FAQ

Your policy is called a Professional Liability policy, sometimes called a Malpractice Insurance policy. The policy is designed to protect you if someone claims that they were hurt because of your care as an Ayurveda practitioner. The coverage provides for both defense and indemnity. That means that the coverage will cover legal costs to defend you, and if there is an award or settlement, the carrier will pay the price of the award, subject to your policy limits of liability. The policy also includes special defense-only coverage for claims of sexual harassment and even covers e-health in the event you are engaging with your clients remotely. Be sure to read your policy carefully for all the details of how your coverage works.

The leadership in the Ayurveda profession worked hand in hand with our sponsoring carrier in arriving at comprehensive language that provides coverage for the modalities of care utilized by the vast majority of Ayurveda practitioners. The intent was to ensure that the coverage broadly covered your needs. Generally, your work to enhance or maintain a client’s general health or well-being through widely accepted Ayurveda techniques will be covered. These techniques include Nutrition and Hygiene, Lifestyle Recommendations, Yoga and Meditation, and Massage / Bodywork. The covered modalities list is broad and contained within your policy documents. Unlike other professions, which have state licensure defining the scope of their professional practice, Ayurveda has yet to enjoy that status. This meant we had to invest the time to arrive at our extensive treatment approach list that reflects the field's current state.

The Limits of Liability are $1,000,000 per Claim and $3,000,000 General Aggregate. The per-claim limit is the total amount the insurance company will pay on a single claim. The General Aggregate limit is the total amount the insurance company will pay for all claims occurring during a policy term. This coverage level is widely used in health professions and is typically required for participation on panels or reimbursement under health plans.

As indicated on the Declarations Page, your policy is provided on a Claims-Made basis. Claims-made policies allow a claim to be reported during an active policy period as far back as the retroactive date as long as coverage has remained continuous with no interruptions. Once coverage expires, an unlimited Extended Reporting Period can be purchased within 30 days of the policy expiration date, allowing you to report a claim between the retroactive date and the policy expiration date.

The Ayurveda policy has an initial discounted annual cost of $180. Renewal is $240.

A Monthly Payment plan is available at $18 for the first year and $24/month after that.

With our program, it’s straightforward. You get one policy for your primary profession and then add supplemental coverage for other professions at just $25 per profession. You consider your primary profession Ayurveda unless you hold a higher acuity level of medical licensing, such as an R.N., a D.C., or an L.AC. If so, you must first qualify for coverage and pay for the profession with the most professional liability exposure.

If you have any questions or need to change your insurance coverage, please contact our customer service line at 800-860-8330.

The most common Additional Insured on coverage is a landlord. They want to be added to your policy to ensure that you have adequate protection. You can add your landlord or other entity that requests coverage for just $10. You can add those for free if you have an entity for your practice, like a professional corporation or LLC. If you have any further questions on Additional Insureds, please contact our customer service line at 800-633-8884.

First, you should pick up the phone and call, which is toll-free. Our carrier’s claims team will speak with you and guide you in completing the paperwork to document the concerns. Often, issues don’t become claims, and things calm down. However, if there is a claim, the claim team will work closely with you to resolve any dispute. Our carrier has spent over 30 years fighting for professionals in the alternative health field, and they are committed to fighting for you. In the end, if a settlement is needed, the carrier will always seek your agreement before settling any matter.

Your policy follows you wherever you go in the United States. Just be sure it is legal to practice wherever you are, and your coverage automatically travels with you.