Canadian Yoga Alliance (CYA)
Relax: buying our liability coverage is quick and easy
We offer three levels of professional liability coverage — up to $5 million — to suit the size and scope of your practice. Members in good standing with the CYA or GMC can purchase liability coverage with a credit card at any time. Protect yourself today.
About The Program
Chat with HUB’s automated assistant 24/7 to get answers to basic questions or to complete your application for insurance. If our assistant can’t answer your question, it will refer to you to our team of experts.
Email: [email protected]
Phone: 416-597-4021
Achieve inner peace with liability coverage from HUB
You’ve dedicated your life to helping your clients reach a state of calm. But when you’re faced with a lawsuit, inner peace can be difficult to achieve. The right liability coverage can help protect you financially when a client is hurt and sues you for damages.
HUB provides members of the Canadian Yoga Alliance (CYA) and Global Meditation Consortium (GMC) exclusive group rates for liability coverage. This coverage provides you with protection from expenses related to accidental third-party injury or property damage, up to your limit.
Who’s eligible
Coverage is available to CYA and GMC members in the following disciplines:
- Acro Yoga
- Acupuncture
- Acupressure
- Aromatherapy
- Ayurveda
- Bowen Therapy
- Brandon Ray Therapy
- Cancer Exercise Specialist Training
- Chair Massage
- Chair Yoga
- Chakradance
- Colour Therapy
- Cranial Sacral
- Crystal Healing
- Energy Work
- Foot Massage
- Healing Touch
- Hellerwork
- Hoffman Massage
- Hydrotherapy
- Indian Head Massage
- Iridology
- Meditation
- Natural Facelift Massage
- Nutritional Consulting
- Osteopathy
- Personal Training
- Pilates
- Polarity Therapy
- Qi-Gong
- Raindrop Therapy
- Reflexology
- Reiki
- Shiatsu
- Somatic Yoga
- Sound Therapy
- Suspension Yoga
- SUP Yoga
- Tai Chi
- Thai Massage
- Therapeutic Touch
- Trauma Center-Trauma Sensitive Yoga
- Warm Stone Therapy
- Yoga
- Yoga Therapy
To be eligible for coverage, you must be 18 or over, a Canadian resident and teaching only in Canada. If you also teach in the U.S., contact a HUB representative for coverage.
Important things you need to know about the CYA and GMC group liability insurance policy.
Exclusion: This Insurance Policy provides no coverage for any Claim in any way caused by, arising out of or resulting from any disease or contagion (See attached)
- This program is for LIABILITY coverage ONLY. It protects the insured fitness professional when negligent acts and/or omissions result in bodily injury and/or property damage to a third party.
- The policy DOES NOT cover:
- Injury to the insured instructor themselves or damage to the insured instructor’s property/equipment (Personal Accident or Property coverage)
- Errors and omissions causing financial damage (as opposed to property damage or physical injury) to another person (Errors & Omissions coverage)
Cyber liability (protection again data breach or loss of valuable data)
Contact HUB to apply for or inquire about these other important coverages.
- Individual policies are effective, and coverage commences, on the day the insurance is purchased and extends for 12 months
- International Travel
Coverage for travel outside Canada may be provided under the following conditions:- 14 days of international travel (both teaching and participating if not organized/hosted by the insured) are included as common to the operations of the insured per trip, anticipating that the insured will travel back to Canada after the travel is complete (ie, if the insured continues travel past the 14 days to other locations/retreats that require coverage, that will be considered part of the travel time and may incur an AP charge)
- Travel to multiple locations within the 14 days is included, as long as that information is provided before departure
- Up to 3 separate travel exposures per policy term, additional trips are to be referred
- Trips lasting 15 to 30 days will have an AP of $10/day
- Trips lasting longer than 30 days are to be referred
- If the insured is hosting the class/retreat there will be an AP of $100
- All participants must make their own travel plans, the insured does not coordinate the transportation/lodging or other non yoga related components of travel
- Trips to countries under sanction or have been identified by the Government of Canada as having active advisories to avoid travel are declined
- Risks with international travel exposure will include a designated events limitation endorsement
- Coverage does NOT extend to:
- Instruction of professional athletes or carded amateur athletes
- Activities that are not included in the “who’s eligible” list above
- Work-related rehabilitation of any condition
- Tanning beds
- Coverage does not extend to studios (including home studios) or other facilities that you own, lease or rent on a long-term basis. If you need studio/fitness facility coverage, contact HUB
- Coverage under this program is afforded only to the individual, not employees, and only for the activity(ies) declared in the application. If you require coverage for other activities/businesses that are not declared in the application, contact HUB
- You are advised to review the Coverage Summary and read the policy wording you’ll receive upon purchase. If you have any questions related to coverage structure or require an explanation of the coverage provided on this policy, contact HUB
- Retroactive coverage is NOT available for those with prior claims-made policies
This policy is coverage for the individual yoga instructor. This application does not apply to studio insurance, coverage of building lease or employees. To apply for yoga studio insurance or for more information on this, please contact CYA at [email protected] and state, "studio insurance inquiry" in subject line. Thank you for your patience and cooperation.
If you are also a fitness instructor, you are required to confirm that:
- All trainees under your instruction complete a Get Active Questionnaire once per year
- All trainees under your instruction that are required to consult with a physician upon completing a Get Active Questionnaire, must provide you with authorization in writing from the physician confirming it is acceptable for the trainee to participate in the proposed activity
- When biking, all trainees under your instruction wear helmets and, if biking between dusk and dawn, wear reflective clothing, have their bicycle equipped with lights and have the lights turned on
The registered Canadian Yoga Alliance Instructor is permitted to conduct online classes and forms part of your coverage.
IMPORTANT TO NOTE:
- All participants must be registered clients and must be recorded by the instructor
- Publicly-accessible broadcast tools such Facebook Live, YouTube, etc. and pre-recorded videos are not acceptable methods of delivering online training
- Permitted delivery tools must include the use of controlled, multi-screen video conferencing programs such as Skype or Zoom (ZOOMUS)
- All injuries are to be documented
- Acupuncture, shiatsu, osteopathy, yoga therapy and Ayurveda is strictly prohibited
This program is written by Certain Lloyd's Underwriters through Markel Canada Limited.
If you have any questions about the summaries below or about specific coverages, contact HUB.
| Coverage | Option A | Option B | Option C |
|---|---|---|---|
| Each occurrence that has no professional liability exclusion | $1,000,000 | $2,000,000 | $5,000,000 |
| Tenant’s legal liability (any one premise) | $1,000,000 | $1,000,000 | $1,000,000 |
| Products — Completed operations aggregate (ie., the most that will be paid out over the policy period) | $1,000,000 | $2,000,000 | $5,000,000 |
| Legal defense expenses (per occurrence) | $50,000 | $50,000 | $50,000 |
| Legal expense for abuse | $25,000 | $25,000 | $25,000 |
The following apply to Options A, B and C:
Deductible: $1,000
Extensions – what’s included:
| Exclusions – what’s not included:
|
Cost
The premium under this program is fully retained upon acceptance of payment. This means that the premium will not be refunded if the policy is cancelled prior to the policy expiry date.
The premium covers all the modalities applied for and for which the applicant has a certificate of qualification.
Costs exclude applicable provincial taxes.
Abuse Claims Made: $100K (OPTIONAL) for $75.00
CYA Members:
Basic program
| Limit | Annual premium** | Policy Fee | Total cost | |
|---|---|---|---|---|
| Option A | $1,000,000 | $120.00 | $54.00 | $174.00 |
| Option B | $2,000,000 | $150.00 | $54.00 | $204.00 |
| Option C | $5,000,000 | $215.00 | $54.00 | $269.00 |
Acupuncture, shiatsu, osteopathy, yoga therapy and Ayurveda
| Limit | Annual premium** | Policy Fee | Total cost | |
|---|---|---|---|---|
| Option A | $1,000,000 | $185.00 | $54.00 | $239.00 |
| Option B | $2,000,000 | $240.00 | $54.00 | $294.00 |
| Option C | $5,000,000 | $360.00 | $54.00 | $414.00 |
GMC members:
Meditation facilitator
| Limit | Annual premium** | Policy Fee | Total cost | |
|---|---|---|---|---|
| Option A | $1,000,000 | $120.00 | $54.00 | $174.00 |
| Option B | $2,000,000 | $150.00 | $54.00 | $204.00 |
| Option C | $5,000,000 | $215.00 | $54.00 | $269.00 |
Meditation and yoga
| Limit | Annual premium** | Policy Fee | Total cost | |
|---|---|---|---|---|
| Option A | $1,000,000 | $175.00 | $54.00 | $229.00 |
| Option B | $2,000,000 | $200.00 | $54.00 | $254.00 |
| Option C | $5,000,000 | $270.00 | $54.00 | $324.00 |
**online training — Included
HUB International Ontario ULC
130 King Street West
Suite 1100
Toronto, Ontario
M5X 1E4
AMF Registration 603097; Damage Insurance (Broker)
Search the AMF Registers
Pour le site en français, veuillez cliquer ici.