General & Professional Liability Insurance Summary of Terms & Conditions Eligibility
The THOMCO General & Professional Liability Program is designed to provide
liability insurance for YogaFit Instructors
classified as "independent contractors." This policy is for individuals only.
Annual cost for YogaFit Instructors is $165.
Note: Cost includes premiums for insurance and enrollment in the National Health Club Association Purchasing Group.
All instructors and trainers must complete an application to obtain coverage. Items such as
certification and experience are taken into consideration for approval. This program is not
available in Canada or Puerto Rico.
This policy will cover damages should you become legally obligated to pay for "bodily injury" and/or "property damage"
caused by your negligence while engaging in a personal training session or group instruction.
The company will have the right to defend you against any "suit" seeking such damages. However,
the insurance company will have no duty to defend you against a claim that is not covered under
Policy Limits of Coverage
The annual aggregate limit of liability coverage is $3,000,000, with a per occurrence limit of
Exclusions (Not Covered)
The following activities and/or operations are not included within the General & Professional Liability
Program and are therefore not covered:
- Supplements & Vitamins
- Chiropractic Treatments
- Massage Therapy
- Physical Therapy
- Products You Manufacture
- Diet Guarantees
- Medical Treatments
You hereby warrant, represent and confirm that, to the best of your knowledge, all information
provided is complete, true, and correct.
THOMCO, as managing general underwriter for the insurance company, receives
compensation from the insurance company in consideration for its performance of services that
include, but are not limited to: underwriting, policy issuance, administrative functions, and
claims handling. Additional compensation is received for administration of the National Health
Club Association Purchasing Group to provide additional benefits and discounts unrelated to
insurance for all participants in this program.
You understand the premium is not fully earned but the membership fee is fully earned. Return premium
will be calculated on a short rate basis should you request your coverage to be canceled within the policy term.
The membership fee is fully earned and will not be returned.
It is understood that intentional misrepresentation on the enrollment application may jeopardize
Further, you acknowledge that you have reviewed the exclusions and operations for which coverage
is not provided.
This is not a contract of insurance. For actual coverage wording including exclusions, policy
terms and conditions, you will need to refer to your insurance policy.