Insuranks
Insuranks

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

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Tai chi Instructors1.1. Coverage Limit of General Liability Insurance for Tai Chi Instructors 1.2. Specific Situations Where General Liability Insurance for Tai Chi Instructors Can Help1.3. Add-Ons to General Liability Insurance for Tai Chi Instructors1.4. Do I Need General Liability Insurance If I Already Have a Waiver for My Students to Sign?2. Professional Liability Insurance for Tai Chi Instructors2.1. Coverage Limits of Professional Liability Insurance for Tai Chi Instructors2.2. Specific Situations Where This Insurance Can Help2.3. Add-Ons to Professional Liability Insurance for Tai Chi Instructors3. Public Liability Insurance for Tai Chi Instructors3.1. Coverage Limits of Public Liability Insurance for Tai chi Instructors3.2. What is the Difference Between Public Liability Insurance and Professional Liability Insurance for Tai Chi Instructors?4. Commercial Property Insurance for Tai chi Instructors4.1. Coverage Limits of Commercial Property Insurance for Tai Chi Instructors4.2. Specific Situations where Commercial Property Insurance for Tai Chi Instructors Can Help4.3. Add-Ons to Commercial Property Insurance for Tai Chi Instructors 4.4. Does Commercial Property Insurance Cover Damage to My Training Equipment If I’m Teaching Outside of My Studio?5. Business Owner’s Policy for Tai Chi Instructors5.1. Coverage Limits of Business Owner’s Policy for Tai Chi Instructors5.2. Specific Situations Where This Insurance Can Help5.3. Add-Ons to Business Owner’s Policy for Tai Chi Instructors5.4. What Types of Businesses Are Eligible for a BOP?6. Tools and Equipment Insurance for Tai Chi Instructors6.1. Coverage Limits of Tools and Equipment Insurance for Tai Chi Instructors6.2. Specific Situations Where Tools and Equipment Insurance for Tai Chi Instructors Can Help 6.3. Add-Ons to Tools and Equipment Insurance for Tai Chi Instructors 6.4. Are There Any Specific Types of Equipment That Are Not Covered by This Insurance?7. Commercial Auto Insurance for Tai chi Instructors7.1. Add-Ons to Commercial Auto Insurance for Tai Chi Instructors 7.2. Do Tai Chi Instructors Need Commercial Auto Insurance If They Only Use Their Personal Vehicle for Business Purposes?8. Workers Compensation Insurance for Tai Chi Instructors8.1. Coverage Limits of Workers Compensation Insurance for Tai Chi Instructors 8.2. What Are the Penalties for Not Carrying Workers’ Compensation Insurance for Tai Chi Instructors? 9. Tai Chi Instructor Insurance Cost10. Best Tai Chi Instructor Insurance Companies10.1. NEXT Tai Chi Instructors Insurance 10.1.1. Pros10.1.2. Cons10.2. CoverWallet Tai Chi Instructors Insurance 10.2.1. Pros10.2.2. Cons10.3. The Hartford Tai Chi Instructors Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Tai Chi Instructors Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Tai Chi Instructors Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Tai Chi Instructors Insurance 10.6.1. Pros10.6.2. Cons

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)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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 NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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.