Complete Cost and Benefits of Yoga Insurance

/ BLOG

Complete Cost and Benefits of Yoga Insurance

Aug 13, 2018 · 9 minutes to read

There seems to be no end to the growing popularity of yoga. The ancient practice continues to draw new students every day. As Americans search for ways to de-stress, connect, and become more aware, the call of yoga beckons.

So too does the call to teach yoga. Last year the Yoga Alliance registered 14,700 new yoga teachers.

If you are among the new yoga instructors with certification in hand ready to get in front of a class, hold your horses. The moment you become a yoga teacher is the moment you become a professional. And that means you have some professional risks to manage.

But don’t be shy, though. Go forth and teach! Just make sure you protect yourself with yoga instructor liability insurance.

Already on your way to teach your first class? Don’t panic. Yoga instructor liability insurance costs are low, and you can be covered in minutes with proof of insurance in hand.

Just don’t make the mistake of thinking you can’t afford yoga instructor insurance coverage. It is surprisingly inexpensive. You can afford it and you can’t afford to not have it.

Before we dive into how much yoga instructor insurance coverage is going to cost, and how much it can actually save you, let’s take a quick look at what you get when you purchase a yoga instructor professional liability insurance policy.

General Liability and Professional Liability: Elements of Yoga Instructor Liability Insurance

A Yoga instructor liability insurance policy contains two major coverages and a handful of miscellaneous benefits. The policy is made up of two major parts:

General liability covers you for just what it sounds like: general liabilities you may be found responsible for within the day to day operations of your job. This includes things like slips and falls during a class or damage to your client’s property due to a leaky pipe in the studio. General liability encompasses mishaps that may occur and that don’t have anything to do with your actual teaching.

Now, it is possible the studio where you teach has General Liability insurance, but that doesn’t mean it extends to protect you if something goes wrong on your watch.

Professional liability is the other element in your yoga instructor liability insurance policy. It’s really where the rubber meets the road. It’s going to cover you for liability that arises out of your actual teaching. This could include an injury a student suffers which they claim was due to your instruction. Or an accusation of libel from a competing yoga studio.

Fringe Benefits of Yoga Instructor Liability Insurance

While protection from being sued for injuries and property damage are the biggies, yoga instructor liability insurance is packed with tons of other benefits that every yoga teacher should have.

There is coverage to protect you against even frivolous claims. For example, suppose a student claims they injured their ankle while following your instructions in a Vinyasa class. Even if the student’s injury had nothing to do with your instruction, you still need to defend yourself against the suit.

How Can I Afford Yoga Instructor Liability Insurance?

Many professionals go without insurance because they assume it is too expensive or they won’t be able to afford it.

Not so, Yogis! Yoga instructor liability insurance is very affordable. BizInsure offers general Liability coverage for less than $29.00 a month and professional liability coverage for about $50.00 per month. Far less than a pair of LuLulemon pants.

When you look at the cost of a policy and the astronomical legal costs associated with a potential claim, it’s a solid investment when it comes to protecting your business.

Yoga instructor insurance cost is minimal.  The exact cost of your policy is determined by a few underwriting factors, the limit you select and how you earn from teaching are two of these influencing factors.

The Cost of Yoga Instructor Liability Insurance

It’s hard to imagine that a profession as noble as yoga teaching can be the subject of lawsuits. No one likes to think they could one day receive a special delivery containing a tome of paperwork with their name listed at the top as a defendant. But it can happen – even in the serene space of the yoga world.

In 2014, Michael J Taylor, former President of the International Association for Yoga Therapy, spoke[1] of six major lawsuits that he personally knew of. He also stated he was “dumbfounded” by the refusal of most studios and instructors to take measures to protect themselves from risk.

Yoga is a special practice, but there is nothing about it that makes it more or less susceptible to litigation than any other profession.

These are some lawsuits that have made the headlines in recent years:

A Portland, Oregon student was injured[2] when a mirror fell from the wall and shattered on top of her, lacerating her body. When neither the yoga studio or the glass company accepted responsibility for the accident, the student filed a lawsuit against both for $400,000 in pain and suffering, $40,000 for past medical costs, $10,000 for future medical costs and $5,000 for lost wages.

In 2013, a popular New York-based instructor[3] was sued when a student fell out of his headstand pose and his foot went through a glass pane window. The student’s attorney claimed the teacher didn’t provide a safe environment to practice as the room was crowded and the student was forced to practice too close to the window.

One of the largest countenances for professional liability insurance in the yoga world is the current lawsuit[4] filed against yoga teacher and body advocate Dana Falsetti.

Falsetti is being sued for breach of information and defamation for revealing on an Instagram post a corporate acquisition between two yoga companies. The announcement had not yet been made public and Falsetti’s social media post and frank opinion on the situation landed her in some legal trouble.

The outcome is still pending, and costs are unknown, but a GoFundMe page intended to raise money for Falestti’s legal fees has surpassed its goal of $50,000.

The Benefits of Yoga Instructor Liability Insurance: Priceless

The possibility of financial loss or legal trouble can be a hard thing to get your head around. So, let’s consider some of the other more immediate benefits yoga instructor insurance offers.

1. Peace of mind

Knowing that you are protected with good yoga instructor liability insurance brings peace of mind, As a yoga teacher, you’re all about teaching people find their inner calm and happy place. Nothing brings peace of mind and reassurance than knowing that your yoga business has the right forms of protection in place.

It allows you to have a flexible workplace. Many studios will require you to have a yoga instructor professional liability policy. Having the coverage in place will make getting those gigs a lot easier.

2. Gives you an edge

Having the correct insurance policies will give you an edge over instructors that don’t when you’re bidding to teach a class.

3. Protection that follows you around the world

A yoga instructor professional liability policy will follow you anywhere your teaching takes you.  So, think and dream big! Want to teach at a retreat in Hawaii, or at a summer resort in Miami Beach? Your yoga instructor liability insurance covers you from your home studio to your retreat location.

4. Protects you when you make a mistake

Knowing that you are protected if you make a professional mistake gives you the freedom to be yourself when you’re teaching. You can feel free to offer corrections to students and speak your mind in class without having to worry if your instructions will be taken the wrong way or lead to injury.

5. Protects you even when you don’t make a mistake

You don’t have to do anything wrong to be sued. If the possibility or perception of wrongdoing is present, you can end up in a lawsuit. Yoga instructor liability insurance will protect you even when you didn’t do anything wrong.

6. Protects your marketing efforts

Social media marketing is something no business can be without, but sometimes this intimate and casual communication style can lead to trouble. Yoga instructor liability insurance includes Professional liability which protects you from allegations of libel or slander if your messages are misunderstood or misconstrued.

Yoga Instructor Liability Insurance Costs are Minimal, and the Benefits are Many

As a yoga instructor, you probably don’t like to think much about risk, insurance, and business. Your thoughts most likely lean toward philosophy and sharing the benefits of yoga.

But a yoga teacher is a professional and as a professional, you face risks every day.

BizInsure helps you manage those risks by making professional liability insurance for yoga instructors easy and affordable. The whole process can be completed online, and you’ll receive coverage confirmation immediately.

The cost is minimal, but the benefits are great.

Getting a policy is simple: Click here, answer a few questions and you’re covered.

BizInsure combines cutting-edge technology and licensed agent support to provide expert advice, affordability and ease.



[1] Counterpunch.org, (2014). Counterpunch: Tell the Facts Name the Names. [online] Available at: https://www.counterpunch.org/2014/07/04/yogas-growing-threat-of-legal-liability/ [Accessed 3 Aug. 2018].
[2] Yoga Dork, (2014). Mirror Falls and Shatters, Injures Woman in Yoga Class. [Blog] Yoga Dork. Available at: http://yogadork.com/2014/05/27/mirror-falls-and-shatters-injures-woman-in-yoga-class/ [Accessed 3 Aug. 2018].
[3] Hamilton, B. (2013). Alec Baldwin’s wife Hilaria sued over bloody mishap in her yoga class. New York Post,  [online]. Available at: https://nypost.com/2013/02/17/alec-baldwins-wife-hilaria-sued-over-bloody-mishap-in-her-yoga-class/[Accessed 3 Aug. 2018].
[4] Chandra, N. (2018). My heart is with Dana – but here are the Facts of the Case. [Blog] Elephant Journal. Available at: https://www.elephantjournal.com/2018/03/my-heart-is-with-dana-but-here-are-the-facts-of-the-case-namita-chandra/ [Accessed 3 Aug. 2018].

Compare quotes in minutes with no obligation to buy

Get Quotes

Compare quotes in minutes with no obligation to buy

More than 6,000 customers covered by top-rated insurers.

Get instant quotes
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE W.
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17
js_loader

Popular Searches

Google Rating
4.4
Based on 68 reviews
×
js_loader