benefitsplus/

Do I need to be a member of Benefits Plus to get insurance?

A membership to Benefits Plus is required to access Fitness & Wellness insurance program. Membership types vary depending on your business operations. Call customer service at 1-877-438-7459 for more details.

What is the difference between Fitness and Wellness and Philadelphia Insurance?

Fitness and Wellness is a member of the Philadelphia Insurance Group.

PRICING

What pricing is there for Fitness and Wellness?

Standard pricing and limits are as follows. Please note that the final premium is subject to state of residence, selected insurance limits, and specific program affiliation pricing.

Type	Limits	Price	Risk Purchasing Group Fee*	Benefits Plus Membership	Total
Yoga Instructors	$2M Occ / $4M Agg	$135	$50	$65	$250
Part Time Yoga (< 6 hrs/wk)	$2M Occ / $4M Agg	$75	$50	$65	$190

*What is the Risk Purchasing Group fee?

Risk Purchasing Group, also referred to as RPG, is a master/group policy that you are paying a fee to be part of at a reduced rate.

COVERAGE

What styles of Yoga does Fitness and Wellness insure?

Anusara
Ashtanga
Bikram
Forrest
Hatha
Iyengar
Jivamukti
Kripalu
Kundalini
Vinyasa

Where is an instructor covered?

Policy follows the instructor anywhere you teach in the continental USA and internationally for short business trips that do not exceed 30 days.

Does this policy cover me if I get injured?

No, this policy does not cover you if you get injured on the job. This is a liability policy that protects you from claims brought against you or your business for bodily injury or property damage arising out of your negligence.

Will my individual policy protect me if I open a studio?

No, if you open up a studio you would need to upgrade to a business policy. Your individual policy excludes leasing, renting or owning studios or having employees or independent contractors.

Will this policy cover me if I teach/train children?

Yes, our policy does not restrict age or gender of your students.

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.

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 insured on your policy are free; other insurance companies may charge you.

Do I have to pay for substitutes who cover for me?

Your individual policy covers only you and will not transfer to a substitute teacher. Your business policy will cover a substitute teacher. 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.

ELIGIBILITY

Is Benefits Plus available in Canada?

We are looking into adding coverage for Canadians. Please check back periodically for news.

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 6 or fewer hours per week. Call 1-877-438-7459 for rate information.

What styles of Yoga does Fitness and Wellness insure?

Anusara
Ashtanga
Bikram
Forrest
Hatha
Iyengar
Jivamukti
Kripalu
Kundalini
Vinyasa

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.

POLICY INFO

How do I get a copy of my policy?

To retrieve an online copy of your policy you must have a "My Phly Account". To set this up you need to go to www.phly.com. You must have your policy number and account number available. You can call customer service at 1-877-438-7459 to have a copy e-mailed to you.

How do I cancel my policy?

Send an email to custserv@phlyins.com with name, policy number and date of cancellation.

How do I upgrade to a business policy?

A business policy is a separate policy. You will need to complete the business application from the link on the website under, "Apply for Insurance".

RENEWALS

How do I renew my insurance?

Renewal processing can be done on the website by clicking the link to renew or you can send your payment in with your renewal notice.

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.

I renewed my Benefits Plus, where can I renew my insurance premium?

You can renew your insurance premium by clicking here.

CONTACT

BENEFITS PLUS QUESTIONS

Call us toll free
(877) 438-7459
M-F: 7:30 am - 5:00 pm

INSURANCE QUESTIONS

Call us toll free
(877) 438-7459
M-F: 7:30 am - 5:00 pm

YOGA JOURNAL SUBSCRIPTION QUESTIONS

Call us toll free
(877) 438-7459
M-F: 7:30 am - 5:00 pm

More insurance questions? Check out more FAQ's on the Fitness and Wellness website.