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Malpractice Insurance for Yoga Instructors

Malpractice Insurance for Yoga Instructors

No one wants to think about what could go wrong as a yoga professional, but it’s far better to prepare before something tragic happens. When you work with your students on a new pose or in a hot yoga studio, there are a few risks that your client faces. If you make a mistake and your student gets hurt while under your care or instruction, it could lead to a liability lawsuit or insurance claim against you. 

Malpractice insurance for yoga instructors is the protection you need if a client is injured under your instruction. With the financial security and peace of mind that yoga insurance provides, you can rest easy knowing that you’re protected from the cost of a malpractice lawsuit. 

What Could Go Wrong? 

Like any health and wellness professional, yoga instructors work closely with their clients to achieve their physical goals. While this can be a rewarding and incredible career, clients could face some bodily risk or harm if something goes wrong because of the nature of the work itself. If you make a mistake and a student is injured, it could be a very bad day. 

There are countless ways that a yoga student could be hurt during a yoga session. Injuries, bodily distress, or overexertion are all potential liabilities for yoga professionals. Here are some common examples of injuries that could happen during a yoga class: 

  • Strained muscles
  • Pulled tendons
  • Broken bones
  • Aggravated medical conditions
  • Heat stroke
  • Heart attack
  • Twisted or sprained ankles

The list of potential injuries could go on and on. All of the above examples could be the result of an instructor’s error or a client’s mistake. Regardless of how an incident happens, you could be held liable for malpractice. 

Malpractice Explained

You may not have thought about malpractice outside of the medical field, but it is very prevalent among all health and wellness professionals. Another way yoga insurance companies say malpractice is professional liability. Malpractice is a term that can relate to any error or omission by a professional. One way to think about malpractice is that it is a mistake or negligent act performed by a professional that ends up causing harm. 

For yoga instructors, malpractice could be telling a client to perform a pose beyond the student’s capability or physical limits or failing to recognize signs of physical distress during a session. These errors or negligent acts could result in injury or medical pain for the students. If a client is hurt because of something you did wrong, that could be considered malpractice. 

There are two forms of malpractice; commission and omission. 

Commission

Acts of the commission are the active mistakes or errors that a yoga professional could make. These could be giving incorrect or dangerous instructions to your client or pushing them too hard. Any active mistake that you make that results in harm is an act of commission. 

Omission 

Acts of omission are often called acts of negligence. These are inactive mistakes or things you fail to do for your client's safety. Acts of omission could be failing to ask about medical conditions or failing to notice a student is in excessive physical distress. Even though you may not actively make an error, you could still be held liable for an act of negligence. 

Protection from the Cost of a Malpractice Lawsuit

Now that we’ve covered the bad stuff, let’s get to what you can do to protect yourself in a malpractice lawsuit situation. A yoga liability insurance policy is the best way to secure your personal finances from a professional liability or malpractice lawsuit. With malpractice insurance, you don’t have to worry about covering the cost of a professional liability lawsuit out of your own resources. 

When you have yoga instructor insurance, you have protection if a client sues for malpractice. beYogi offers comprehensive coverage to keep our policyholders safe should they face a liability claim or lawsuit for malpractice. 

What Yoga Instructor Insurance Coverage Includes

With beYogi’s coverage, you don't have to piece together different policies to get the coverage you need. We offer the whole package of coverage so that you have total confidence in your security. While malpractice insurance is a significant portion of our policy, it’s just the tip of the iceberg when it comes to what’s included. 

A yoga insurance policy from beYogi includes coverage for professional, general, and product liability, and so much more. You can rest assured knowing that you are covered for whatever comes your way. 

Our yoga liability insurance policy includes the following:

  • Professional liability coverage: This coverage protects you against claims made against you because of malpractice or professional negligence. This is coverage for much of what we’ve discussed above.
  • General liability coverage: This coverage protects you from claims made because of injuries or accidents that are not explicitly related to your occupation. Sometimes, this coverage is referred to as slip-and-fall insurance, as these are typical examples of claims. Because these types of incidents can happen anywhere, general liability coverage is an essential part of your coverage.

    General liability coverage could also help protect you against personal property damage during an incident. For example, if a client breaks their expensive phone or damages their smartwatch during an accident in, or around, your place of business, general liability insurance could help pick up the bill to replace the damaged property.
  • Product liability coverage: As a health professional, you likely use a number of unique products in your work. If a client has a bad reaction to incense you use or is injured because of faulty equipment, you could be held responsible. That’s why we include product liability coverage in our yoga instructor policy.
  • Stolen equipment coverage: A break-in or theft can be an awful experience. Most yoga professionals have spent years collecting and purchasing equipment to manage their yoga classes. Restoring everything you lose could be a major hassle if your gear is stolen.

    With stolen equipment coverage, we can make a terrible situation a little easier by helping cover the cost of purchasing new gear. We’ll help you pay to replace the stolen equipment up to your coverage limits so you can get back to teaching as soon as possible after a theft.
  • Identity theft protection: In the modern era of health and wellness, many professionals are moving to online platforms. Identity theft is more prevalent than ever before because of the growing technology and online presence. Think about how much you do online. Business promotions, payroll, social media, contacting clients, scheduling, banking, and all else could be vulnerable to an identity thief. 

Because of the risk, we offer coverage to help you recoup financial loss if you’re the victim of identity theft.

  • Rental property damage coverage: If you’re like most yoga professionals, you likely rent the studio or classroom where you teach. If you damage your rental property, the facility owner could hold you responsible for paying for the repairs.

    Fortunately, beYogi includes rental property damage coverage with our yoga instructor policy. 
  • Member benefits: We include a full suite of benefits that members can access from day one like discounts and exclusive, members-only access from top names in yoga gear, leading business services, and so much more. 

With comprehensive yoga instructor insurance from beYogi, you don’t have to worry about a liability claim or malpractice lawsuit. You are covered with generous, comprehensive yoga insurance, no matter what happens. 

Coverage Limits for Malpractice Insurance for Yoga Instructors

Knowing how much coverage is some of the most important information when looking for insurance. You want to know that you will have sufficient coverage while avoiding paying too much. When you look for a yoga insurance policy, be sure you will get the protection you need at a price you can afford. 

beYogi offers the following coverage limits with our yoga teacher insurance policy: 

  • General and Professional liability coverage: $2 million per occurrence with an annual maximum of $3 million
  • Product liability coverage: $2 million
  • Rental property damage coverage: $100,000
  • Stolen equipment coverage: $1,000 with a $250 deductible

Our protection is more than generous and sufficient. You can be confident you’ll have enough coverage if a client is injured under your instruction. 

Cost of Yoga Instructor Insurance

You may think all this coverage will cost an arm and a leg, but that’s untrue. With a beYogi insurance policy, you have plan options to meet your budget and career status. We offer the same excellent coverage on each plan but have special pricing for specific plan options. 

  • $159 for one year of coverage for part-time yoga instructors
  • $179 for one year of coverage for full-time yoga teachers
  • $327.05 for two years of coverage for full-time yoga professionals
  • $55 for one year of coverage for yoga instructor students

Whatever stage of your career, we have an option for you. 

Get Insured Today

The best part is that you can start your coverage in just a few minutes. We make it simple, fast, and affordable to get malpractice insurance for yoga instructors. Get yoga insurance today.

Lizzy Prindle
Lizzy has been practicing yoga for over four years. She found her practice as her collegiate swimming career was ending; looking for a new hobby she began taking yoga classes and never looked back. She has carried her yogi mindset into her role as beYogi’s brand manager. Working alongside many teachers, studio owners, and yoga brands she has helped expand beYogi’s all-inclusive yoga insurance policy into an education-based membership offering much more than coverage.