The cost of defending a claim can be astounding. Why go it alone? As a Yoga Alliance member, you are not alone. Yoga Alliance has partnered with AFL to access coverage through Lloyd’s of London exclusively for our members. Lloyd’s is Standard & Poor’s “A+” (Strong) and an A.M. Best “A” (Excellent) rated insurance carrier.
AFL YogaPro includes professional liability and general liability coverage.
• Professional liability insurance is also known as Errors & Omissions Insurance. This type of coverage will cover claims related to your professional services, in this case yoga instruction and/or teacher training.
• General liability insurance will cover claims related to bodily injury, property damage, and negligence related to your business.
About the Insurance Carrier: Lloyd’s of London
Lloyd’s of London has a history dating back more than 300 years and has grown to be the world’s leader for specialty insurance.
“A+” (Strong) rated by Standard & Poor’s
“A” (Excellent) rated by A.M. Best Rating
About the Insurance Policy
Available Policy Limits:
Policy Type: Claims Made
Policy Coverage: Combined Professional and General Liability
For a comprehensive review of how our plan compares to others in the market and to view the coverage’s and limits available, see below
What is Professional Liability Insurance?
Professional liability insurance is also known as Errors & Omissions Insurance. This type of coverage will cover claims alleging negligence in the rendering of, or the failure to render professional services.
What is General Liability Insurance?
General liability insurance is typically purchased by an individual or business as protection against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
What is a Claims Made Policy?
A policy providing coverage that is triggered when a claim is made against the insured during the policy period, regardless of when the wrongful act that gave rise to the claim took place. (IRMI.com)
Why do I need insurance?
No one can plan for an accident, but you can be prepared for one. Whether you are directly or indirectly responsible, you can be pulled into a lawsuit, and the price tag for attorneys’ fees can be a hefty one. Insurance exists to defend and indemnify you from allegations of negligence.
Remember, frivolous lawsuits are common. There may be no merit, but a person can still file a complaint against you. Insurance is an affordable way to safeguard your personal finances.
Do I need to be a Yoga Alliance member to apply for coverage?
Yes, to obtain a quote and purchase a policy, you must be a Yoga Alliance member. If you are not a member, please visit Yoga Alliance to become a member.
Can I apply for a policy if I am a Yoga Alliance member living outside of the U.K.?
No, coverage can only be provided to individuals residing in the U.K.
What is the cost for yoga teacher liability Insurance?
Please visit the Professional Liability page for an overview and pricing information.
Will the yoga teacher liability policy cover more than yoga instruction and yoga teacher training?
Subject to an additional premium and underwriter review, this policy can cover other fitness and wellness modalities. Coverage must be requested on the application.
Please click Apply Now to download and submit an online application. Applications are non-binding/no purchase obligation.
Do I have to pay the policy premium in full?
Yes, premium must be paid in full for the policy to be effective.
Will this policy cover me if I am hurt?
No, this policy will not cover you if you get hurt. This policy provides third-party liability for professional liability and general liability (see definitions above) claims brought against you.
Will this policy cover me if I work with children?
Yes, this policy will cover you for work with children in groups of 3 or more.
Do I have to list all locations where I work?
No, this policy is designed to follow the yoga teacher wherever services are provided. Further, it is not our usual practice to list locations on the policy.
Will this policy cover me outside of the U.K.?
This policy in UK only, however it does cover up to 30 days of international travel including the US and Canada.
How do I request a copy of my policy?
If you would like a personalized copy, please email firstname.lastname@example.org. Your email should contain the following:
Subject Line: Policy Request – Your Name/Company Name as it appears on your policy documents
Body: Your Policy Number
Please send me a copy of my policy
Any special instructions or requests; if needed, please attach any documents.
Do you offer higher limit options?
No, the policy limits available to you are:
Limits can be increased midterm for an additional premium. Limits cannot be decreased midterm.
How do I renew my policy?
A policy must be renewed prior to the expiration date of your current policy. You will receive an email with information to renew. If your policy has expired, you will need to apply for a new policy. Please click here to submit an application
I need to reinstate my policy, What do I do?
Once a policy is expired or cancelled, it cannot be reinstated. To apply for a new policy, please click here to submit an application.
How do I update my contact information (name change, address, email, etc.)?
To update your contact information, please email email@example.com. Your email should contain the following:
Subject Line: Request to Update Contact Info – Your Name/Company Name as it appears on your policy documents
Body: Your Policy Number
Tell us what needs to be updated and how it should be updated.
I want to cancel my policy, what do I do?
Please keep in mind cancelling your policy will mean the following:
- Any claim reported after cancellation will not be covered.
- You have the option to extend the reporting period for an additional premium. If you are interested, please indicate in your email.
- Cancellation effective date will be equal to the date of your request or a future date. Policies cannot be cancelled retroactively.
- Any additional insured and/or certificate holder associated with your policy will be notified of cancellation.
- You will receive any remaining premium on your policy by check.
To cancel your policy, please email firstname.lastname@example.org. Your email should contain the following:
Subject Line: Cancellation Request – Your Name/Company Name as it appears on your policy documents
Body: Your Policy Number
Please cancel my policy effective (note this date must be equal to the date or your request or a future date. Polices cannot be cancelled retroactively.)
Any changes to your mail address or contact information.
About AFL Insurance Brokers Ltd.
AFL Insurance Brokers is a Lloyd’s of London broker, established in 2008 managing clients and accounts all throughout the world. Let our team of professionals help keep you and your yoga practices safe. For any assistance please contact us on: email@example.com or call us on 0207
Coverage being offered in on a claims made policy form. Claims must be reported during the policy term. If the policy expires, non-renews, or lapses, claims reported after may not be covered, unless reported during an *extended reporting period. This makes renewing coverage on time very important. Notices to renew will be sent by email before the policy expires. Please take the opportunity to start the process early, as policies cannot be reinstated.
To ensure you receive all policy correspondences, communications and documents, please add firstname.lastname@example.org as an approved sender. If there is a change to your email address, let us know immediately. We also encourage you to check your junk or spam folder.
*Extended Reporting Period (or tail coverage) provides 12 additional months for claims to be reported and is available upon request. Requests must be made prior to policy expiration, and is subject to underwriter approval and an additional premium; Year 1 cost is 100% of the current policy premium.
Apply & Renew
Coverage being offered is written on a claims made policy form. Claims must be reported during the policy term. If the policy expires, non-renews, or lapses, claims reported after may not be covered, unless reported during an *extended reporting period. This makes renewing coverage on time very important. Notices to renew will be sent by email only — 90 days, 60 days, 30 days, and 15 days – before the policy expires. Please take the opportunity to start the process early, as policies cannot be reinstated.