Similar to personal trainers and fitness instructors, you also need insurance. Yoga instructor insurance provides a wide range of protection. This guide discusses the limits and functions of policies you can avail of, how much premiums cost, and where to get the best coverage. Understand that protection is important because you never know when the unfortunate can happen and devastate your income as a greenhorn yoga instructor or startup yoga studio.
Yoga-similar to zumba, CrossFit, aerobics, spinning, or pilates-can cause harm. Students who get injured during the class can file a claim and accuse you of giving incorrect instructions or not paying adequate attention. Here are some examples:
A student filed a claim against her yoga instructor who allegedly caused injuries by invasive yoga methods and negligent teaching
A yoga studio was sued for negligence and willful misconduct after a 49-year-old attendee died during a paddleboard yoga session
A yoga studio was sued by a Santa Rosa man after sustaining injuries caused by invasive physical manipulation
Studio and yoga teacher professional liability insurance grants a shield against the hefty costs of malpractice and negligence claims. This provides $2 million-$3 million you can use to cover:
Settlements
Defense costs
Court judgments
The professional liability policy of yoga studio and yoga instructor liability insurance packages is underwritten as a per-occurrence policy. This means that it can provide coverage during and after its effective duration.
Note that this yoga liability insurance for malpractice doesn’t cover sexual misconduct, molestation, and bodily injuries or property damage caused by accidents.
Nonetheless, it’s possible for professional liability insurance to be comprehensively underwritten that it will also cover these perils and provide a $500 reimbursement for lost income when you attend a trial.
Students can get injured during the session not because of your mistake or negligence but because of accidents. Here are some examples:
A student sustains rashes after using the yoga mat and blames you for it
A student steps on a yoga roller and falls on the floor
Your student is using a yoga strap. It slips and whips the student’s face
Add a general liability policy to your yoga insurance program. Professional liability insurance doesn’t cover bodily injuries or property damage as a result of accidents.
General liability insurance for yoga teachers and yoga studios grants $2 million-$3 million that can be used to cover:
Medical expenses of the claimant
Reimbursements for the property of the claimant that got damaged or disappeared during the class
Settlements
Investigation fees, court filing fees, and other defense costs
Court judgments
You can use a general liability policy as yoga insurance for online classes. It’s because this comes with advertising injury coverage that covers defense costs and settlements if you use copyrighted music, photos, and other media during the online class.
By the way, the general liability policy of most yoga studio and yoga teacher liability insurance programs also gives these additional perks:
$2 million for products and completed operations
$300 indemnification to the landlord if a rented commercial space gets damaged by fire
$1 million-$2 million for the bodily injuries or property damage caused by a hired or rented auto
Comprehensive yoga insurance packages allow you to add an equipment floater to a general liability policy.
So what does an equipment floater do? This covers mats, exercise equipment, and weights that get lost or damaged due to:
Theft
User error
Vandalism
Mechanical breakdown
Electrical surge
Electrical shorts
You must know that an equipment floater doesn’t only protect yoga equipment currently with you. Coverage also applies to weights, exercise equipment, and other valuables that are in transit.
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Making a yoga studio costs $50,000 or more. It’s not cheap. And it’s good to get your studio insured. Add a commercial property insurance to your yoga studio and yoga teacher insurance plan.
It’s easy to understand how commercial property insurance works. This yoga studio insurance covers repair or reconstruction by reimbursing your losses if the yoga studio gets destroyed or damaged by:
Fire
Theft
Vandalism
Riot
Civil commotion
Malicious mischief
Impact
Vehicle
Aircraft
Volcanic action
Sinkhole collapse
Winds
Hail
Snow
Rain
Sprinkler leakage
Similar to the commercial property insurance of gyms and dance studios, your business’s commercial property insurance will also cover contents.
And so, you enjoy reimbursement for losses if yoga mats, yoga rollers, computers, furniture, HVAC units, sound systems, and other valuables inside the studio get lost or damaged due to fire, theft, and other perils we mentioned above.
Yoga isn’t only perilous to students but also to teachers. It’s common for yoga professionals to experience injuries in the lower back, neck, hamstring, knees, shoulders, and other parts of the body.
Get worker's compensation insurance. If you or employees sustain a work-related injury or disease, this will cover the following expenses:
Surgeries, first aid, EMT service, and other costs for medical treatment
Inpatient hospital bills
Prescription medicines
Rehabilitation and retraining
Lost wages
Funeral expenses and allowance to dependents in case of death
Workers' compensation insurance provides automatic coverage to part-time employees and full-time employees. While buying the policy, you can choose to exclude or include yourself as an insured. Independent contractors can be named as additional insureds.
Yoga teachers and yoga studios pay $28 per month or $336 per year for a $1 million general liability insurance. This yoga studio and yoga teacher insurance cost estimate assumes a business profile of 5 employees and $500,000-$750,000 annual revenue.
Factors that affect the yoga teacher and yoga studio insurance cost are business location, number of employees, claims history, revenues, business history, and more. Here’s a table showing the rates of the best yoga teacher insurance USA carriers:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $8 | $96 | Best overall; Fastest general liability insurance for yoga teachers |
| CoverWallet | $10.62 | $127.44 | Yoga teacher insurance quotes comparison online |
| Tivly | $12 | $144 | Comparing yoga insurance quotes over the phone |
| Thimble | $14.21 | $170.52 | On-demand yoga insurance by the hour, weeks, days, or months |
| Hiscox | $16.21 | $194.52 | Liability insurance with worldwide coverage for yoga teachers |
| State Farm | $19 | $228 | Large yoga studios |
| Yoga Alliance | $20 | $240 | Yoga teacher insurance with HIPAA coverage |
| Beyogi | $22 | $264 | Teaching yoga online insurance |
| Alliant | $25 | $300 | Individuals who’ve been certified through Yoga Alliance |
| Yoga Journal | $26 | $312 | Full-time and part-time yoga instructors |
| Philadelphia Insurance Companies | $30 | $360 | Online and aerial yoga instructors |
| NACAMS | $33 | $396 | Group yoga instructors and studio teachers |
| Alternative Balance | $36 | $432 | Yoga teachers who own studios |
Get cheap yoga insurance by paying higher deductibles, having students sign-off liability waivers, and bundling one or more policies. You can also compare quotes. Start by clicking the “Get Quotes” button on this page.
Get all the best quotes from leading providers in a click of a button!
These are the insurance companies offering the best yoga teacher insurance. Read to know their pros, cons, and rate for a $1 million general liability coverage.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for yoga teachers
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT’s yoga insurance includes general liability, commercial property, and workers compensation insurance. Work with NEXT if you’re looking for an insurance company that offers a very intuitive certificate of insurance for customers.
You can enjoy inexpensive yoga teacher insurance coverage with this company. Bundle two or more insurance policies to get a 10% discount on premiums. Further discounts apply if your studio is made out of non-combustible materials.
Best for: Best overall; Fastest general liability insurance for yoga teachers
Average cost: $8 per month
Our rating: 10/10
Yoga general liability insurance comes with products and completed operations coverage
Cancel your policy anytime
Offers a custom plan
Compare yoga insurance quotes online
Doesn’t underwrite its own yoga teacher insurance
CoverWallet is a broker that customizes the quotes of different yoga insurance companies to give you tailored coverage. To get covered, you have to use this company’s online quotes comparison platform first to view custom quotes that can be purchased online or by talking to a representative.
Best for: Yoga teacher insurance quotes comparison online
Average cost: $10.62 per month
Our rating: 10/10
Call and compare yoga insurance quotes over the phone
Responsive customer service
A partner of many reputable insurance companies
You need to call to get a quote
Consider Tivly (formerly CommercialInsurance.NET) if you’re looking for a quick coverage that’s one call away. A representative of this company will take you to the best options and provide the specifics of your coverage. Call Tivly now to compare yoga insurance quotes over the phone and get covered.
Best for: Comparing yoga insurance quotes over the phone
Average cost: $12 per month
Our rating: 10/10
Short-term yoga insurance
On-demand coverage
Equipment floater on general liability insurance with customizable limits
Claims can only be filed via the Thimble app
Thimble’s yoga insurance includes general liability and professional liability insurance. Get insured by this company if you only want to get covered for only hours, days, weeks, or months.
Best for: On-demand yoga insurance by the hour, weeks, days, or months
Average cost: $14.21 per month
Our rating: 9/10
Has a lot of tailored insurance products useful for yoga teachers
Liability policies have a coverage limit more than $2 million
Not so enticing in terms of customer service
You can get liability policies with $300,000-$2 million coverage from Hiscox. Additionally, Hiscox also offers tailored insurance plans such as commercial fleet insurance, cyber insurance with business income protection, and commercial property insurance with optional policies.
Hiscox’s general liability and professional liability insurance provides coverage even if a covered peril happened abroad. And so, it’s a great option for international yoga teacher insurance.
Best for: Liability insurance with worldwide coverage for yoga teachers
Average cost: $16.21 per month
Our rating: 9/10
Large insurer with lots of locations
Easy-to-use State Farm app to handle claims and billing
Great customer service and reputation
Doesn’t issue an online quote
State Farm is one of the oldest insurers in the United States and they have an excellent reputation for customer service. Another great benefit of State Farm is that it has offices around the country, so you’ll never have trouble getting in touch with an agent.
Although it doesn’t offer coverage specifically for yoga teachers, State Farm has affordable business liability insurance plans. These plans can be bundled with any additional State Farm policies such as home or auto insurance.
Best for: Large yoga studios
Average cost: $19 per month
Our rating: 9/10
Special rates for Yoga Alliance members
$1 million-$2 million coverage
HIPAA defense coverage included
Expensive for non-members
Yoga Alliance is one of the premier platforms for training and certifying yoga instructors. They’ve partnered with Alliant Insurance Group to give their graduate students amazing rates. Yoga Alliance liability insurance is designed for part-time or personal yoga instructors. Yoga alliance professionals insurance has a policy limit of $1 million-$4 million. You also get $100 coverage for sexual misconduct, HIPAA coverage, and more.
Best for: Yoga teacher insurance with HIPAA coverage
Average cost: $20 per month
Our rating: 9/10
500 modalities covered
Discounts for 2-year policy terms
Offers insurance for part-time and full-time teachers
Some customers can’t get their proof of insurance from this company
Beyogi yoga insurance consists of professional and general liability policies that have a $2 million per occurrence and $3 million aggregate limit.
Additional perks such as $100,000 rented premises liability coverage, $1,000 equipment floater, and $25,000 identity protection coverage are included in Beyogi insurance plus. You also get a free customizable website and discounts on yoga teaching software.
This company is a great option for online yoga teacher insurance, because it covers yoga instructors making money by live streaming their class or through pre-recorded videos.
Best for: Teaching yoga online insurance
Average cost: $22 per month
Our rating: 8/10
Works directly with Yoga Alliance
Policies for teachers and studios
Based in the U.K. However, they have US offices
Alliant Yoga Insurance is part of Yoga Alliance and is the intermediary that allows Yoga Alliance members to access insurance through Lloyd’s of London- a 300-year-old insurance agency that provides business insurance around the world and in the United States. Yoga Alliance/Alliant members get special pricing.
Best for: Individuals who’ve been certified through Yoga Alliance
Average cost: $25 per month
Our rating: 8/10
Insurance comes with perks that improve your work
Discounts on premiums
Instant coverage
Yoga insurance covers perils that happen on retreats, workshops, and yoga special events
Doesn’t underwrite its yoga insurance
Yoga Journal partners with Lockton Affinity to provide a package coverage for yoga teachers. Choose between full-time, part-time, yearly, and monthly membership insurance plans that grant different kinds of perks to improve your work. Yoga journal liability insurance for malpractice and third-party bodily injuries or property damage has a $2 million per occurrence limit.
Best for: Full-time and part-time yoga instructors
Average cost: $26 per month
Our rating: 8/10
20 years of experience in underwriting insurance for yoga instructors
Coverage available for a wide range of yoga styles
Yoga retreat coverage
1 star average rating from 23 reviews on Yelp
Philadelphia yoga insurance is a specialized coverage from Philadelphia Insurance Companies (PHLY). This carrier covers all kinds of yoga practices and is a great option for aerial yoga insurance and online yoga insurance.
Yoga teacher insurance from Philadelphia Insurance Companies provides a comprehensive general liability and professional liability policy with up to $2 million per occurrence limit.
Best for: Online and aerial yoga instructors
Average cost: $30 per month
Our rating: 7/10
Covers all styles of yoga
US-based insurer
Part-time and full-time policies are available
Unclear pricing for various coverage options
NACAMS covers over 350 different styles of yoga and provides a professional liability insurance policy for individuals who are looking to open up their own small studios or personal yoga instruction businesses. They pride themselves on their customer service and offer a number of teacher resources.
Best for: Group yoga instructors and studio teachers
Average cost: $33 per month
Our rating: 7/10
Customized plans for all yoga businesses
Business management resources for yoga studio instructors
Instant coverage upon application
Doesn’t include a workers compensation insurance policy in its specialized insurance for yoga studios and teachers
If you own or are trying to start a large yoga studio, then Alternative Balance is able to provide instant coverage, no matter what your situation is. They provide a wide range of policy plans that cover everything from general liability to personal indemnity insurance. Additionally, they also provide their policyholders with lots of teaching and business management resources in order to set you up for success.
Best for: Yoga teachers who own studios
Average cost: $36 per month
Our rating: 7/10
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!
It really can't get any better than this... wow
Not all those who wander are lost.
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