Your policy is called a Professional Liability policy, sometimes referred to as a Malpractice Insurance

policy. The policy is designed to protect you if someone claims that they were hurt in some way 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

cost of the award will be paid for by the carrier, 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 ready 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 the use of

widely accepted Ayurveda techniques will be covered. These techniques include Nutrition and Hygiene,

Lifestyle Recommendations, Yoga and Meditation, and Massage / Bodywork, etc. The list of covered

modalities is broad and is 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 that we had to invest the time to arrive at our own extensive list of treatment approaches

that reflect the current state of the field.

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 the entirety of 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.

Your policy, as indicated on the Declarations Page, 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 retro-active 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 which allows

you to report a claim that occurred between the retro-date and the policy expiration date.

The Ayurveda policy has an annual cost of $396

A Quarterly Payment plan is available, with each of the four installment payments being $109. There is a

$40 financing fee associated with the Quarterly Payment option, or $10 per installment.

The pricing provided to CAAM members is a discounted rate negotiated by your Association Leadership

team and the insurance company.

Yes. In addition to your Professional Liability protection, you should consider adding supplemental

Premises Liability coverage. It’s only $75 for a year. You may already have this coverage if you have

Homeowner’s insurance that doesn’t exclude it, or if you have a Business Owner’s Policy, typically

referred to as a BOP. If not, coverage for Premises Liability is always a good idea. Premises Liability

exposure results from accidents that may occur on your premises. For example, if someone comes to be

seen by you, and while waiting for treatment, they accidentally slip and fall and get hurt, you have

protection. Check to see if you already have this coverage, and if not, it is available to you through our

program.

It’s really easy with our program. You just get one policy for your primary profession, and then add

supplemental coverage for other professions at just $25 per profession. Your primary profession is

considered to be Ayurveda, unless you hold a higher acuity level of medical licensing, such as an R.N., a

D.C., or an L.Ac. If that is the case, you have to first qualify for coverage and pay for the profession

considered to hold the most professional liability exposure.

If you have any questions or need to make changes relating to 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. If you have your own entity for your practice, like a Professional Corporation or

LLC, you can add those for free. If you have any further questions on Additional Insureds, please contact

our customer service line at 800-633-8884.

The first thing you should do is pick up the phone and call, toll free. Our carrier’s claims team will speak

with you and guide you in completing paperwork to document the concerns. Often times issues don’t

wind up becoming claims and things just calm down. However, if ultimately there is a claim, the claim

team will work closely with you in endeavoring to resolve any dispute. Our carrier has spent over 30

years fighting for professionals in the alternative health field, and they are committed to fight for you. In

the end, if there is a settlement 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 that it is legal to

practice wherever you are located, and your coverage automatically travels with you.