Yoga Insurance Coverage Highlights for Facilities

Yoga Journal has partnered with Fitness and Wellness Insurance to provide yoga studios and facilities with access to affordable liability insurance. An affiliate of Philadelphia Insurance Companies, Fitness and Wellness Insurance has more than 15 years of specialized experience working to meet the insurance needs of yoga and fitness professionals. Fitness and Wellness Insurance subscribes to the belief that fitness is a key ingredient to wellness and a healthy life.

10 Reasons to Choose Philadelphia Insurance Companies for Yoga Instructors

  1. General and Professional Liability
  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 for contracted professionals included
  5. Coverage included for yoga instructors teaching at a yoga retreat
  6. Abuse and Molestation coverage included
  7. Coverage for special events available
  8. User friendly online application
  9. Customer service call center available to address all policy holder concerns
  10. Coverage available in all states

Key Details and Coverage Highlights

Depending on your unique studio policy, the following may be available for your studio polity.

General and Professional Liability

  • Comprehensive General Liability and Professional Liability
  • 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 coverage afforded for Automatic External Defibrillators (AED)
  • Special Causes of Loss coverage on buildings, contents, business income and extra expenses
  • Coverage extended to include property of customers in your care, custody or control
  • Coverage for outdoor pools and court surfaces
  • Spoilage
  • Signs (attached or unattached)
  • Precious metals, including trophies
  • Business income and extra expense
  • Pollutant clean–up and removal


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

Crime and Fidelity

  • Theft, Disappearance and Destruction
  • Forgery or Alteration
  • Employee Dishonesty

Umbrella/Excess Liability Bell Endorsement

Includes 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

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
  • 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
All coverages underwritten by Philadelphia Indemnity Insurance Company. Coverage is subject to underwriting review and actual policy wording. Coverage may not be available in all jurisdictions. Questions? (877) 438 - 7459