Your Complete Guide to Yoga Insurance
What is Yoga Insurance?
Despite a yoga instructor’s best efforts to teach safe yoga practices, injuries do happen. Students sometimes push themselves beyond their limits, fail to communicate medical conditions, or practice postures incorrectly.
With more than 5,000 yoga-related emergency room visits each year and possibly even more doctor’s visits, injuries happen more often than we’re aware of. Lawsuits are expensive and yoga insurance protects you against claims regarding unexpected yoga accidents and occurrences that come along with teaching even if you’re not at fault.
Along with professional and general liability coverage, additional benefits vary depending on the provider but some of the best yoga insurance offers can include stolen equipment coverage, a professional website, rental damage, and identity protection.
While these situations don’t arise often, they can be financially devastating without the backing of a solid insurance plan.
Yoga insurance is different from sports and personal liability insurance policies, many of which don’t actually cover yoga. Even yoga-specific policies may have exclusions, it’s important to find an insurance policy like beYogi's plan that will cover the different styles of yoga along with other modalities.
Who Needs Yoga Insurance?
With thousands of students each month, studio owners must protect themselves against unfortunate injury claims.
While most studios do carry insurance, yoga teachers shouldn’t assume that it means they’re covered. Many studios require teachers to carry their own individual policies.
Teachers who don’t have their own policies may not be aware of the legal ins-and-outs of their studio’s policy. It’s a teacher’s responsibility to stay on the side of caution and carry their own yoga insurance.
Should a teacher substitute or lead workshops at other studios, a good yoga insurance policy will follow them wherever they teach.
Teacher trainees should also have yoga insurance. As they go through training and build confidence teaching friends, yoga liability insurance has trainees covered whether they’re in the studio, a workshop, or at home.
Reasons to Have Yoga Insurance
The U.S. Consumer Product Safety Commission reported 7,369 yoga-related injuries in 2010. These included visits to emergency rooms, doctor’s offices, and clinics for over stretching and straining of the spine, legs, knees, neck, and shoulders.
Yoga injuries are more serious than many teachers are aware of. Along with tendinous tears, yoga-induced damage is a real thing.
Frightening hip injuries, overstretched ligaments, and clots do happen. And with millions of yoga students practicing yearly, there are an increasing number of injuries.
While a student’s practice is in their own hands, they may still try to hold their teacher responsible. A negligence lawsuit can be financially devastating, especially if a teacher’s sole income is from yoga.
Lawyer fees alone can range from $200 to $500 or more per hour—even if the teacher isn’t at fault or wins the case. The minimal cost of insurance (generally around $200 a year) is worth peace of mind.
Stolen equipment and rental damage are two compelling reasons to carry insurance, which could become a financial burden should the worst happen.
How Yoga Liability Insurance Benefits You
Comprehensive yoga liability insurance covers you in all the ways a yoga teacher (or teacher trainee) could possibly need to be covered.
beYogi insurance includes:
- Professional liability coverage: $2 million per occurrence, $3 million per year
- General liability coverage: $2 million per occurrence, $3 million per year
- Product liability: $2 million per occurrence, per year
- Rental damage insurance: $100,000
- Identity protection plan: $25,000
- Stolen equipment coverage: up to $1,000 with a $250 deductible
- PLUS a free professional website
- PLUS free teacher resources and yoga pose directory
What Type of Yoga Insurance is Right for You?
First and foremost, you’ll need a policy that covers the type of yoga you teach. Don’t assume that ‘yoga insurance’ covers your yoga. New styles pop up all the time and some float in a gray area between yoga and medicine, like Acu-Yoga and Naam Yoga Therapy.
Secondly, choose a plan with at least $2 million in liability coverage per occurrence. This may sound like a lot, but million dollar lawsuits are becoming the norm.
If you’re a yoga teacher as well as a massage therapist, cosmetologist, or pilates instructor, for example, one plan can protect you in all modalities. This becomes especially important if you blend various practices with yoga.
beYogi insurance covers 350 styles of yoga, massage, pilates, and other wellness practices.
While you may be practicing at one studio for now, you never know what the future holds! Opportunities may arise to teach a workshop, in private client’s homes, or at retreats and festivals. beYogi insurance will follow you no matter where you teach.
Make the most of your money and look for a plan with added benefits. Yoga liability insurance is good for more than just the liability: beYogi’s plan covers lost or stolen equipment and offers bonus resources such as a free business website and professional resources for yoga teachers.
Compare Your Yoga Insurance Options
Although teaching yoga is a noble and much-needed profession, it’s not the most lucrative. The last thing a yoga teacher needs is an expensive insurance policy, which can cost up to several hundred dollars a year.
Compare yoga liability insurance providers in the grid below.
|Alternative Balance||Yoga Alliance||Yoga Journal||IdeaFit||Namasta|
|Annual Fee||$179||$249 ||$233||$224.99||$294||$305|
|Professional & General Liability Insurance||✓||✓||✓||✓||✓||✓|
|Rental Damage Insurance||✓||✓||✓||✓||✓|||
|Identity Protection||✓|||| || || || |
|Stolen Equipment Coverage||✓|||| || || || |
|Free Professional Website||✓|| || || || || |
|Includes Coverage for 350+ Modalities||✓|| ✓|| || || || |
Offering even more benefits than our competitors (like identity protection, stolen equipment coverage, and a free professional website) and covering $2 million per occurrence and $3 million annually, beYogi offers the best-priced insurance.
Annual rates for teachers are $179—that’s less than 44 cents a day—and $25 annually for teacher trainees, coming out to a mere six cents a day. In comparison to million dollar lawsuits, insurance isn’t so expensive after all.
Glossary of Yoga Insurance Terms
It can be difficult to interpret insurance jargon, so we’ve broken down some of the most important terms:
- Additional Insured: a person or entity added to the certificate of insurance who is protected from the named insured’s negligence; this is typically an employer or landlord.
- Claims-Made: a form of insurance that only covers policyholders for claims filed while the policy is active; if an incident occurs during the policy term but is not reported until after the policy expires, it will not be covered.
- Occurrence Form: a policy form that covers the insured for any claims filed during or after the policy term, as long as the actual incident in question occurred while the policy was active.
- Professional Liability Insurance: insurance that provides protection against lawsuits claiming negligence, misconduct or incompetence on the policyholder’s behalf; also called malpractice insurance.
See a full list of helpful yoga insurance terms.
Yoga Insurance Review
As a full-time yoga teacher, I have loved working with beYogi for my yoga insurance. They make it easy to sign up, offer great benefits, and are always there to answer my phone calls. It’s great to know that I am protected by an insurance group who knows what yoga teachers need. The coverage is amazing, and they make it a breeze to add an additional insured, which I use frequently for yoga events. —Amy Dannheim, RYT, Miami, Florida
Applying for Yoga Insurance
Our online application process is simple and takes less than five minutes.
We’ll ask you for your contact information, profession, and which coverage you’d like to receive. We don’t normally require any certifications or pre-requisites (only in special cases).
We make the process quick and simple—no waiting weeks to receive an over-priced insurance quote. You may want to opt for the additional insured option. This will protect a person or business entity, should the name of the insured be found negligent. It’s not meant to protect other practitioners, but covers your business, employer, or vendor.
Starting a new yoga job tomorrow? beYogi has you covered. You’ll receive instant coverage and proof of insurance as soon as you pay.
Tips for a Safe Practice
While yoga insurance is a necessity, you’ll ideally never need to use it. The goal is for all students to safely enjoy yoga.
Keep these guidelines in mind:
- Know about your student’s injuries and state of health. They may not realize that conditions like asthma, high or low blood pressure, hernia, or vertigo will require posture modifications or alternatives, so it’s a good idea to explicitly ask before class if anyone experiences these imbalances.
- Always ask about pregnancies. Assuming yoga is gentle and safe, some women aren’t aware that yoga must be modified during pregnancy. Certain postures and breathing techniques pose a risk to the baby. If you’re not trained in prenatal yoga, send the mother to someone who is.
- Always provide modifications or alternatives for intermediate and advanced postures as well as inversions. Remind students that everyone’s body is different, meaning that the same posture may not work for or look the same for everyone.
- Get permission from your students before assisting. Simply ask “may I help you?” before jumping in to adjust their posture.
- Remind students that pain is the body’s way of warning that something isn’t right. Rather than pushing through pain, they should gently exit the posture and rest in Child’s pose or Savasana.