Yoga Insurance: Teacher, Instructor, Studio & More

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When most people think of yoga, they envision peaceful yogi’s stretching, meditating, breathing, and teaching their students how to do the same. Many aspiring yoga teachers also visualize something similar. As peaceful and relaxed as teaching yoga looks, though, teachers should also understand that they are also running a business. 

Just like any health and wellness-related business, like fitness business insurance, there’s always the possibility of an injury happening or an unsatisfied client trying to slander your name and reputation. This is why it’s important for all certified yoga teachers and professionals to maintain at least basic business insurance. 

As a personal yoga instructor, you can purchase a small, cheap yoga general liability insurance policy for less than what you spend on your afternoon lunch. If you instruct larger group classes or a yoga studio, then you can also opt to purchase a more comprehensive policy with higher coverage limits. 

In today’s article, we’re going to give you a brief overview of yoga insurance, coverage options, yoga insurance companies, costs and how to get inexpensive yoga teacher insurance. We promise that it’s a lot easier than it sounds! 

Yoga Instructor Liability Insurance: What is it?

Yoga teacher liability insurance is a general liability insurance policy that’s designed for yoga teachers and instructors specifically. This type of coverage is designed to cover you and your yoga business from occurrences, such as: 

• Students getting injured. 

• Loss of business due to natural disasters or pandemics. 

• Students purchasing defective products from your yoga business and attempting to sue you for that. 

• Employees or assistants getting injured in your studio or class 

Yoga Insurance Cost

In general yoga studio insurance cost will be more expensive than online yoga teacher insurance cost. As a physical studio, there’s more risk involved as your students are in your space, using your equipment. 

That said, here's a breakdown of the average yoga liability insurance costs for different yoga business types:

- Rates always vary depending on the particular business details

Do I Need Yoga Insurance for Online Classes? 

Many yoga teachers started online businesses during the pandemic. However, it is still important to purchase insurance for teaching yoga online. Although the risks are a lot lower than yoga classes that are being done physically in a studio or outdoor, there’s always the chance that you could have a dissatisfied customer who wants to take their anger out on you, and that's exactly what online yoga insurance coverage is for, it is also cheaper in most cases. 

Yoga Teacher Professional Liability Insurance

Yoga teacher professional liability insurance (PLI) can protect you, your reputation, and your bank account from customer claims and lawsuits. Also known as professional indemnity insurance (PII), or more widely as Errors & Omissions (E&O) insurance, this yoga ins coverage type covers the total cost of legal defense against any negligence claim filed by a customer, as well as any damages that are awarded on such lawsuit. 

Best Yoga Insurance

Whether you’re looking for teaching yoga insurance online, cheap yoga insurance, or you’re just wondering what yoga teacher insurance costs, we’ve got you covered! Check out our list of the best yoga teacher insurance for USA-based instructors and businesses. 

Yoga Alliance Insurance

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, while the Yoga Alliance Professionals insurance is geared towards those who want their own yoga studios or group classes. 

Pros:

• Special rates for Yoga Alliance members. 

• Personal and studio insurance. 

Cons:

• None. 

Best For: 

• Great for personal yoga instructors and studio instructors alike. 

Average Cost: 

• Premiums start at $110/year ($10/month). 

Rating: 5/5

Beyogi Yoga Insurance

If you’re looking for an all-inclusive yoga liability insurance policy, then you can’t go wrong with Beyogi insurance plus. Their coverage covers almost 500 modalities including yoga, massage, pilates, and other wellness solutions! Prices are affordable and everything is easy to access with their online platform. 

Pros:

• 500 modalities covered. 

• Low monthly premium. 

• Discounts for 2-year policy terms. 

• Offer insurance for part-time and full-time teachers. 

Cons:

• None. 

Best For: 

• Personal teachers and online yoga instructors. 

Average Cost: 

• Premiums start at $159/year for part-time teachers ($14/month). 

Rating: 5/5

Alliant Yoga Insurance

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 low-cost business insurance around the world and in the United States. Yoga Alliance/Alliant members get special pricing. 

Pros:

• Works directly with Yoga Alliance. 

• Low-cost insurance premiums. 

• Policies for teachers and studios. 

Cons:

• The insurance underwriter is based in the U.K. However, they have US offices. 

Best For: 

• Individuals who’ve been certified through Yoga Alliance. 

Average Cost: 

• $110/year ($10/month). 

Yoga Journal Insurance

If you’re looking for super-low-cost yoga studio or teacher insurance, then you should definitely check out yoga journal liability insurance. One of the best reasons to go with this provider is that they also provide their policyholders with a membership to Yoga Journal, where you can access hundreds of invaluable resources and network with other teachers. Like Alliant/Yoga Alliance, Yoga Journal insurance is also underwritten by Lloyds of London. 

Pros:

• Low-cost yoga teacher liability insurance. 

• Affordable yoga studio insurance. 

• Access to Yoga Journal teacher resources. 

Cons:

• The underwriting insurer is based out of the U.S. 

Best For: 

• Full-time and part-time yoga instructors. 

Average Cost: 

• Premiums start at $7/month for part-time instructors. 

State Farm Yoga Teacher Insurance

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 they have offices around the country, so you’ll never have trouble getting in touch with an agent. Although they don’t offer coverage specifically for yoga teachers, they do offer affordable business liability insurance plans. These plans can also be bundled with any additional State Farm policies you may have such as home or auto insurance. 

Pros:

• Large insurer with lots of locations and top reputation. 

• Easy-to-use State Farm app to handle claims and billing.

• Great customer service and reputation. 

Cons:

• More expensive than policies geared specifically towards the health and wellness industry. 

Best For: 

• Larger yoga studios. 

Average Cost: 

• General liability insurance plans start at $22/month but may be up to $100/month for larger businesses. 

Philadelphia Insurance Yoga

Philadelphia insurance is a reputable provider of small business insurance in the United States. They specialize in health and wellness-related businesses such as fitness coaching and insuring yoga instructors. Their rates vary from one state to another, depending on how much coverage you need, but overall, they have low costs. 

Pros:

• U.S.-based insurer. 

• Variable plans to fit your needs. 

• Offers risk management services. 

Cons:

• No access to additional resources. 

Best For: 

• Online yoga teachers and part-time instructors. 

Average Cost: 

• Premiums start at $125/year or $11/month for part-time instructors. 

NACAMS Yoga Insurance

NACAMS covers over 350 different styles of yoga and provides a professional 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. 

Pros:

• Covers all styles of yoga. 

• US-based insurer. 

• Part-time and full-time policies available. 

• Teacher resources. 

Cons:

• Unclear pricing for various coverage options. 

Best For: 

• Group yoga instructors and studio teachers. 

Average Cost: 

• Premiums start at $16/month. 

Alternative Balance Yoga Insurance

If you own or are trying to start a large yoga studio, then Alternative Balance is able to provide its clients with 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. 

Pros:

• Customized plans for all yoga businesses. 

• Business management resources for yoga studio instructors. 

• Instant coverage upon application. 

Cons:

• Designed for full-scale studios, no options for small, part-time instructors. 

Best For: 

• Business owners who want to own their own studio. 

Average Cost: 

• Annual costs start at $190/year ($15/month).