Why Choose beYogi Over Philadelphia Yoga Insurance

Nope, Philadelphia does not provide an identity protection plan with their yoga insurance policy. beYogi provides this important additional safeguard to give our members the best all-around coverage available, all at a single low rate. In a world where cyber incidents happen every second of the day, having your identity compromised could significantly impact your ability to provide services. beYogi’s included identity protection plan provides up to $25,000 worth of identity recovery services should a cyber incident put your personal information at risk.

Unlike Philadelphia, we choose to showcase our yoga insurance policy right alongside all of the leading competitors in the field so our members can see what we provide, compare it to what else is out there, and then make the best decision for their individual yoga journey. Our yoga insurance guide offers a great yoga insurance comparison snapshot.

Like beYogi, Philadelphia offers yoga insurance for both part-time and full-time instructors. However, Philadelphia yoga insurance caps their part-time hours at only 6 hours per week and includes both a premium portion and a group fee for a total of $125. For their full-time yoga insurance policy, the total is $185. These plans only cover a small number of modalities and their website warns that the prices can increase depending on your state. At beYogi we offer a 10 hour per week part-time policy for the same low rate of $169 across the country. Our full-time policy is only $179 per year and like our part-time plans cover more than 350 different health and wellness specialties.

Philadelphia provides limits of $2 million per occurrence and a $4 million annual aggregate for general and professional liability claims. They provide additional limits for product liability, sexual abuse, medical payments, and rental damage. beYogi provides a $2 million per occurrence and then a $3 million individual annual aggregate meaning that this total is per each member rather than being pooled. We also provide $2 million for product liability, $2 million individual aggregate for personal injury & advertising, $150,000 for rental damage, $2,000 for stolen/damaged equipment with a $250 deductible, identity protection, and tons of member benefits like a free professional website, eBooks, and product discounts.

Philadelphia yoga insurance has a very limited scope of yoga modalities that it does cover and an even greater number of services listed on their website as being “ineligible”. Our yoga insurance plan provides coverage for more than 350 different health and wellness modalities because we understand instructors often will utilize multiple techniques during a session with students. Rather than wondering if a given modality is covered, beYogi members enjoy peace of mind knowing that most major services are covered and we are continuing to add even more to the list.

No, Philadelphia yoga insurance does not offer a student policy. Knowing just how crucial coverage is for budding yoga instructors, beYogi offers students only policy for the discounted rate of only $60 for a full year of coverage. Many students find it beneficial to wait to secure this coverage until they are nearing graduation so that most of their first year in the business is covered for the incredible rate of only $60. Our student policy comes with all of the same coverage limits, perks, and benefits as our professional yoga insurance policies. 

Occurrence form policies are the industry’s preferred choice for providing the best coverage option for professionals. Occurrence form provides coverage for all claims that are related to a claim event that occurs while the policy is still active, no matter when the claim is filed and even after the policy expires. Claims made says that the policy has to still be active for a claim to be covered. This can be truly detrimental if a client waits a few weeks to file a claim and your policy happens to expire in that timeframe. With occurrence form, you’d still be covered in this example and with a claims-made you would face paying for the claim yourself. When comparing yoga insurance providers, it is vital to make sure they use occurrence form policies. Both beYogi and Philadelphia use occurrence form.

Philadelphia yoga insurance can take upwards of 24 hours to bind. We know the real world often requires being able to instantly provide results. Maybe you are working at a private event or a studio is asking to see your certificate before they let you teach, whatever the case our yoga insurance application takes minutes to complete and then affords you instant proof of insurance. 

For the best yoga insurance, you need to compare what all is covered under the policy, consider any member benefits provided, and then look at the price offered. Many providers like Philadelphia only cover a few modalities. If you teach a modality that is outside of that scope it either is not covered or will require paying an additional fee. At beYogi, we choose to simplify the process with one, low rate that covers a multitude of different yoga practices, provides tons of member benefits you will actually use, and above all, provides great insurance coverage for yoga instructors. 

Philadelphia yoga insurance does not utilize TrustPilot, the independent third party review platform beYogi chooses to offer so that members can get an unbiased view of our products and services. Also, Philadelphia uses local offices to administer their plans so Googling them lends a limited number of reviews based on a specific geographical location rather than their services as a whole. Always remember, Google reviews should only be used as a general reference since they have been shown to contain many fake reviews. That’s why we rely on TrustPilot’s platform for providing verified reviews.

Part-time hours for Philadelphia are just 6 hours per week. Teaching more than this would put an instructor in the full-time category and require them to pay a greater rate. With beYogi’s part-time hours capped at 10 hours per week, our yoga insurance program provides 66% more hours so that more part-time instructors can take advantage of the rate reduction.

Other than a few blog-type articles, Philadelphia yoga insurance does not list any sort of member benefits on their website. Conversely, with beYogi our members enjoy a benefits program that supports our instructors, their practice, and their yoga journey. Valued at more than $300, our benefits program has been specially curated for maximum benefit by yogis, for yogis. With our plans we offer free access to our leading pose library, free business resources, a free professional website, early access deals and discounts on great names in yoga gear, free eBooks, and so much more.

Philadelphia yoga insurance provides a few blog posts within their risk management section of their website but then wants you to purchase additional insurance provisions in order to access all of the benefits of this program. We don’t want to be anything but a great resource for members so we turned a whole section of our website into our exclusive beYogi resource center. Within this section you can find lifestyle guides for yogis, teaching tips from respected pros in the industry, perfect yoga playlists, business tips, and guides, and so much more. We truly see ourselves as partners in each other's success. As partners, we want to bring as much as possible to the table to support you and your business.