Tai Chi is a popular activity in the USA. Similar to yoga, it improves mobility, muscle strength, and mental health.
As a Tai Chi instructor, it's important to understand the importance of Tai Chi insurance. Tai Chi can become a perilous fitness activity when done wrong. This type of insurance policy provides protection for you and your clients in case of accidents or injuries that may occur.
Without adequate insurance coverage, you may be held personally responsible for any damages or injuries. Your Tai Chi gym and equipment might also get damaged. These can be financially devastating, which is why it's important to invest in Tai Chi instructor insurance.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
It's crucial for Tai Chi instructors to safeguard themselves and their business against possible legal actions or demands that may emerge due to mishaps or harm caused during their classes or gatherings. General liability insurance for Tai Chi instructors can provide coverage for these risks:
Bodily injury–If someone is injured during your class or event, this coverage can help pay for medical expenses, legal fees, and other related costs.
Property damage–If you or one of your students accidentally damages someone else's property during a class or event, this coverage can help cover the costs of repairs or replacement
Personal injury–If someone claims that you or your business committed libel or slander, this coverage can help protect you
Coverage limits of this Tai Chi liability insurance can vary depending on the insurance provider and the specific policy. Nonetheless, expect your general liability policy to have a $1 million-$2 million minimum per occurrence and aggregate limit.
A student slips and falls during a class, resulting in injuries that require medical attention
You accidentally knock over a valuable piece of artwork while setting up for a class, causing damage
You accidentally hit a student while demonstrating a routine
A student accuses you of making false statements that harm their reputation
HNOA coverage–This add-on allows general liability to cover accidents caused by a vehicle you hired or borrowed
Participant coverage–This provides coverage for injuries or damages that may be caused by one of your students to another student during a class or event
Yes, even if you have a waiver for your students to sign, general liability insurance is still important. A waiver can help protect you in some situations, but it may not cover all potential risks and may not hold up in court. General liability insurance provides an additional layer of protection for you and your business.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance, also known as errors and omissions insurance, protects Tai Chi instructors against liabilities that result from the professional services they provide. It provides coverage for claims arising from negligence, mistakes, or failure to deliver services that meet the expectations of their clients.
Professional liability insurance for Tai Chi Instructors typically provides coverage limits ranging from $100,000 to $2,000,000. The limit varies depending on the risk exposure of the Tai Chi instructor and the nature of their business.
A student gets hurt during a class due to your failure to properly supervise
A routine was too difficult. This in turn caused some students to sustain injuries
You failed to show up for a Tai Chi event. The organizers have to hire another instructor. They then sued you for financial losses
Abuse and molestation coverage–Abuse and molestation coverage can be added to professional liability insurance so that it covers claims for assault, sexual harassment, verbal abuse, and other offenses
Public liability insurance (PLI) is an insurance policy that protects Tai Chi instructors from claims made by third parties for injury or property damage caused during classes or events. This policy works similarly to general liability insurance. But note that coverage for reputational harm and advertising injuries is excluded.
The coverage limits vary depending on the policy chosen by the instructor. The limits usually range from $1 million to $5 million.
Public liability insurance covers third-party claims for injury or property damage, while professional liability insurance covers claims of professional negligence or errors and omissions. The former is more focused on accidents or incidents that occur during classes or events, while the latter is more focused on the instructor's professional conduct.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance is a policy that covers physical property owned by a business from damage or loss caused by fire, theft, vandalism, riot, lightning, hail, winds, and other covered perils. This type of Tai Chi insurance provides coverage for your physical assets, such as your studio or training equipment.
The coverage limit for commercial property insurance varies based on the value of your property. Nonetheless, the minimum amount of payout under commercial property insurance is $15,000-$25,000.
Fire damage to your studio or training equipment
Theft of your training equipment or other business assets
Natural disasters such as storms, winds, or lightning that cause damage to your property
Business interruption coverage–Helps cover lost income if your business is temporarily closed due to damage to your property
Equipment breakdown coverage–Helps to cover the cost of repairs or replacement if your training equipment breaks down or malfunctions
Yes, if your policy includes "off-premises coverage," it can provide coverage for your training equipment if it's damaged or stolen while you're teaching in another studio, at the park, or in an event venue.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy (BOP) combines different types of insurance coverage into a single package. Primary inclusions are general liability insurance, property insurance, and business interruption insurance. Consider getting a BOP if you want to enjoy the protection of multiple policies but don’t want to buy them individually.
The coverage limits for a BOP can vary depending on the specific needs of the business. However, they typically range from $1 million to $4 million for the general liability coverage and $25,000-$50,000 for the commercial property coverage.
A client is injured during a Tai Chi session and decides to sue the instructor for damages.
The business owner's property, including equipment and inventory, is damaged due to a natural disaster or other unforeseen event
Cyber liability insurance–This can protect the business from cyberattacks, data breaches, and other online threats
Workers' compensation insurance–This provides coverage for employees who are injured on the job
A BOP is designed for small to medium-sized businesses that meet certain eligibility requirements, such as having a physical location and not exceeding a certain number of employees or revenue. Tai Chi instructors who operate their own businesses may be eligible for a BOP, depending on their specific circumstances.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance is a type of insurance policy that covers damage, theft, or loss of tools and equipment used in a business. You can use this insurance to cover repair or replacement costs. It’s even possible to get a reimbursement for extra expenses if you need to rent equipment.
The coverage limits for tools and equipment insurance vary based on the type of policy and the specific needs of the instructor. Generally, policies offer coverage limits ranging from $2,500-$5,000 per covered item and a limit of $15,000-$25,000 for all items.
Damage to equipment due to mishandling, upset, or mischief
Theft or burglary of equipment
Loss of equipment due to natural disasters such as fire, lightning, or vandalism
Business interruption coverage to cover lost income if the instructor is unable to work due to equipment loss or damage
Inland marine coverage to protect equipment while in transit or away from the premises
Yes, some policies may exclude certain types of equipment, such as motor vehicles or specialized equipment used in a specific industry. It is important for Tai Chi instructors to carefully review their policy to ensure that all of their equipment is covered.
Commercial auto insurance is a type of insurance policy that provides coverage for vehicles used for business purposes, including those used by Tai Chi instructors for transporting students, equipment, or themselves to and from classes or events.
This insurance is made up of several coverages that work hand-in-hand to cover the different risks associated with vehicle ownership:
Auto liability coverage–Caters to the medical expenses of third parties that you injured in a vehicular accident
Collision coverage–Covers repair expenses if your vehicle got damaged after colliding with a car
Comprehensive coverage–Covers repair expenses if your vehicle got damaged due to fire, theft, vandalism, and other covered perils
Uninsured/underinsured motorist coverage–Pays your medical expenses if you get involved in a car accident caused by a driver with no insurance or doesn’t have adequate insurance
Medical payments coverage–Covers medical expenses for the instructor and passengers in the commercial vehicle if they are injured in an accident.
Rental reimbursement coverage for the cost of renting a vehicle if the instructor's vehicle is inoperable due to an accident or other covered event
Uninsured or underinsured motorist coverage to protect the instructor from damages caused by a driver who does not have sufficient insurance coverage
Yes, Tai Chi instructors who use their personal vehicle for business purposes may still need commercial auto insurance. Personal auto insurance policies typically exclude coverage for accidents that occur while the vehicle is being used for business purposes. Commercial auto insurance can provide coverage for these situations and protect the instructor from potential financial losses.
Workers' compensation insurance is a policy that covers an employee's medical expenses, lost wages, and other benefits in case of a work-related injury or illness. It is mandatory for most employers, including Tai Chi instructors, to carry this insurance to protect their employees.
The coverage limits for workers' compensation insurance vary depending on the state and the policy chosen by the employer. In general, the policy covers medical expenses, lost wages, disability benefits, and death benefits.
Failing to carry workers' compensation insurance can result in severe penalties, including fines, imprisonment, and being held liable for any injuries or illnesses suffered by employees. In some states, the penalties can include a stop-work order that halts the operations of the business until this Tai Chi insurance is obtained.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $38 | $456 | $0-$500 |
| Professional liability insurance | $42 | $504 | $500-$1,000 |
| Commercial property insurance | $50 | $600 | $1,000-$2,000 |
| Business owner's policy | $82 | $984 | $1,500 |
| Tools and equipment insurance | $40 | $480 | $500-$1,000 |
| Commercial auto insurance | $55 | $660 | $500-$1,000 |
| Workers compensation insurance | $60 | $720 | $2,500-$5,000 |
The average Tai Chi instructor insurance cost is $38 per month or $456 per year for a $1 million general liability insurance. Some factors that may affect the cost include the size of the class, the experience and qualifications of the instructor, the location of the class, and the types of activities involved. It is important for Tai Chi instructors to carefully consider their insurance needs and shop around to find the best coverage and rates for their specific situation.
In connection, here’s a table showing the rates of companies we recommend for the best Tai Chi instructor insurance:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $20 | $240 | Best overall; Fastest general liability insurance for Tai Chi instructors |
| CoverWallet | $25 | $300 | Comparing Tai Chi instructor insurance quotes online |
| Tivly | $30 | $360 | Comparing Tai Chi instructor insurance quotes over the phone |
| Thimble | $45 | $540 | Short-term general liability insurance for Tai Chi instructors |
| The Hartford | $50 | $600 | Tai chi instructors seeking a reputable insurance provider with customizable coverage options |
| Hiscox | $50 | $600 | Tai Chi instructor insurance that renews automatically every year |
Get all the best quotes from leading providers in a click of a button!
The best Tai Chi instructor insurance companies offer coverage that protects instructors and their businesses against a range of risks, including liability, property damage, and workers' compensation. Here are some of our picks. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for Tai Chi instructors
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is an online insurance provider that offers a range of coverage options for small businesses, including Tai Chi instructors.
Best for: Best overall; Fastest general liability insurance for Tai Chi instructors
Average cost: $20 per month
Our rating: 10/10
CoverWallet offers a user-friendly platform that simplifies the insurance purchasing process
Their policies are customizable and can be tailored to the specific needs of Tai Chi instructors
They offer affordable coverage options that can fit within a small business's budget
Some policyholders have reported difficulty getting in touch with customer service representatives.
CoverWallet is a digital insurance platform that offers a wide range of insurance options for small businesses, including Tai Chi instructors. They offer general liability, professional liability, and workers' compensation insurance, among others.
Best for: Comparing Tai Chi instructor insurance quotes online
Average cost: $25 per month
Our rating: 10/10
The Hartford has a long history of providing reliable insurance coverage
They offer customizable policies that can be tailored to the specific needs of Tai Chi instructors.
Their customer service is highly rated and responsive to policyholders' needs
Their policies may be more expensive than other insurance providers
The Hartford is an insurance provider that offers a range of insurance options, including general liability, professional liability, and workers' compensation insurance, among others. They have been in business for over 200 years and have a strong reputation in the industry.
Best for: Tai Chi instructors seeking a reputable insurance provider with customizable coverage options
Average cost: $50 per month
Our rating: 10/10
Tivly offers affordable insurance coverage options that can fit within a small business's budget
Their policies are customizable and can be tailored to the specific needs of Tai Chi instructors
They offer a user-friendly platform that simplifies the insurance purchasing process
Some policyholders have reported difficulty getting in touch with customer service representatives
Tivly is an online insurance provider that offers a range of insurance options, including general liability, professional liability, and workers' compensation insurance, among others. They specialize in providing insurance coverage to small businesses and entrepreneurs. Call a representative now to compare quotes over the phone.
Best for: Comparing Tai Chi instructor insurance quotes over the phone
Average cost: $30 per month
Our rating: 10/10
Thimble offers on-demand insurance coverage that can be purchased by the hour, day, or month
Their policies are customizable and can be tailored to the specific needs of Tai Chi instructors
They offer a user-friendly platform that simplifies the insurance purchasing process
Their policies may be more expensive than other insurance providers
Thimble is an online insurance provider that offers on-demand insurance coverage for small businesses, including Tai Chi instructors. They offer general liability and professional liability insurance, among other types of coverage.
Best for: Short-term general liability insurance for Tai Chi instructors
Average cost: $45 per month
Our rating: 8/10
Hiscox has a long history of providing reliable insurance coverage
They offer customizable policies that can be tailored to the specific needs of Tai Chi instructors
Their customer service is highly rated and responsive to policyholders' needs
Their policies may be more expensive than other insurance providers
Hiscox is an insurance provider that offers a range of insurance options, including general liability, professional liability, and workers' compensation insurance, among others. They have been in business for over 100 years and have a strong reputation in the industry.
Best for: Tai Chi instructor insurance that renews automatically every year
Average cost: $50 per month
Our rating: 8/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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