Liability Insurance for YTT Students, Full-time and Part-Time Yoga Teachers
Get #1 rated yoga insurance that covers you wherever you teach. No membership fee required and get fully covered for just 44 cents per day. All-inclusive yoga liability insurance included at one low price.
Get #1 rated yoga insurance that covers you wherever you teach. No membership fee required and get fully covered for just 49 cents per day.
The YTT student policy is the exact same coverage as our professional policy and is good for a full year after you graduate. Our part-time policy covers you for 10 hours or less (the highest in the industry) and has the same coverage as the full-time policy.
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, July 2018
Liability Insurance Highlights
Yoga Insurance Coverage
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, stolen equipment coverage, theft protection, and tons of discounts on yoga equipment, retreats, yoga software, classes and more.
Coverage Details
Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
Product Coverage: $2 Million annual aggregate
Damage to Rental Premises: $100,000
Identity Protection Coverage: $25,000
Stolen Equipment Coverage: $1,000 w/ a $250 deductible
490+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 490 yoga, massage, & beauty modalities like yoga therapy, Pilates, hot stone, reiki, cupping, kinesiology and more. See all ›
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
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 ›
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.
Stay Protected with an Occurence-form Policy
Occurrence Form is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect. Other providers sell Claims-made policies where any claim filed after the policy expires will not be covered. No matter if you choose beYogi, definitely make sure your provider is "occurrence form."
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.
National Electronic Injury Surveillance System (NEISS) Data
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.
Learn All You Need to Know with Our 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!
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beYogi Yoga Insurance Reviews
Need to Weigh Your Insurance Options?
Compare yoga liability insurance in the grid below:
Swipe to see full comparison
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 on 2/14/18.
Yoga Styles Covered by beYogi Insurance Plus
Yoga
Massage
pilates
Hair stylists
skin care
nail
dance
Acro Yoga Acu-Yoga Amrit Ananda Anusara Ashtanga Baptiste Bhakti Bikram Buti Chair Chi Kung Forrest Hatha Instruction Integral
Integrative ISHTA Iyengar Japa Jivamukti Jnana Kali Ray TriYoga Kharma Kripalu Kundalini Laughing Naam Yoga Therapy Phoenix Rising Power
Power Prenatal Raja Restorative Sivananda Stand Up Paddleboard (SUP) Yoga Svaroopa® Viniyoga Vinyasa White Lotus Yin YogaFit® Personal Training Yoga Therapy*
*Coverage for Yoga Therapy is only available for those professionals who (1) are a certified yoga therapist through the International Association of Yoga Therapists; (2) provide a client information document to their clients explaining the nature and extent of the services being provided; and (3) understand and communicate to their clients that Yoga Therapy is not a licensed healthcare profession in the state or jurisdiction in which they practice.
Abhynanga Active Isolated Stretching Acu-Kinesiology Acupressure Acutonics Ai Chi Alexander Technique Amma Therapy Animal Acupressure Animal Massage Anma Therapy Applied Kinesiology Aqua Massage ARC Technique Aroma-Reflex Therapy Aromatherapy Arvigo Techniques of Maya Abdominal Therapy Ashiatsu Barefoot Massage Ashiatsu Oriental Bar Therapy Ashi-Thai Asian Bodywork Therapy Aston Patterning Asymmetric Body Balancing Attunement Ayurvedic Massage Bach Flower Remedies – Topicals Balinese Massage Balneotherapy Bamboo Fusion Bamboossage Barbara Brennan Technique Barefoot Shiatsu BART Belavia Facelift Massage Benjamin System of Muscular Therapy Berry Method B.E.S.T. Bindegewebs Massage Bindi Biodynamic Craniosacral Therapy Bioenergetics Bioenergy Massage Biomagnetic Touch Healing Biosonic Repatterning Biosync Bio Touch Healing Body Image Enrichment Body Logic Body Wraps Body-Mind Centering BodyTalk Bodywork for the Childbearing Year Bonnie Bainbridge Cohen System Bowen Technique Breast Massage Breathing Techniques Breema Breathwork Bridgewebs Massage Canadian Deep Muscle Massage Cayce/Reilly Massage Chair Massage Champissage Chi Gong Chi Nei Tsang Chikly Brain Curriculum Chinese Massage Chubinsky Method Classical Massage Color Light Therapy (no lasers) Complete Decongestive Therapy Connective Tissue Massage CORE Bodywork Core Energetics Cranial Release Technique Cranial Soft Tissue Release Craniosacral Therapy Critz Technique Cross Fiber Massage Crystal Therapy Cupping Cyriax Massage Deep Muscle Massage Deep Tissue Massage Dr. Vodder’s Manual Lymph Drainage Ear Candling Eden Energy Medicine Egoscue Method Emotion Code Emotional Freedom Technique Energetic Transformation Energy Balancing Energy Healing Techniques Energy Kinesiology Equine Massage Equine Reiki Equirub Equissage
Esalen Massage Essential Oils Massage Facial Massage Fascial and Membrane Technique Feldenkrais Method Feng Shui Fertility Massage Fijian Massage Five Element Shiatsu Forearm Dance Technique Four-Hand Massage Full Spectrum Energy Medicine Functional Range Release Geriatric Massage G-Jo Acupressure Gua Sha H.E.A.R.T. Hakomi Hama Massage Hand Reflexology Hannah Somatic Education Hawaiian Bodywork Healing Touch Hellerwork Hemme Approach Hoffa Massage Technique Holistic Massage Holotropic Breathwork Hoshino Therapy Hot Stone Massage Hot Towels Hydrocollator Hotpacs Hydrotherapy IGM Method Indian Head Massage Infant Massage Injury Massage Innovative Pet Therapy Insight Bodywork Instruction Integrated Awareness Integrative Acupressure Integrative Eclectic Shiatsu Internal Organ Massage Intra-Oral Massage Ionic Footbath IP Touch Jamu Massage Japanese Shiatsu Jin Shin Jyutsu Kiatsu Kinesiology Kinesiology Taping Kinessage Kripalu Bodywork Kriya Massage Kurashova Massage LaStone Therapy Lava Shell Technique LED Lights LHE Phototherapy (no lasers) Light of Life Energy Lomilomi Longevity Energetics Looyen Work Lymphatic Drainage Massage Lymphatic Drainage Therapy Lymphedma Therapy Lypossage Macrobiotic Shiatsu Magnet Therapy Manual Massage Therapy Massage Therapy Instruction Maya Abdominal Massage McMillan Massage Technique Mechanical Link Medical Massage Medical Qigong Therapy MELT Method Mennell Massage Technique Mentastics Merciér Therapy Mother Massage Moxibustion Muscle Activation Technique Muscle Energy Technique Myofascial Release Myomassology Myopractics Myoskeletal Alignment Technique Myotherapy Naprapathy Nepali Massage Neural Manipulation Neuromuscular Reprogramming Neuromuscular Therapy New Manual Articular Approach Niel-Asher Technique
Nuad Bo’ Rarn Nurse Massage Ohashiatsu Okazaki Restorative Massage Oncology Massage On-Site Massage Ortho-Bionomy Orthopedic Massage Pediatric Massage Pet Massage Pfrimmer Deep Muscle Therapy PNF Stretches Polarity Therapy Positional Release Postural Integration Practical Movement Pranic Healing Pregnancy Massage Prenatal Massage Process Acupressure Push Therapy Qigong Quantum-Touch Raindrop Therapy Range of Motion Raynor Massage Therapy Reconnective Healing Reflexology Reflexology Instruction Reiki Remedial Massage Rolfing Structural Integration Rosen Method Rossiter System Rubenfeld Synergy Method Russian Massage Rys Thomas Energy Medicine Sabai of Sa-wan Therapy SacroOccipital Technique Safe Touch Massage Schulman Therapy Seated Massage Sensory Repatterning Shen Jing Acupressure Shiatsu Shiatsu Amma Therapy Soma Neuromuscular Integration Somatic Therapy SomatoEmotional Release SourcePoint Therapy Sound Healing Sound Therapy Sports Massage St. John Neuromuscular Therapy Steamy Wonder System Stone Therapy Strain-Counterstrain Stretching Techniques Structural Energetic Therapy Structural Integration Sugar Scrub Swedish Massage Swe-Thai Massage Tai Chi Tapping Techniques Tellington Touch Temporomandibular Therapy Thai Herbal Compress Technique Thai Massage Thai Yoga Massage The Healing Code Therapeutic Touch Theresa Primmer Method of Deep Thumper Massage Tian Di Bamboo Massage Tibetan Massage Total Body Balancing Touch For Health Touch Therapy Instructors Touch to T.E.A.C.H. Trager Work Trauma Erase Trauma Touch Therapy Trigger Point Therapy Tsubo Point Therapy Tuina Tuning Forks Vedic Massage Venus freeze Vibrational Healing Massage Therapy Visceral Manipulation Warm Bamboo Massage Watsu Wurn Technique Yamuna Body Rolling Yuen Method Zen Shiatsu Zero Balancing Zone Therapy
Mat Apparatus Instruction
Chemical wave Children Custom wrap Design, cut and style Flash or balyage highlights Hair bleaching
Acne treatments Body scrub Chemical peel (no lasers) Cold Light Series 6 Facials Color consultations Cosmetic massage Dermaplanning Eyebrow shaping Eyebrow tinting
Do you have questions about yoga liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by beYogi yoga liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.
How much does yoga 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.
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.
Do I need 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.
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:
Compare the plan prices
Check to see if the modalities you practice are covered
Where does the coverage extend to? Only at a studio? Or does it cover you no matter where you are teaching?
Compare what additional benefits are offered free of charge or for a price
Utilize comparison grids to visually compare plans from the different companies
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. Some companies also offer rental damage coverage at the recommended level of $100,000 in coverage.
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.
Other types of valuable insurance coverages that are available by some companies include product coverage liability, rental damage coverage, and stolen equipment coverage. 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.
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 should I buy yoga liability insurance?
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.
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.
