Despite a yoga instructor's best efforts to teach safe yoga practices, injuries do happen. And they can be financially devastating without the backing of a solid insurance plan. Even if your studio covers you, it's important to have personal coverage because other employees can exhaust the studio's aggregate total.
In addition to liability insurance, you get a free website, identity theft protection, and tons of discounts on yoga equipment, retreats, yoga software, classes and more.
Policy Details + Benefits
Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
Personal Injury and Advertising Injury: $2 Million
Coverage For 500+ Services
Occurrence Form Coverage
Livestreaming & Pre-recorded Classes Covered
Nationwide Protection
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, & beauty modalities like yoga therapy, Pilates, hot stone, reiki, cupping, yoga life coaching and more.
Coverage that Follows You
You are covered wherever you teach: in-studio, outside, private lessons, online livestreaming, and pre-recorded video. Plus get an instant certificate and proof of insurance as soon as you checkout.
Member Benefits
Get free member benefits such as an easy-to-customize website, discounts on yoga software, retreats, classes, and continuing education.
Insurance Marketplace
Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay.
Spinal Flow Sports Massage Spotlight Cycle St. John Neuromuscular Therapy Steamy Wonder System Stone Therapy Strain-Counterstrain Structural Energetic Therapy® Structural Integration Swe-Thai Massage Swedish Massage Tapping Techniques (EFT) Tellington Touch Tension & Trauma Releasing Exercises (TRE) Temporomandibular Therapy Thai Herbal Compress Technique Thai Massage Thai Yoga Massage Therapeutic Touch Thumper Massage Tian Di Bamboo Massage Tibetan Cranial Tibetan Massage TimTam Touch For Health Touch to T.E.A.C.H. Trager Work Trauma Touch Therapy Trigger Point Therapy Tsubo Point Therapy Tuina Tuning Forks Vedic Massage Vibrational Healing Massage Therapy Visceral Manipulation (Internal Organ Massage) Warm Bamboo Massage Wurn Technique Yamuna Body Rolling Zen Shiatsu Zero Balancing Zone Therapy Postural Integration Rubenfeld Synergy Method Russian Massage Rys Thomas Energy Medicine Schulman Therapy Seated Massage Shen Jing Acupressure YoMassage Yuen Method
Fitness Modalities
20/20/20 Active Isolated Stretching Aerobics Aqua Fit Aquatic Exercise ARC Technique Assisted Stretching Aston Patterning Ballyx Barre BFR Topicals Biodanza Body Beast Body Image Enrichment Body Talk Body-Mind Centering BollyX Bonnie Bainbridge Cohen System Budokon Cardio Cardio Kickboxing (non-contact) CardioCore Children's Fitness Circuit Training Cize
CORE Bodywork Core Energetics Cross Training Curves Dancercize
Electrolysis Energy Balancing Feldenkrais Method Forearm Dance Technique Group Fitness Gyrotonic HIIT Training Insanity Kettlebell Kickboxing (non-contact) Kinesiology Kinesiology Taping Les Mills Programs MELT Method Mentastics Min Spin Muscle Activation Technique Muscle Energy Technique Myotherapy Orangetheory Fitness P90X
Pilates Pilates Reformer Pilates Apparatus PiYo Power Stretch Practical Movement Pump Push Therapy Qigong Range of Motion Rossiter Stretching SilverSneakers® Spinning Stroller Strides® Stretching Techniques Tae Bo Tai Cheng Tai Chi Tension & Trauma Releasing Exercises (TRE) Total Body Balancing TRX Group Suspension Training WATSU® White Lotus Yoga Fit® Personal Training Zumba®
Body Sculpting - Noninvasive Chemical peel (no lasers) Chemical wave Children's Services Cold Light Series 6 Facials Color consultations Color Light Therapy Conditioning Treatments Cosmetic massage Cosmetologists Cupping
Hydrofacials Ionic Footbath LED Light Therapy Lypossage Make-up Artists Manicures Men's Grooming Microblading* Microcurrent services Microdermabrasion Microneedling Microshading Nail art Nail extensions Nail repair Ombre Brows
Oxygen Infusion Facial Painting Palm Rolling Paraffin pedicures Pedicures Permanent hairstyle Polish Razor Cuts Red Light Therapy Saline Microblading Removal Salt scrub Salt therapy Shampooing Shaving Skin peels Spray Tanning/Sunless Tanning Stencil Design Straightening Sugar Scrub Sunless tanning Thermal styling Topicals Ultra sonic facial Ultra sound facials Varnish Venus freeze Vitamin C Peels Waves Waxing Weave / Hair Extensions Wet styling Wig stylist Youth Nails
Frequently Asked Questions
How much does yoga teacher insurance cost?
Yoga insurance varies from company to company depending on the coverage and limits of your specific policy. Most companies offer yoga liability insurance from between $179 and $400 annually.
It is important to weigh the coverage limits and included benefits to determine what policy and company is best for you. You want to make sure that your policy provides both professional liability and general liability coverage. Discover how to spot a good price to coverage ratio by reading our yoga teacher insurance cost guide. We also have a post on tips for finding an inexpensive policy.
What modalities are covered by yoga liability insurance?
Do I need yoga teacher insurance if I am working in a studio?
Many studios require their teachers to carry their own yoga instructor insurance.
Even though you are working as a yoga instructor at a studio that carries liability insurance, that doesn’t mean you are protected under that policy. You need to protect yourself and your practice in case something does happen. Read more reasons why you need liability insurance if you work in a yoga studio.
How do I find the best yoga insurance for me?
Insurance can vary greatly from provider to provider. It is important to take the time to do some research and determine what might be the best fit for you. The last thing you need or want as a yoga teacher is an expensive liability insurance policy. Or even worse, one that does not provide the levels of coverage and benefits you should have protecting you. But, deciding on a good yoga insurance policy for your needs can feel overwhelming. Follow these steps to help make the determination:
How much coverage should I have for my yoga liability insurance?
The recommended coverage levels for professional and general liability insurance is $2 million per occurrence and at least a $3 million annual aggregate.
Not all policies are created equal and it's recommended to do your research into the companies occurrence form policy as well. At beYogi we make it easy, and are here to answer any questions that you have. Give us a call or contact us online today.
As a yoga teacher, what kind of insurance do I need?
The two most important types of insurance to carry as a yoga instructor are general liability (slip and fall) coverage and professional liability (malpractice). These will cover you in case of an unfortunate event where one of your students is injured. Whether that be an injury from tripping over something and falling or a claim of negligence by one of your students.
Look for a yoga liability insurance provider, like beYogi, that covers both professional and general liability under one policy. You’ll also enjoy additional coverages like those mentioned above. With our policies, you are also not limited to the number of modalities covered by your policy.
What is the difference between general & professional liability?
As a yoga teacher, it is very important to have both general liability insurance and professional liability insurance coverage. Make sure when you are looking for coverage policies that you opt for one that provides both of these. General liability insurance, often referred to as “slip and fall” insurance, covers you against any third-party claims for injury or property damage. If for instance, there is sweat or water on the floor of the studio you are teaching at and a student slips and injures themselves you are covered.
Professional liability insurance is a little different and sometimes referred to as “malpractice insurance”. This coverage will protect you against any third-party claims that your posture correction or instruction led to an injury. For example, if a student did not fully understand your explanations of a pose and because of that, they injured themselves.
Both of these scenarios are possible in your day to day yoga practice so you want to make sure you are fully covered by your yoga insurance for both types of liability.
When is yoga insurance for teachers necessary?
You should strongly consider purchasing liability insurance for yoga instructors as soon as you begin your professional career. The best bet is to look into getting coverage as a teaching student. Many programs offer discounted rates for students. Then you know you’ll be covered during your training time as well as when you get out on your own. Read on to find out why yoga teachers need liability insurance now more than ever.
Am I covered if I teach at various locations?
The great thing is, your liability insurance goes with you no matter where you are teaching. Rest easy knowing you are protected. You're covered whether you teach at a yoga studio, outdoor park, fitness center, festival, someone's house or all of the above.
Should I get liability insurance if I am a student in yoga teacher training?
We strongly encourage you to be covered by yoga liability insurance even as a student. Accidents or situations can happen at any time and you you may not be protected under your school, institute, or studio’s insurance policies.
beYogi offers discounted rates for students. Rest easy knowing you’ll be covered during your time as a reaching student as well as when you start teaching yoga on your own.
What yoga styles are covered for pre-recorded video?
Ashtanga, Baptiste, Bhakti, Bikram, Hatha, Instruction, Iyengar, Integral, Kripalu, Kundalini, Power, Prenatal, Restorative, Sivananda, Yin, YogaFit® Personal Training, Vinyasa, Viniyoga, Yoga Therapy, Amrit, Ananda, Anusara, Chi Kung, Integrative, ISHTA, Jivamukti, Kali Ray TriYoga, White Lotus, Svaroopa®, Raja. Teaching online? Get more information about what online yoga teachers need to know to stay protected in our virtual yoga insurance guide.
What is yoga teacher insurance, exactly?
In order to understand what yoga insurance is, we’ll need to explore the various protection mechanisms and benefits built into an effective policy. Yoga insurance can be broken down into two main coverage areas: yoga liability insurance and additional coverage areas.
Yoga Liability Insurance
A liability is something that you are legally responsible for paying. Just by opening up for business and offering classes to yoga students exposes a professional to several forms of liability. If a student gets injured under your watch, the courts may decide in a suit that you’re responsible for covering all their costs.
The three main types of liability facing yoga instructors includes general liability, professional liability, and product liability. With coverage in place specifically for claims relating to these three types of liability, our yoga insurance plan is setting up protection for the majority of liability yoga instructors face.
Additional protection for yoga professionals includes:
Identity Protection Plan: today’s yoga professionals have to rely more on the internet than ever before to stay connected to their community. With so many different ways for a cyber incident to occur, our plan provides real-world protection with $25,000 worth of identity restoration services should a policyholder’s identity be compromised.
The most important part of that question is, “I”. Why should I carry insurance? For anyone who’s serious about a career as a yoga teacher, insurance is a given. Some may think since they work in a studio that has coverage, they should be good if an unfortunate event occurs. The fact is, even if you do have some coverage through your yoga studio, it's often a very small amount—leaving the professional alone responsible for covering any shortfalls on a given claim.
Carrying too-little or no insurance at all carries a great deal of personal risk for a yoga teacher. Insurance means you’re transferring the risk of having to pay for a claim yourself, back onto your insurance company. Therefore the best long-term success risk avoidance strategy in the yoga industry is to secure individual yoga insurance.
With the affordable plan offered by beYogi, professionals don’t have to decide between great coverage and affordable rates. Our yoga instructor insurance was purposefully built to provide stout protection for the real types of risks yoga teachers face today, and to do so at a competitive rate.
The liability protections and different coverages included with yoga insurance were put in place after many years of working in the yoga industry and by understanding what real protection looks like. To really create value, beYogi seeks to support yoga professionals throughout their yoga careers. That’s why our yoga teacher insurance includes both solid coverage options, as well as a great member benefits program.
Our yoga insurance provides discounts and early access deals from a wide array of partner organizations for goods and services our members use everyday. We also include a free, easy-to-use website that can be customized right to your brand of yoga in your area. This local presence helps you stand out in the digital landscape and when students are turning to search engines for the types of services you provide.
