Yoga Teacher Insurance

Affordable and comprehensive yoga liability insurance for every teacher

Get #1 rated yoga insurance that covers you wherever you teach. Absolutely no membership fees and full coverage for just $0.49/day. We are your destination for all-inclusive yoga liability insurance for one low annual price.

Live Streaming

Live streaming and pre-recorded video covered

Easy Monthly Payment Options

As low as $14.58/month paid annually

Occurence-Form Protection

Coverage for claims made after expiration

Yoga Modalities Icon

450+ modalities covered including acro & SUP yoga

  • Live streaming and pre-recorded video covered
  • As low as $14.58/month paid annually
  • Coverage for claims made after expiration 450+ modalities covered including acroyoga

Our Yoga Teacher Insurance Cost

All our policies, no matter where you are in your teaching journey, come with the exact same benefits – for just one low annual fee. With a 5-star rating on Google, top-rated on Trustpilot explore why happy yoga instructors continue to choose beYogi

One Year Professional

Part-Time

$169

Great for yoga instructors who teach less than 9 hours per week. Same coverage as the FT policy.

One Year Professional

Full-Time

$179

Great for teachers teaching 10 or more hours per week. All the coverage you need to teach online, in-studio, outside.

Two Year Professional

Full-Time

$334

Great for teachers who know they will be teaching for 2+ years. Save $24 by choosing the two year policy option.

beYogi's Trusted Insurance for Yoga Teachers

Yoga Liability Insurance Highlights

A comprehensive insurance policy designed specifically  to protect yoga teachers. With one flat rate and great member benefits, beYogi has been safeguarding yoga teachers from the unexpected since 2005.

Yoga Insurance Limits

1 Additional Insured: $10 | Unlimited Additional Insureds: $30

Some yoga insurance policies will offer different limits based on your full-time or part-time status. This would mean that if you are a part-time yoga instructor, you may have less coverage than a full-time teacher. We don’t believe in offering different coverage limits so all our policies have the same limits. From students to full-time instructors, all members enjoy the same great coverage. Our yoga insurance program prices are based on how you will use the coverage and decide to pay.

General and professional liability coverage are some of the most essential coverages for any yoga insurance policy. A liability is a risk that a client may encounter while under your instruction or in your facility. General liability and professional liability coverage are both necessary for every yoga professional.

The coverage limit for both professional and general liability is $2 million per occurrence with an annual aggregate (maximum) of $3 million. This coverage is designed to protect you thoroughly from a single liability claim or multiple claims within a year.

  • General liability:
    General liability coverage protects you from non-specific harm or injuries while on your property or under your teaching. These injuries are not directly resulting from your profession as a yoga instructor. A few common claims related to general liability may be falls, slips, trips, damaged personal property, or other injuries from a facility issue.

    General liability coverage could help cover the cost of a lawsuit from bodily injury or damaged personal property. If a client trips and falls on a loose rug in your lobby, general liability insurance could help compensate them for their injuries and medical expenses.

    General liability coverage is necessary for any business, not just yoga teachers. Because slips, falls, and general injuries can happen anywhere, general liability protection is an important investment for any professional. Most other insurance providers have general liability coverage included in their yoga teacher insurance policy; however, not all general coverage is the same. You will want to ensure that your policy has a generous coverage limit that will be sufficient to protect you from a general liability claim.

  • Professional liability:
    Professional liability coverage helps protect you against the cost of injuries from errors and omissions. These injuries are correlated to your work as a yoga professional. In medical terms, these claims are known as malpractice because they imply that the professional caused harm or injury to their client.

    For yogis, a professional liability claim may be a client overexerting themselves in a class, tearing a ligament while attempting a new pose, or aggravating a pre-existing medical condition due to your instruction. Unfortunately, these types of claims are becoming more common among health and wellness professionals.

    Professional liability coverage helps cover the cost of a lawsuit when a client claims negligence or incompetence. While most insurance providers include this coverage in a yoga insurance policy, our generous limits stand out.

As a yoga instructor, you may use a variety of products to enhance the environment or experience for your students. While these products can be an excellent benefit to your pupils, they could also do more harm than good if your client has a negative reaction to the products you use. Product liability coverage is designed to protect you from the cost of a lawsuit because of an allergic reaction or aggravation from a product.

Some common product liability claims may be skin irritation due to a cleaner on one of your yoga mats, anaphylactic shock from an allergy to incense in your studio, or a triggered aversion to a scent in your classroom.

The product liability coverage included with a beYogi yoga instructor insurance policy helps protect you with a $2 million annual aggregate. While not all insurance providers consider product liability coverage, it’s a standard part of our protection. We have built our yoga insurance policy to cover you should something go wrong completely. We protect you on multiple fronts from the cost of a liability lawsuit.

These coverages protect yoga teachers from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing.

Identity theft is a modern threat that professionals from all industries are dealing with these days. As the online world further becomes integral for businesses, the need for online protection has become evident. As a business professional, you likely have a website, use social media to promote your services, and may use a suite of online business tools. While this online presence can be an excellent opportunity to showcase your talents, engage with your students, and manage your business, it can also leave you vulnerable to online attacks.

The larger your online presence, the more exposed your information is to online thieves. By promoting your services online, identity thieves can gain access to your information and use it to steal funds, make purchases under your name, and impersonate you online. In short, an identity thief could wreak havoc on your finances or your reputation with just small pieces of information about you.

With the potential of identity theft being greater than ever, protecting yourself from identity theft is becoming a priority for many yoga professionals. That’s why we include up to $25,000 of coverage for identity theft. This coverage is designed to help you recoup financial losses due to an online impersonator.

The notion of including identity theft protection in a yoga instructor insurance policy is relatively new. Not many other insurance providers have the foresight to include this coverage, but beYogi is different. We promise to be at the cutting edge of yoga insurance and provide the coverage you actually need for today and whatever tomorrow may bring. We’ve brought yoga insurance into the modern era by including identity theft protection as a standard part of your policy. You can always count on us to offer practical coverage that is entirely centered on your needs.

No Waiver Required!

Unlike other liability insurance companies, beYogi does not require liability waivers to purchase our insurance.  However we do offer a free  yoga teacher liability waiver template.

No Quotes In Sight!

Getting insurance from beYogi is a breeze. Sign up instantly with our 100% online checkout and get insured in 5 minutes! 

Purchase Yoga Insurance

beYogi satisfies studio and employer insurance requirements in addition to giving you the coverage & extra benefits you need teach yoga confidently at an affordable price! 

A Comprehensive Yoga Insurance Package

In addition to top-rated liability insurance, you get a free website, theft protection, and tons of discounts on yoga equipment, retreats, yoga software, classes and more.

Yoga Modalities Icon

500+ Modalities Covered—No Extra Cost

For one price, you’re covered for over 450 yoga, massage, & beauty modalities like yoga therapy, Pilates, hot stone, reiki, cupping, kinesiology and more. See all ›

Insurance Coverage

Coverage that Follows You

If you change jobs or work on your own part-time (i.e. yoga festivals, yoga teacher training), your coverage still follows you. Plus get an instant certificate and proof of insurance as soon as you checkout.

Member Benefits

Member Benefits

Get free member benefits such as an easy-to-customize website (see example), discounts on yoga software, retreats, classes, and 30% off products from Gaiam, YouVeda, Metta Mats, Yoga Box and more. See all ›

Occurrence-based Coverage

If you are insured from January 1st 2023 to December 31st 2023 (12 months) and an incident occurs in May 2023 but the claim is not filed until May 2024, beYogi still covers you even if your insurance has expired. This is "Occurrence Based" coverage which most yoga insurance companies don't offer. No matter if you choose beYogi, definitely make sure your provider is "occurrence form."

Are You In Your First Yoga Teacher Training?

For just $60 get the full coverage and member benefits of a professional policy. Plus, the coverage is good for a full year after you graduate.

I am a teacher trainee and didn't know I could get student teacher insurance so easily and so affordable. Several of my friends who are already certified recommended beYogi and I am so glad I found them!

Christa, Member Since 2018

How Much does Yoga Teacher Insurance Cost?

A full-time, one-year beYogi insurance policy is just $179. This includes professional and general liability insurance, product coverage, and an identity protection plan. Unlike other competitors, we offer a flat rate for the same coverage no matter where you practice or what your specialty is, so you don't have to deal with a lengthy quote process.

Avoid financial damage from unforeseen accidents in the studio by investing in protection for your career for just $16.41 a month! You can learn more about pricing for yoga insurance by reading our guide. Our goal is to ensure that you have a complete understanding of what beYogi yoga insurance policy covers and what it doesn't cover.

Why Do You Need Yoga Teacher Insurance?

According to the National Electronic Injury Surveillance System (NEISS), the number of yoga-related injuries treated in emergency rooms nearly doubled from 2010 to 2014—and that’s just emergency rooms! 

Also, in 2019 the National Institute of Health published a study that showed one in five adult yoga users reported at least one acute adverse effect in their yoga practice, and one in ten reported at least one chronic adverse effect, mainly musculoskeletal effects.

While yoga teachers make every effort to teach their students about body awareness, accidents can still happen. It is imperative that your yoga liability insurance provides the two most important kinds of coverage: professional and general liability.

Professional liability insurance, sometimes known as “malpractice” insurance, covers you against claims of negligence or incompetence.

yoga injuries

In comparison, general liability insurance is sometimes referred to as “trip and fall” insurance. This protects you in the event, for example, that one of your students trips over a yoga mat on the floor and suffers an injury from falling to the floor.

Download The Complete Guide to Yoga Insurance

Your Complete Guide to Yoga Insurance
Fill out the form below and download a copy of this Complete Guide to Yoga Insurance, and protect your Zen!

Yoga Insurance Comparison Chart

We've done the insurance homework for you. Compare yoga liability insurance options below:

  beyogi Yoga Alliance Yoga Journal Next Philadelphia Insurance Canopy
General Liability and Professional Liability (E&O) Insurance $2MM/Occurrence; $3MM Annual Aggregate Choice of $1MM/Occurrence; $3MM Annual Aggregate or $2MM/$4MM Aggregate Choice of $1MM/Occurrence; $1MM Aggregate, $1MM/$3MM, and $2MM/$4MM Limits Choice $500K/Occurrence; $1.5MM Annual Aggregate, $1MM/$3MM Aggregate, or $2MM/$4MM Aggregate $2MM/Occurrence; $4MM Annual Aggregate $2MM/Occurrence; $3MM Annual Aggregate
Product Liability Insurance $2MM $2MM $2MM $1MM $2MM per year $3MM per year
Personal & Advertising Injury $2MM TBD TBD TBD TBD TBD
Identity Protection Plan Requires Seperate Policy Add on$99/year
Occurrence-Based Coverage
No Yearly Membership Fee
Free Professional Website
Live-streaming & Pre-recorded Video Covered Some limitations Requires online teaching application
Access to Affordable Health, Vision, Auto, Pet, Life Insurance
Discounts on Yoga Products and Equipment
Transparent Pricing With No Quotes
Annual Price $169 PT
$179 FT
$122 PT + Fees*
$146 FT + Fees*
$169 PT (Includes Fees)
$146 FT (Includes Fees)
$192 (2MM/4MM Premium) $125 PT + Fees*
$185 FT + Fees*
$129/yr (+ Add ons)

NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by beYogi as to the accuracy or completeness of this information. This information was confirmed in October 2023.

Different Yoga Styles Covered

We are proud to offer coverage for over 450 wellness modalities beyond yoga instruction.  If you offer multiple services, we invite you to explore our entire list of covered modalities

  • Yoga
  • Massage
  • Fitness
  • Beauty

Acro Yoga 
Acu-Yoga
Acupressure
Acuu-Yoga
AMMA
Amrit
Ananda
Anusara
Ashtanga
Ayurveda (excludes nutrition/diet)
Baptiste
Bhakti
Bikram
Body Work Therapy
Buti Yoga
Chair Yoga
Chi Kung
Chi Nei Tsang
Core Power Yoga
Forrest

Hatha
Instruction
Integral
Integrative
ISHTA
Iyengar
Japa
Jivamukti
Jnana
Kali Ray Tri

Kaivalya Yoga Method®
Kharma
Kripalu
Kundalini
Laughing
Massage Therapists
Medical Qigong
Meditation
Naam Yoga Therapy
Nidra Yoga (Form of meditation)
Nuad Bo 'Rarn

Phoenix Rising Power
Power 
Prenatal 
Primordial Energetics
Raja 
Reflexologists
Reiki Practitioners
Restorative
Sculpt yoga
Sivananda
Stand Up Paddleboard (SUP) Yoga
Svaroopa®
Tibetan Cranial
Tuina
Vini 
Vinyasa
White Lotus 
Yin
Yoga Therapy*
Yoga Fit® Personal Training

*Coverage for Yoga Therapy is only available for those professionals who (1) provide a client information document to their clients explaining the nature and extent of the services being provided; and (2) understand and communicate to their clients that Yoga Therapy is not a licensed healthcare profession in the state or jurisdiction in which they practice.


Yoga Teacher Insurance 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?

Yoga isn’t just one type of yoga. From Bikram yoga to Restorative yoga and everything in between. There are hundreds of different types, as well as many complementary healing practices. Providers, like beYogi, cover over 350 yoga styles and healing practices. Read more about what's included in yoga teacher insurance and why you need it.

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:
  1. Compare the plan prices
  2. Check to see if the modalities you practice are covered
  3. Where does the coverage extend to? Only at a studio? Or does it cover you no matter where you are teaching?
  4. Compare what additional benefits are offered free of charge or for a price
  5. Utilize comparison grids to visually compare plans from the different companies
  6. Read our complete guide to yoga instructor insurance to understand more on how yoga liability insurance benefits you.

Read more to find the best yoga insurance for yogi's practicing in the US.

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.

Ideally, you also want to have product coverage of a $2 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.

With the growing number of yoga practitioners desiring other services like massage to be incorporated with their yoga, product coverage insurance is becoming more and more needed. The product coverage is great if you are practicing several modalities. This coverage will protect you in the event a student or client has an adverse reaction to a product you use.

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.

Read more about why you need liability insurance.

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.

Discover why first time yoga teachers need liability insurance.

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.

Why Should I Carry Yoga Insurance?

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.

Read more about real world claims yoga teachers face here.

Benefits of Having Yoga Teacher Insurance

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.