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Do I need additional covers (such as Personal Accident, Loss of Earnings, Employers’ Liability, contents and all risks)?

Additional cover options include Personal Accident, Loss of Earnings, Employers’ Liability, and All Risks Business Contents insurance; most are not included in the Master policy and may require a Multi-Therapy policy or separate arrangement through Balens.

Why This Matters

Having the right additional cover ensures you are protected against serious risks, such as accidental injury, illness, loss of income, and employee claims. Without these additional policies, you could face significant financial and legal exposure in the event of unexpected events. Ensuring your business assets and staff are properly insured provides peace of mind and helps your practice remain resilient in the face of challenges.

 

What This Means for You

Review your current insurance policy to identify any coverage gaps, especially for personal accidents, loss of earnings, employee liability, and business assets. If you need additional protection, consider upgrading to a Multi-Therapy policy or arranging separate cover through Balens to ensure you and your business are fully protected against unexpected risks.
 

Additional cover is available as follows:

Personal Accident cover (PA)
 Personal Accident cover pays a lump sum if you suffer a serious injury or death in an accident, regardless of fault.

  • This is not available under the Master policy.
  • If you have a Multi-Therapy policy, you can add PA cover for an additional premium.

Loss of Earnings cover (Income Protection)
 Loss of Earnings cover (often called income protection insurance) pays a tax‑free monthly benefit if you are unable to work due to illness or injury.

  • If you require this cover, please contact Balens for further information.

Employers’ Liability cover (EL)
 Employers’ Liability insurance is legally required if you have employees. It covers compensation claims and legal fees if an employee suffers injury or illness arising from their work.

  • If you require EL cover, please contact Balens.
  • Please note: the Master policy is not suitable if you have employees or sub‑contractors.

All Risks Business Contents cover
 All Risks Business Contents cover protects your business assets against accidental physical loss, damage or theft, for almost any cause unless specifically excluded.

  • This is not available under the Master policy.
  • If you have a Multi-Therapy policy, you can add All Risks cover for an additional premium.
  • Alternatively, Balens can arrange a separate All Risks Business Contents policy via the Commercial department. Please contact Balens if you require this.

FAQ

For any queries about the YogaPros member insurance policy or to check if your qualification meets Balens requirements, please contact Balens directly.

How do I contact Balens?

This guidance applies specifically to the YogaPros member insurance policy arranged through Balens. If you hold your own separate insurance policy, you should check the terms, conditions, and coverage directly with your insurer, as provisions may differ.