Tai Chi Instructor Insurance: Cost & Quotes From $25/mo

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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.

General Liability Insurance for Tai chi Instructors

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 Limit of General Liability Insurance for Tai Chi Instructors 

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. 


Specific Situations Where General Liability Insurance for Tai Chi Instructors Can Help

  • 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

Add-Ons to General Liability Insurance for Tai Chi Instructors

  • 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

Do I Need General Liability Insurance If I Already Have a Waiver for My Students to Sign?

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.


Professional Liability Insurance for Tai Chi Instructors

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.

Coverage Limits of Professional Liability Insurance for Tai Chi Instructors

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.

Specific Situations Where This Insurance Can Help

  • 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 

Add-Ons to Professional Liability Insurance for Tai Chi Instructors

  • 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 for Tai Chi Instructors

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. 


Coverage Limits of Public Liability Insurance for Tai chi Instructors

The coverage limits vary depending on the policy chosen by the instructor. The limits usually range from $1 million to $5 million.


What is the Difference Between Public Liability Insurance and Professional Liability Insurance for Tai Chi Instructors?

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. 


Tai chi master practicing on the grass.

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Commercial Property Insurance for Tai chi Instructors

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. 


Coverage Limits of Commercial Property Insurance for Tai Chi Instructors

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. 


Specific Situations where Commercial Property Insurance for Tai Chi Instructors Can Help

  • 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

Add-Ons to Commercial Property Insurance for Tai Chi Instructors 

  • 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

Does Commercial Property Insurance Cover Damage to My Training Equipment If I’m Teaching Outside of My Studio?

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. 


Business Owner’s Policy for Tai Chi Instructors

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.


Coverage Limits of Business Owner’s Policy for Tai Chi Instructors

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. 


Specific Situations Where This Insurance Can Help

  • 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

Add-Ons to Business Owner’s Policy for Tai Chi Instructors

  • 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

What Types of Businesses Are Eligible for a BOP?

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.


Tools and Equipment Insurance for Tai Chi Instructors

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. 


Coverage Limits of Tools and Equipment Insurance for Tai Chi Instructors

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. 


Specific Situations Where Tools and Equipment Insurance for Tai Chi Instructors Can Help 

  • 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

Add-Ons to Tools and Equipment Insurance for Tai Chi Instructors 

  • 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

Are There Any Specific Types of Equipment That Are Not Covered by This Insurance?

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 for Tai chi Instructors

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.

Add-Ons to Commercial Auto Insurance for Tai Chi Instructors 

  • 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

Do Tai Chi Instructors Need Commercial Auto Insurance If They Only Use Their Personal Vehicle for Business Purposes?

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 for Tai Chi Instructors

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.


Coverage Limits of Workers Compensation Insurance for Tai Chi Instructors 

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.


What Are the Penalties for Not Carrying Workers’ Compensation Insurance for Tai Chi Instructors?

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.

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Tai Chi Instructor Insurance Cost

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

Compare Cheap Tai Chi Instructor Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Tai Chi Instructor Insurance Companies

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. 


NEXT Tai Chi Instructors Insurance

Pros

  • 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

Cons

  • 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 Tai Chi Instructors Insurance

Pros

  • 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

Cons

  • 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 Tai Chi Instructors Insurance

Pros

  • 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

Cons

  • 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 Tai Chi Instructors Insurance

Pros

  • 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

Cons

  • 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 Tai Chi Instructors Insurance

Pros

  • 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

Cons

  • 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 Tai Chi Instructors Insurance

Pros

  • 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

Cons

  • 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

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