Yoga Teachers Insurance

What Is Yoga Teacher Insurance?

Yoga teachers need commercial insurance coverage to protect against lawsuits and claims related to the industry. With yoga teacher insurance in place, you have liability coverage for issues such as student injuries or property damage. Whether you own a yoga studio or lead yoga classes in various settings, a yoga insurance policy is essential for your protection. It could save your business if you're held liable for injuries, property damage, or negligence. Those situations may involve legal procedures and costly expenses. Yoga instructor insurance covers those costs and gives you peace of mind so you can focus on your practice.

Why Yoga Teachers Need Insurance

Teaching yoga might not seem like a high-risk career, but going without general and professional liability insurance exposes you to major financial risks. A situation that seems minor, such as a student getting injured while doing an advanced move, could result in major medical bills that could devastate your business financially without the proper coverage.

Key Coverage Types for Yoga Teachers

As a yoga instructor or yoga studio owner, you may need several types of insurance to fully protect yourself. Here are some types of yoga instructor insurance to consider:

• General liability insurance: Like all businesses, a yoga practice needs general liability insurance to handle bodily injury or property damage claims from your customers or other third parties. For example, if a student trips over a yoga mat and gets injured, this yoga instructor liability insurance covers the claim.
• Business owner's policy: If you own a yoga studio, you might choose a business owner's policy. This type of insurance combines general liability with commercial property coverage in case your building is damaged by theft, fire, or other covered perils.
• Professional liability insurance: When working as a yoga instructor, you often give advice and guidance to your students. Sometimes, that instruction leads to injuries. If a student accuses you of negligence based on your instruction, your professional liability insurance protects you financially.
• Workers' compensation: As a yoga studio owner, you may employ several yoga instructors to lead your classes. Because of the physical nature of the job, they could become injured at work. Having workers' compensation insurance in place helps cover the associated medical costs. You may be required to have this type of policy by your state.

Who Needs Yoga Teacher Insurance?

Anyone involved with yoga instruction or classes can benefit from having yoga teacher liability insurance. Yoga studios need to carry insurance policies to protect against injury and property damage claims from their clients. Having coverage to protect your employees is also beneficial. If you're an individual yoga instructor, you can establish professional liability coverage for yourself. Some gyms and fitness centers may require you to have a liability policy.

How Much Does Yoga Insurance Cost?

Yoga studios and yoga instructors pay various amounts for their liability coverage. Individual factors go into the calculations based on the amount of risk the insurance company takes by insuring you. The premiums often vary from one insurance provider to another, even with the same pricing factors, which is why it's important to get quotes from several insurers.

Some factors that might influence your rates include:

• Yoga studio size and value
• Commercial insurance claims history
• Number of employees
• Part-time vs. full-time status for individual instructors
• Amount of coverage provided
• Deductible amount

Get a Quote With Tivly

Don't get caught in an awkward position without the proper yoga teacher liability insurance policies in place. At Tivly, we help you find the best match from a variety of well-known and reliable insurance providers. With a range of quotes from different carriers, you can compare your options and find policies within your budget while providing the coverage you need. Call us at 877-907-5267 or fill out the form online to receive your customized yoga practice insurance quote.