The Complete Guide to Yoga Instructor Liability Insurance

/ BLOG

The Complete Guide to Yoga Instructor Liability Insurance

Aug 12, 2018 · 8 minutes to read

As a yoga instructor, chances are you probably don’t spend much time thinking about yoga instructor liability insurance.

You probably spend most of your time thinking about how you can better serve your students with new sequences, better cues and more education. With a heart for service and a mind geared towards growth and wellness, it may not come naturally to you to think about the business-related aspects of your teaching. Things like insurance, taxes and budgets can take the back burner for a successful yoga teacher as you continue to focus on being the best teacher you can be.

But a good yoga teacher must also be a good business person and no matter where you are on your teaching journey, now is a good time to think about protecting yourself.

When you move from being a yoga practitioner to a yoga teacher, you open yourself up to some increased risks. That risk must be managed to ensure the health and longevity of your career.

But don’t let insurance worries interrupt your Shavasana. Yoga instructor liability insurance is the solution.

If you’ve never given a thought to your risk as a yoga teacher, you’re not alone. Yoga teacher training is deep in asana and the yoga philosophy, and depending on where you study, you may not have had any instruction about business or risk management.

The good news is your risks as a yoga instructor can be managed quickly, easily and with only a small cost.

Read on to learn everything you need to know about yoga instructor liability insurance.

What is Yoga Instructor Liability Insurance?

Simply put, yoga instructor liability insurance protects you if you are found responsible for injuring someone or damaging someone’s property. It can seem like these things are far-fetched, but with more and more people practicing yoga every day, the risk for teachers grows.

There are many risks yoga teachers face every day and most of them you probably don’t think about. If you protect yourself with yoga instructor insurance coverage you really shouldn’t have to think about risks.

Why Yoga Instructor Liability Insurance?

Yoga has become big business, a billion-dollar business to be precise. According to a study[1] by Yoga Journal and the Yoga Alliance, yoga practitioners spend $16.8 billion on classes, accessories and gear.

The number of yoga students is growing everyday with more people than ever practicing the ancient practice. The same survey found there are 36.7 million yogis in the United States. Further, 74 percent of those have been practicing yoga for fewer than five years.

Yoga injuries are on the rise

Yoga injuries are on the rise, especially among older adults.

A study[2] in the Orthopedic Journal of Sports Medicine, titled Yoga-Related Injuries in the United States From 2001 to 2014, found that there were 29,590 yoga-related injuries seen in hospital emergency departments from 2001 to 2014.

Yoga injuries became almost twice as common in 2014 as in 2001. As if that increase isn’t enough, among senior citizens, yoga injuries skyrocketed: During the same time, the rate of yoga injuries among adults 65 and older increased more than eightfold.

There are professional risks

Even yoga teachers face risk in their profession. There is the chance of a student injury, someone else’s property getting damaged, or even claims of slander or libel.

We live in a litigious society

No one and no one profession is immune from getting slapped with a lawsuit. The costs for small businesses – including yoga instructors – are high and can be impossible to recover from. The cost to defend a typical lawsuit[3] can range from $3,000 – $150,000.

The Two-Fold Anatomy of Yoga Instructor Liability Insurance

Yoga instructor liability insurance is made up of two major types of liability insurance – commercial general liability insurance – sometimes referred to as “slip and fall” insurance and professional liability insurance which covers claims arising out of your actual teaching.

The two coverages are grouped together and referred to as yoga instructor liability insurance. You can think of them as the two wings of insurance that protect your teaching practice.

So, what exactly do you get when you purchase yoga instructor insurance? Here is a breakdown of the coverages and how they respond to protect you and your profession.

Yoga Instructor Liability Insurance: Protection from General Liabilities

As stated, general liability insurance is the most basic type of liability insurance. This affordable insurance protects you from accidents that occur on the premises where you teach, or if someone’s property is damaged on the premises.

This coverage may be required if you are going to open a studio in a rented space or teach at a special event or symposium.

What it includes and How it Applies:

Bodily Injury Liability

Bodily injury liability protection is part of general liability coverage. This coverage protects you if you are found responsible for someone injuries. Bodily injury liability protects you from things like slips and falls or damage to someone’s property on the premises where you are teaching.

Remember that general liability is for general liabilities. This doesn’t cover you for injuries or damages that arise from your actual teaching. For that, you need professional liability insurance, which we’ll get to in a minute.

Property damage liability

Property damage liability coverage protects you if someone’s property is damaged on the premises where you teach. An example may be a client’s designer purse is ruined when a water leak erupts in the locker room. Property damage liability is going to protect you from those costs.

Personal and Advertising Injury

Personal and advertising injury coverage responds to claims of libel, slander or copyright infringement.

Medical Payments

Medical payments coverage is available even if there is no lawsuit. The coverage pays for medical costs if someone is injured on your premises.

Yoga Instructor Liability Insurance: Protection from Professional Liabilities

Professional liability insurance covers you for claims made related to your profession. This is the coverage that is specific to your teaching.

Professional liability insurance protects you from claims arising from your professional services – teaching yoga or yoga teacher training. It kicks in to protect you from claims of injury, libel, slander or copyright infringement. It is a must have coverage for today’s yoga instructor.

The coverage extends to include cover for: Defense Costs

If a claim is made against you, defense costs coverage kicks in to defend you against the claim. This coverage is there no matter if the claim is legitimate or frivolous. For example, if a student claims they suffered an injury based on your instructions or assistance during a class, defense costs apply.

Libel or Slander

Yoga instructor insurance coverage protects you from claims of libel or slander. In today’s world of instant communication and social media, it’s easy to be caught in a misunderstanding. For example, a social media post about a studio or teacher can be taken out of context and you can end up being sued for slander. Professional liability insurance defends you against such cases.

Other Perks that Come with Yoga Instructor Liability Insurance

Your policy will follow you anywhere you go. If you decide to sub for a friend at a studio across town, your yoga instructor liability policy goes with you. Want to teach at an out of town conference – you’re covered.

The coverage is affordable

Yoga instructor liability insurance costs are low. In fact, it’s one of the most affordable types of insurance you can purchase.

It gives you peace of mind

Being insured properly offers peace of mind. You can teach freely and enjoy your work knowing that you’re covered if something goes wrong.

Protects your yoga business

Proper yoga instructor liability insurance helps to protect you and your business. Accidents and lawsuits happen to the best business people. Having the proper insurance in place means that you can continue your work even if you encounter a worst-case-scenario.

Embrace the Calling and Get Yoga Instructor Liability Insurance

As a yoga instructor, you are a professional teacher imparting instruction and advice. It’s a noble and satisfying career path, but like any other profession, it comes with liabilities.

Don’t let the liabilities stop you. Get informed and protect yourself. Having the proper yoga instructor insurance and professional liability insurance is an investment that you can’t afford to not make.

Click here to purchase coverage quickly and easily. Coverage confirmation is available immediately.

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

 


[1] Yoga Journal, (2016). 2016 Yoga In America Study. [online] Available at: http://media.yogajournal.com/wp-content/uploads/2016YIAS-Release-Final.pdf [Accessed 3 Aug. 2018].

[2]  Sawin, T. and McGwin, G. (2016). Yoga-Related Injuries in the United States from 2001 to 2014. Orthopaedic Journal of Sports Medicine. [online] Volume 4(11). Available at: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5117171/ [Accessed 3 Aug. 2018].

[3] Klemm Analysis Group. (2005). Impact of Litigation on Small Business. No. 265. [pdf] Washington, DC: SBA Office of Advocacy, page 3. Available at: https://www.sba.gov/sites/default/files/files/rs265tot.pdf

 

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
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 Ortiz
Wayleen Ortiz
04:36 15 Oct 21
Julia Georges-Louis
Julia Georges-Louis
22:28 29 Sep 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 1776
AmeriCreed 1776
15:42 23 Sep 21
MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
THEODORE WELLS
THEODORE WELLS
19:49 09 Sep 21
Daniel Patrick Sullivan
Daniel Patrick Sullivan
16:49 07 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 Doe
Dissent Doe
22:21 02 Sep 21
Sheree Williams
Sheree Williams
19:39 27 Jul 21
Eugene was Awesome!!!!
Lakesha G
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
Lane
18:22 22 Jun 21
Jugrid Ombisi
Jugrid Ombisi
16:26 15 Jun 21
Done in less than an hour!
William Opperman
William Opperman
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 Jones
Brenda Jones
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 Solberg
Arik Solberg
16:34 10 May 21
Adj Ako
Adj Ako
16:47 05 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 Perez
Elba Perez
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 Martinez
Casper Martinez
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 Films
Poetic Films
21:00 07 Apr 21
Sandra Darjean-Murphy
Sandra Darjean-Murphy
17:48 31 Mar 21
Jusephine Ghong
Jusephine Ghong
17:58 23 Mar 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 Behm
Franklin Behm
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V Lapierre
Cassiopée V Lapierre
23:13 09 Mar 21
S & S Professional care llc Home Health Agengy
S & S Professional care llc Home Health Agengy
04:15 24 Feb 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie Woodruff
Stephanie Woodruff
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 Perez
Esined Perez
23:32 17 Feb 21
DIVINE FIJIANS HOME CARE SERVICES
DIVINE FIJIANS HOME CARE SERVICES
22:49 05 Jan 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 Wajdula
Joe Wajdula
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 Word
Lisa Word
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda hale
rhonda hale
23:26 12 Nov 20
Owner (LPN)
Owner (LPN)
23:19 06 Nov 20
Cincere Browdy
Cincere Browdy
15:16 29 Oct 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 Sutton
Fran Sutton
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 Day
Aileen Day
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 Harris
Michele Harris
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 Rose
Christina Rose
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 Sloan
Nancy Sloan
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 jones
hope jones
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela Curry
Pamela Curry
16:45 24 Aug 20
Cameron Peek
Cameron Peek
19:25 24 Jul 20
Great and fast service!!!! The representative was very professional!!!!
Tanya Sweet
Tanya Sweet
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 Smith
Jimmy Smith
19:01 14 Jul 20
Great service, but they're also extremely patient. I called over a month ago for specialized E & O coverage, and Bizinsure was able to put me in touch with an extremely reasonable quote. Absolutely invaluable time and monetary savings to be had by going through these folks. If you can-- ask for Anthony. Absolute gem of a human.
James Lang
James Lang
18:19 02 Jul 20
Ken M
Ken M
23:21 28 Jun 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda Gray
Rhonda Gray
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul Rising
Paul Rising
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 Smith
Kristene Smith
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 Hall
Fre Hall
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 Torres-Gale
Dawn Torres-Gale
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.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
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. Atallah
Dr. Youssef C. Atallah
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 Mariscal
Josh Mariscal
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 Young
Allison Young
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 Wallace
Mark Wallace
23:42 13 Nov 17
Daniel Scott
Daniel Scott
15:15 27 Jun 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 Blair
Graham Blair
22:12 23 Jun 17
js_loader

Popular Searches