A career as a private yoga instructor can be a fulfilling and rewarding life. Each and every day, you work closely with your clients to grow their healthy habits and a balanced lifestyle. But what if something goes wrong and one of your clients has an injury or your rental property gets damaged? What happens if you get sued for liability?
Should the worst happen, that’s where yoga instructor insurance steps in to save the day. Whether you are considering a career as a private yoga instructor or have been teaching for a while, it is important to help protect yourself with yoga instructor insurance.
How Yoga Instructor Insurance Benefits Private Instructors
As a personal yoga instructor, you likely have the incredible opportunity to be self-employed. This comes with the freedom to set your own schedule, work part-time, or take on as many clients as you want. While self-employment can be an excellent way to approach your career, it also comes with a few negative aspects. One of the downsides of being your own boss is that it does not always come with the insurance protection that you need.
In the case of an injury or rental property damage, you could be held responsible for a whole host of expenses. If your client sues you for the cost of their medical services, it could mean that you end up paying that cost from your personal finances. Private yoga instructor insurance could help cover the cost of a liability claim against you.
Types of Liability Coverage
Not all coverage is created equal. Because there are different types of liabilities, your coverage needs to help protect you on multiple fronts. Professional, general, and product liabilities are all significant claims that private yoga teachers may face over the course of their careers.
Professional Liability Coverage
Professional liabilities are those that are directly related to your career as a private yoga instructor. These types of claims are directly related to your instruction, practice, or other aspects of teaching yoga to your clients.
Professional liability claims may include an injury to your client due to overextension, pulling a muscle, or hyper-excursion. With coverage for professional liability claims like these, you could receive financial help if a pupil files a lawsuit for professional liability.
Let’s look at an example of when professional liability might protect you.
You are working with a client on an advanced pose when they suddenly experience severe pain in their lower back. Unbeknownst to your client, they have a pinched nerve at the base of their spine and have made it worse when attempting the pose. After seeking medical treatment, your client is informed that the pain could be a permanent issue. They decide to contact a lawyer and file a professional liability claim against you for the cost of their medical expenses and for the pain and suffering they received from the incident.
In this event, yoga instructor insurance could help cover the expenses related to the lawsuit.
General Liability Coverage
General liability is different than a professional liability in that it refers to incidents that are not related to your work as a yoga instructor. This type of coverage encompasses accidents like trips, slips, and falls. Unfortunately, these are among the most common liability claims they are filed. Because the types of loss or harm that happens in these claims are not correlated to yoga instruction, they are referred to as general liability claims. Let’s take a look at when you may need general liability coverage:
A client is coming into your studio for a one-on-one hot yoga session. As they walk in, they slip on a puddle that was left from an earlier spill. As they fall, they reach out to catch themselves and end up hurting their wrist. There is a good deal of pain, and they require medical attention. When your client has an x-ray performed, they discover they have broken their wrist and will need to wear a cast for several weeks. They call their lawyer.
In the above example, general liability insurance could help ensure that you do not have to pay the cost of the lawsuit out of your personal resources.
Product Liability Coverage
A third example of a liability is product liability. While yoga instructors do not always use products within their modality, it is still a vital part of the coverage. Product liabilities are those related to the items, tools, instruments, solutions, and products you use while instructing yoga. These could refer to oils, burning spices, or instruments.
If a client has an adverse reaction or sustains harm from a product you use or recommend, you could be held liable if they file a claim against you.
Let’s take a peek at when product liability insurance would be needed.
You are working with a client in a personal session that involves meditation and burning incense. As your client settles into the session, they start to have trouble breathing. Unfortunately, they are experiencing an allergic reaction to the incense you are burning. Their response is severe, and you need to call an ambulance to get them help.After they have been treated, they decide to hire a lawyer to file a claim against you. In the suit, they insist that you pay for their medical treatments as well as the ambulance ride to the hospital.
Product liability could help alleviate the cost of a similar situation to the scenario above.
Comprehensive Coverage: The Best of Both Worlds
One of the spectacular benefits of beYogi's personal yoga instructor insurance is that it combines coverage for all the liability types above. In addition, our insurance coverage includes:
Rental property damage protection: Though a good number of private yoga instructors will teach in their client’s homes, you may rent a space for your lessons. If there is an incident that damages your rental property, your landlord could hold you responsible for the cost of the damages. That’s where our insurance would step in to help cover up to $100,000 of the expenses of repairs.
Identity theft protection: While the online world has provided a whole new realm of networking opportunities for private yoga teachers, it has also presented some potential dangers. If your identity is stolen, beYogi insurance would help cover up to $25,000 in losses.
Occurrence-form coverage: We want you to have the best insurance possible, so we only offer occurrence-form protection. This means that you are covered for incidents that occur during the term of the policy. If a client files a claim after the policy expires, but the event occurred during the actual term of coverage, you are still eligible for coverage on that claim.
Portable coverage: Sometimes, life throws you a curveball. Your coverage travels with you if you have to move locations or states. This means you don’t have to worry about a new policy every time life tests your flexibility.
In addition to comprehensive coverage, our private yoga instructor insurance comes with a fantastic range of perks. You work to bring out the best in your clients, so we have built our benefits suite to be personally tailored to yoga instructors. We have created an incredible lineup just to pamper and spoil you a bit that includes things like:
A professional website: We help you create an engaging website where you can book new clients, tell your yoga journey, or display your yoga talents.
Deep discount: As a policyholder, you have access to incredible discounts on the products, services, software, and equipment that you use every day. These discount range from administrative services to yoga mats.
The Cost of Private Yoga Instructor Insurance
Several questions about a career as a private yoga teacher come to mind, such as “how much do private yoga instructors make?” Or, “How do I get started as a private yoga teacher?” But one of the most important questions is, “How much does private yoga instructor insurance cost?” beYogi offers several options to accommodate your situation. Firstly, you can get insurance for part-time instructors for just $159 per year. You have the option to either pay all at once or in convenient monthly installments over the course of 12 months.
If you work as a full-time private yoga teacher, you can get one year of coverage for $179 or two years for $327.95. Once again, you have the option to pay in one payment or in 12 monthly installments.
If you are still working on becoming a yoga instructor, we offer a student rate of $55 for a full year of coverage. You still receive the same incredible insurance and all the benefits that come with it but at a seriously discounted rate.
Ready to get covered? It only takes a few minutes!Get insured today if you are ready to breathe that big sigh of relief from knowing your future is financially protected. In about five minutes, you can have instant coverage and the benefits of having private yoga instructor insurance.
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