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This NEW insurance program has been specifically designed to meet the unique needs of a U.S.-based yoga instructor directly supervising an individual or group engaged in fitness and exercise activities. Program costs start as low as $75 for part-time (20 hours or less) and $105 for full-time certified instructors teaching yoga only. Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.Eligible Operations | | | A U.S.-based instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program:
| | - | Acrobatic/partner yoga | - | Iyengar | | - | Aerial/anti-gravity/suspended yoga | - | Jivamukti | | (certified instructors only) | - | Kripalu | | - | Ananda | - | Kundalini | | - | Anusara | - | Mysore | | - | Ashtanga | - | Power | | - | Dharma | - | Prenatal & Postnatal | | - | Forrest | - | Restorative | | - | Hatha | - | Sivananda | | - | Hatha Flow | - | Vinyasa | | - | Hot yoga | - | Yin | | | | | | | | | | | | Ineligible Operations: | Certain operations are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage): | | - | Certified athletic trainers | - | Instruction of sports skills activities* | | - | Coaching of organized competitive athletic teams | - | Instructors under the age of 18 | | - | Fitness instruction other than YOGA (unless the optional | - | Instructor's employment as an exempt or non-exempt | | coverage for instruction of other types of fitness instruction | | employee of a school, university or college | | is purchased) | | | | | | | | * If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program. | | | | Liability Coverage | | | General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your fitness instruction activities. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of fitness activities) that occur as a result of your instruction activities.
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| | General Liability | | - | Bodily Injury & Property Damage | - | Professional Liability |
| - | Products-completed Operations | - | Damage to Premises Rented to You |
| - | Personal and Advertising Injury | - | Medical Expense (other than participant) |
| - | Legal Liability to Participants | - | Abuse, Molestation, Harassment or Sexual Conduct | | | | Defense Cost Reimbursement |
| | Exclusions | The following exclusionary endorsements are part of the policy providing coverage for this program: | | - | Abuse, molestation, harassment, or sexual conduct | - | Physicals/stress testing | | - | Amusement devices (e.g.: rides, slides, inflatables, | - | Physical therapy, massage or salon services | | bungees, climbing walls, dunk tanks) | - | Sale or distribution of herbal medicinal and/or | | - | Cryogenic chambers/therapy | | nutritional products | | - | Cycling (other than stationary) | - | Training programs for law enforcement, public safety and | | - | Employment-related practices | | military personnel | | - | Instruction/activities held on or in open water | - | Those operations listed as ineligible | | (e.g.: lakes, ponds, ocean) | - | Violation of statutes that govern e-mails, faxes, phone call | | - | Medical, therapy or health care services | | or other methods of sending materials or information | | - | Operation, ownership or management of a fitness, | | | | dance or sports facility | | |
| | * For information regarding coverage for a fitness facility, visit our Health & Fitness Facility Program. |
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