Let's face it, teaching yoga out of the home is a lot cheaper than renting studio space. But what about the risks? If someone gets hurt doing your class or exacerbates a condition that you didn't know existed, could you be financially liable? And what if there are other expenses associated with an incident? beYogi's home yoga teacher's insurance includes professional liability insurance but also is expanded to include many other protections you need. Here, we’ll cover all the ins and outs of yoga teacher insurance for home instructors.
Do You Teach Yoga In Your Own Home?
If you teach yoga in your own home, teach yoga online, or offer yoga on the go such as in a park or in private sessions in a client's home, there are a lot of benefits. You don’t have all the overhead of a traditional yoga studio (think rent, utilities, internet, etc.) but you still have a lot of the same risks. A liability is a risk of having to pay for something and if someone is injured or has their property damaged during a session with you, you may be held liable to help cover their costs.
Teaching out of the house yoga teacher insurance becomes absolutely vital. A torn muscle during a tough ashtanga flow, your expensive equipment that gets stolen, or even a student having a bad allergic reaction are all events that could come out of nowhere. Without insurance, you’d be left having to pay for the costs out of your own pocket. That’s where the affordability of beYogi online yoga teacher insurance makes so much financial sense. For less than what you pay for an annual health club membership, you can get a policy worth millions with a whole suite of added benefits to boot.
What Does Yoga Teacher Insurance For Home Teachers Typically Cover?
Put simply, in the event a person is injured on your property or you accidentally damage property that belongs to someone else, you might be held legally liable. What liability insurance for yoga teachers does is pay for any damages when you are deemed legally liable, it also pays to defend you in court and the costs of a lawsuit if it comes to it.
With beYogi’s all-inclusive online yoga teacher insurance plan, you can rest assured knowing you have one of the top blends of coverage around. Yoga teacher insurance for home teachers covers events like:
Accidents like slips and falls
Injuries like a student getting hurt during a session
Property damage
Allergic reactions to a product you introduced in a session
Stolen equipment
And more!
Yoga teacher insurance for home teachers does not cover things like car accidents or a natural disaster like a hurricane that damages your home. Things that aren’t covered by your yoga teacher insurance are called exclusions. While reading your policy might seem tedious, it's definitely a good idea to at least be familiar with what is and isn’t covered by the plan.
How Expensive Is Home Yoga Teacher Insurance?
Yoga teacher insurance from beYogi is made to be affordable, but still offers great coverage and great benefits. The cost can vary depending on how many hours per week you teach yoga. beYogi has one of the highest hour levels for part-time yoga teachers at 10 hours or less per week. The best way to find out what you will pay is by shopping around, which is why we include a side-by-side comparison of yoga insurance plans right on our site. No more clicking back and forth (you’re welcome).
Some of the aspects of home teacher yoga insurance you’ll want to focus on as you comparison shop include:
The coverage limits for yoga insurance policies vary by insurer, so be sure to shop around. Some cheap online yoga insurance plans are bare bones with barely any coverage.
While not everyone offers a break for part-time instructors, watch for different rates if you teach full-time (more than 10 hours a week) or part-time (less than 10 hours per week). Those hour limits also change with many pegging the part time hour limit around 6 hours per week.
The benefits that are included. For whatever reason, a lot of plans seem to forget about this aspect. We’ve worked hard to bring our members exclusive discounts, deals, and early access to leading yoga-related products and tech, business services, and more.
How many modalities are covered? We cover more than 450 all under one plan. Others…not so much.
When you start comparing apples-to-apples, many yoga insurance plans out there just won’t have what you need to be given your unique situation. It’s important to consider where you are currently and where you want to be as you shop for yoga insurance plans.
Professional Liability, General Liability, Product Liability—Oh My?
Liability insurance for yoga teachers can really start to all sound the same so let’s run through what we’re actually getting with online yoga insurance.
Professional Liability: First up, is one you’ve probably heard called “malpractice insurance” or “errors and omissions”. Professional liability insurance protects you from potential legal action arising from your practice. In other words, it protects you if a student sues you for damages or injuries resulting from your teaching. A simple downward dog could cause a student to rip an achilles tendon, requiring extensive surgery, rehab, and a mountain of medical bills they say you are responsible for paying.
General Liability: General liability insurance (aka slip and fall) covers things like bodily injury, property damage, and personal injury that may be sustained during classes. General liability insurance for yoga teachers is intentionally broad so it covers a wide range of different risks you may face in your day-to-day as a home-based instructor.
Product Liability: Product liability insurance for yoga teachers covers you in the event someone has a bad allergic reaction to a product you use during a class. It could be your aromatherapy oils in the corner or the cleaner you use on mats and blocks, but if someone has a bad reaction they may hold you liable for their medical costs.
Additional Protection: making house yoga teacher insurance all-inclusive means providing 360 degrees of protection. That’s why we go further than most with a whole suite of additional protections like rental damage coverage, stolen equipment coverage, and even an identity protection plan.
Live Streaming and Pre-Recorded Video Covered
Many home yoga teachers are choosing to offer their services via live streaming and pre-recorded video and we think that is awesome. That’s why our online yoga insurance keeps up with the way yoga teachers practice today by fully covering this type of home-based instruction. You might be connecting with clients never before possible because of geographic boundaries so we wanted to make sure there weren't any boundaries for your yoga insurance either.
So whether you’re having a group over in your backyard zen garden for early morning yoga flow or teaching classes to online students, you can be sure beYogi has your back through every pose and sequence.
More than $1,000 in Member Benefits Starting Day One
As we mentioned above, member benefits are so important for a yoga insurance policy to include but this area can be particularly “light” with some plans out there. We invested ourselves in bringing member benefits that are both useful and accessible so our members can truly derive a benefit. You’ll find scores of discounts and deals on yoga retreats, new classes, yoga-related software, business services, and gear from all the names you know and love like Gaiam, Metta Mats, Yoga Box, and so many more.
Another aspect of the beYogi member benefits suite that might be particularly relevant if you're teaching yoga at home is the free, customizable website you get. This is no clunky, old school website. It’s an easy-to-customize online billboard just for your brand of yoga. Write about new classes, post pics of recent sessions, and build excitement around the services you provide. Check out an example of a custom website you could use for your business.
Coverage For Today, That You Can Still Access Tomorrow
There are pretty much two types of policies out there—occurrence form and claims made. Claims made say you have to file a claim while a policy is active for it to be covered. Seems straightforward until you consider what happens if someone is hurt but waits a few days to tell you about it. What if during that time your policy expires? Well, with claims made, you’d be out of luck. We do things differently with occurrence form coverage. This means you can still go back and file a claim after your policy expires just as long as it happened during the term.
More Coverage & Better Benefits in Online Yoga Insurance
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