Insuring Yoga Studios

Philadelphia Insurance Companies subscribes to the belief that fitness
is a key ingredient to wellness and a healthy life. Because we practice
fitness in our lifestyle and have specialized in this growing industry,
we understand how to provide broad form yoga studio coverage
across the United States.

10 Reasons to Choose Philadelphia Insurance Companies for Yoga Studios

1. General and Professional Liability with limits of $2,000,000 per incident and $4,000,000 aggregate
(higher limits available)
2. Over 20 years of experience insuring Yoga Instructors and Yoga Studios
3. Coverage available for the majority of Yoga styles and arts – including Bikram Yoga
4. Coverage included for yoga instructors teaching off premises
5. Customer service call center available to address all policyholder concerns
6. Coverage for contracted instructors and day nursery exposures included
7. Abuse and Molestation coverage included
8. Business Income/Extra Expense limit of $100,000 included as part of our Elite Property Form
9. Property coverage afforded for Automatic External Defibrillators (AED) – $5,000
10. Interest-free installments available

Key Benefits

General and Professional Liability
• Comprehensive General Liability and Professional Liability –
Limits to $2,000,000 each occurrence/$4,000,000 aggregate (higher limits available)
• Coverage for the majority types of Yoga Styles and Arts - including Bikram Yoga
• Coverage extended to contracted professionals
• Coverage for day nursery exposures included
• Abuse and Molestation coverage included

Property
• Property coverage afforded for Automatic External Defibrillators (AED) - $5,000 limit
• Special Causes of Loss coverage on buildings, contents, business income and extra expense
• Coverage extended to include property of customers in your care, custody or control - $10,000
• Coverage for outdoor pools and court surfaces
• Spoilage - $25,000
• Signs (attached or unattached) - $25,000
• Precious metals, including trophies - $5,000
• Business income and extra expense - $100,000
• Pollutant clean–up and removal - $25,000

Automobile
• Owned auto
• Hired and non-owned auto
• Hired car physical damage
• Rental Reimbursement for private passenger vehicles

Crime and Fidelity
• Theft, Disappearance and Destruction - $10,000
• Forgery or Alteration
• Employee Dishonesty

Umbrella/Excess Liability
• Limits up to $15,000,000 available

Bell Endorsement
• Includes $25,000 limits each for Identity Theft Expense, Terrorism Travel Reimbursement,
  Emergency Real Estate Counseling Fee, Temporary Meeting Space Reimbursement,
  Image Restoration and Counseling, Donation Assurance, Business Travel and $50,000
  limits each for Kidnap Expense and Key Individual Replacement Expenses

Crisis Management Enhancement Endorsement
• $25,000 limit for crisis management emergency response expenses incurred because of an incident giving rise to   a crisis

Loss Control Services
• Product specific web-based loss control solutions through www.losscontrol.com
• Free On-line interactive Defensive Driver Training course and examination
• Regular E-Flyer communications on current Loss Control issues and Large Loss Lessons Learned
• Strategic partnership with best in class vendor for discounted background & motor vehicle record (MVR) checks