Professional Liability Insurance for Yoga Teachers And Studios

Yoga-similar to zumba, CrossFit, aerobics, 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.

General Liability Insurance for Yoga Instructors And Studios

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

Equipment Insurance for Yoga Teachers And Yoga Studios

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.

Commercial Property Insurance for Yoga Studios And Teachers

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 Workers Compensation Insurance

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.

Cost Of Insurance for Yoga Teachers And Yoga Studios

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.

Best Yoga Teacher Insurance

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.

NEXT Yoga Teacher Insurance

Pros

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

Cons

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

CoverWallet Yoga Teacher Insurance

Pros

Yoga general liability insurance comes with products and completed operations coverage
Cancel your policy anytime
Offers a custom plan
Compare yoga insurance quotes online

Cons

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

Tivly Yoga Teacher Insurance

Pros

Call and compare yoga insurance quotes over the phone
Responsive customer service
A partner of many reputable insurance companies

Cons

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

Thimble Yoga Insurance

Pros

Short-term yoga insurance
On-demand coverage
Equipment floater on general liability insurance with customizable limits

Cons

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

Hiscox Yoga Teacher Insurance

Pros

Has a lot of tailored insurance products useful for yoga teachers
Liability policies have a coverage limit more than $2 million

Cons

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

State Farm Yoga Teacher Insurance

Pros

Large insurer with lots of locations
Easy-to-use State Farm app to handle claims and billing
Great customer service and reputation

Cons

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

Yoga Alliance Insurance

Pros

Special rates for Yoga Alliance members
$1 million-$2 million coverage
HIPAA defense coverage included

Cons

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

Beyogi Insurance

Pros

500 modalities covered
Discounts for 2-year policy terms
Offers insurance for part-time and full-time teachers

Cons

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

Alliant Yoga Insurance

Pros

Works directly with Yoga Alliance
Policies for teachers and studios

Cons

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

Yoga Journal Insurance

Pros

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

Cons

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

PHLY Yoga Insurance

Pros

20 years of experience in underwriting insurance for yoga instructors
Coverage available for a wide range of yoga styles
Yoga retreat coverage

Cons

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

NACAMS Yoga Insurance

Pros

Covers all styles of yoga
US-based insurer
Part-time and full-time policies are available

Cons

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

Alternative Balance Yoga Insurance

Pros

Customized plans for all yoga businesses
Business management resources for yoga studio instructors
Instant coverage upon application

Cons

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