Yoga Teacher Insurance

Affordable and comprehensive yoga liability insurance for U.S. based instructors 

Get A rated yoga insurance per A.M Best that covers you wherever you teach. We are your destination for all-inclusive yoga liability insurance for one low annual price.

Live Streaming

Live streaming and pre-recorded video included in every policy.

Easy Monthly Payment Options

Instant coverage for as low as $14.08/month paid annually.

Occurence-Form Protection

Industry preferred Occurrence Based Coverage

Yoga Modalities Icon

500+ modalities covered including Acro, SUP yoga, and Yoga Therapy

  • Live streaming and pre-recorded video covered
  • As low as $14.58/month paid annually
  • Coverage for claims made after expiration 
  • 500+ modalities covered including acroyoga, Yoga Therapy, SUP yoga, bodywork and more.

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

Full-Time

$179/1YR

Built for instructors who teach 10 or more hours per week.

One Year Professional

Part-Time

$169/1YR

Great for yoga instructors who teach less than 10 hours per week.

Two Year Professional

Full-Time

$334/2YR

Built for career teachers.  Save $24 instantly.

beYogi's Trusted Insurance For Yoga Teachers

beYogi BBB Business Review

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.

Professional & General Yoga Liability Limits

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

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.

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

beYogi does not require liability waivers to complete your insurance purchase. Here is a free yoga teacher liability waiver template for your use. 

No Quotes

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! 

Why Is Our Yoga Insurance Policy Comprehensive?

Not all insurance is created equal, a comprehensive policy can save you money, time, and headache knowing you are covered for all your needs as a yoga teacher (+more in our case). 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 ›


Exclusive Membership Benefits

beYogi insurance policies include exclusive member benefits such as discounts to your favorite yoga brands, discounts on yoga education, a free yoga website, preferred group rates on insurance plans, discounts on business resources, and savings on everyday expenses.

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 200hr yoga teacher training?

For just $60 our student trainer insurance provides the same full coverage and member benefits as a professional policy. Plus, the coverage is good for a full year after you graduate.

As a student in a 200 YTT course the price was definitely right! The website was well-laid out with very comprehensive information and no pressure to purchase. Enrolling took less than five minutes and I received my certificate of insurance immediately. I would highly recommend BeYogi to other people.


Deborah, verified review via Trustpilot

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, online coverage, an occurrence based policy 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 YogaPro IDEA formally Yoga Journal Teachers(PLUS) Next Progressive Insurance Canopy K&K Insurance
General & Professional Liability (E&O) Insurance $2MM/Occurrence; $3MM Annual Aggregate Choice of $1MM or $2MM/Occurrence; $3MM or $4MM Aggregate Choice of $1MM to $2MM/Claim; $1MM to $4MM Aggregate Choice $500K to $2MM/Occurrence; $1.5MM to $4MM Aggregate $1M/Occurrence; $2M Aggregate $2MM/Occurrence; $3MM Annual Aggregate Choice of $1MM to $5MM/Occurrence; $5MM Aggregate
Identity Protection Plan Add on
Occurrence-Based Coverage
500+ Modalities Covered
Live & Pre-recorded Video Included
Liability Waiver Required
Requires A Quote To Purchase
Annual Membership Fee
Annual Price (per year) $169 PT
$179 FT
$122 PT + Fees*
$146 FT + Fees*
$116 PT
$177 FT
(only yoga, pilates, aerobics instruction)
$192
(2MM/4MM Premium)
$404 $129
(+ Add ons)
$360
(Yoga + Other)

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.

Yoga Styles Covered

We are proud to offer coverage for over 500 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

Yoga Modalities

Abhyanga
Accessible Yoga
Accu-Yoga
Acro Yoga
Acrosage
Amrit
Ananda
Anusara
Aqua yoga
Ashtanga
Assisted Stretching
Aston Patterning
Ayurveda
Balneotherapy
Baptiste
Barbara Brennan Technique
Bhakti
Bikram
Bindi
Biosonic Repatterning
Biosync
Body Talk
Body-Mind Centering
Bonnie Bainbridge Cohen System
Breathing Techniques
Breema Breathwork
Broga
Buti Yoga
Chair Yoga
Chakra Yoga
Chi-Kung Yoga

Children's Yoga
Corepower Yoga
Crystal Therapy
dharma yoga
Doga/Goat Yoga

Dru Yoga
Eden Energy Medicine
Emotional Freedom Technique
Energy Healing Techniques
Energy Kinesiology
Forest Therapy
Forrest Yoga
Full Spectrum Energy Medicine
Gel
Gems
Goat Yoga
Hatha
Healing from the Core
Hellerwork

Holotropic Breathwork
Hot yoga
Integral Yoga
Integrative Yoga
Inversions
ISHTA
Iyengar
Japa
Jivamukti
Jnana
Kalari Yoga
Kali Ray TriYoga
Katonah Yoga
Kharma

Kids Yoga
Kripalau
Kripalu Bodywork
Kundalini
Laughing yoga
Mindfulness
Meditation
MELT Method

Mentastics
Naam Yoga Therapy
Nidra Yoga
Noga
Ohashiatsu
Phoenix Rising Power
Prenatal Yoga
Primordial Energetics
Raja

Reiki
Restorative
Scaravelli Yoga

Sculpt yoga
Sensory Repatterning
Sivananda
Slow Flow
Sound Healing
Stand Up Paddleboard Yoga (SUP)
Stretching Techniques
Svaroopa®
Tabatas
Tantra Yoga
Tension & Trauma Releasing Exercises
The Diamond Method
The Healing Code
Trauma-Informed Yoga
Vini
Viniyoga
Vinyasa
White Lotus Yoga
Yin
YogaFit® Personal Training
Yoga for Athletes

Yoga Life Coaching
Yoga nidra
Yoga Therapy*
Yuen Method

*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?

Most yoga liability insurance companies offer insurance policies between $179 and $400 annually. However, there are many factors to consider when shopping for the best yoga insurance price. Of course, the premium cost is essential, but it's also important to consider what it includes.

For example, many insurance companies may offer a low premium but tack on additional fees for extra services, coverage, or benefits. When considering which insurance company is best for yoga teachers, consider what the policy includes with the premium and what costs extra before making your final decision. 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?

Having your own individual policy or personal liability insurance is always a good idea. Many yoga studios require some form of liability insurance for their instructors. Although many states may not legally require liability insurance, it can save you more. 

While not every yoga studio requires liability insurance, being unprotected could be a risk many yoga instructors are unwilling to take. Consider the cost of a liability lawsuit. Can you afford to potentially pay thousands or more unexpectedly? Your yoga liability insurance policy may be the better alternative. 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 professional and general liability coverage is $2 million per occurrence with a $3 million annual aggregate. Of course, you'll likely want an insurance company that goes above and beyond with additional coverages. Not all policies are created equal and it's recommended to do your research into the company's occurrence form policy as well. While your basic coverage may include professional general liability protection, high-quality insurance companies will provide extra coverages within their policy. 

As a yoga teacher, what kind of insurance do I need?

As a professional yoga instructor, it's crucial to have coverage that matches both your work area and the specific modalities you teach. While most policies offer general and professional liability protection, other coverage types might also be relevant. For instance, advertising liability and personal injury liability protection can enhance your insurance, safeguarding you against a broader range of risks.

Carefully evaluate your career needs and select the liability coverages that align with your specific requirements. Make sure your policy fully addresses the unique aspects of your practice. Read on for more information on why liability insurance is important.

What is the difference between general & professional liability?

Professional liability coverage helps protect against occupation-specific risks, like a professional error or a negligent omission. These situations can occur when the yoga instructor does something wrong or is accused of doing something that results in harm or damage to another individual. 

General liability coverage is designed for generic risky situations, like a slip or fall. These circumstances are not tied to a specific profession but could occur in any occupation. General liability claims can arise when there is perceived negligence, creating a hazardous situation or environment that causes harm or damage to another individual.

When is yoga insurance for teachers necessary?

For many yoga instructors within studios, yoga insurance is a prerequisite to employment. However, yoga insurance can be needed even as a student learning to become a professional yoga instructor. Yoga insurance is designed to protect yoga teachers from the financial responsibility of a liability lawsuit, which could occur during a yoga instructor's education or career. 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?

One of the benefits of a beYogi policy is its portability. In other words, you're not tied to a specific location to teach yoga. We offer coverage in all 50 states and ensure the yoga instructor, not just the place they teach yoga. This means you're free to take your classes on the road, to the park, or to a friend's house. Your coverage follows you wherever you go and wherever you teach yoga within the United States.

Should I get liability insurance if I am a student in yoga teacher training?

Even students could be held responsible for liability lawsuits if they are accused of harm or damage. When you're still learning your craft as a professional yoga instructor, you could make a mistake that leads to an injury or an accident. So, it's pivotal to maintain the safety net of yoga instructor insurance as a student. 

Fortunately, we offer a discounted student rate to our up-and-coming yogis. Students can enjoy the same coverage and peace of mind as our professional policyholders while enjoying that student discount as well. 

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?

Yoga teacher insurance is a specialized form of liability insurance specifically for yoga teachers and professionals. As a liability protection, yoga teacher insurance provides coverage for various risky situations that could be associated with professionally teaching yoga. Although specific yoga instructor insurance policies can vary in particular coverage, a few of the critical components for a yoga liability policy are professional and general liability coverage.

Why Should I Carry Yoga Insurance?

Despite the experience and careful yoga teaching habits, risky situations cannot always be predicted. Yoga insurance can help protect yoga teachers in unexpected situations, like an injury during a class, damaged property, or an accusation of non-physical harm. While these situations may be rare within a Yogi's career, the possibility still remains.

If a yoga instructor is caught off guard without coverage, they could be held financially responsible for a liability lawsuit or claim against them. A yoga instructor might be held accountable for medical expenses, legal fees, or even time away from work. On the other hand, with coverage, a yoga instructor could have a buffer between them and the financial burden of a liability lawsuit. 

Read more about real world claims yoga teachers face here.

What does yoga insurance protect me from?

In addition to the financial protection that comes with a yoga teacher insurance policy, there are several other benefits to being a policyholder. For example, having insurance can boost your credibility by demonstrating to clients that you are a professional who prioritizes safety and responsibility. This confidence allows you to focus on teaching without worrying about unforeseen issues.

Additionally, members may enjoy a series of benefits from their policy. A beYogi member has numerous member benefits at their fingertips, including exclusive discounts, services, and resources. These perks of the policy make our coverage all the more beneficial for our members.

 

Benefits of Having Yoga Teacher Insurance

In addition to the financial protection that comes with a yoga teacher insurance policy, there are several other benefits to being a policyholder. For example, having insurance can boost your credibility by demonstrating to clients that you are a professional who prioritizes safety and responsibility. This confidence allows you to focus on teaching without worrying about unforeseen issues.

Additionally, members may enjoy a series of benefits from their policy. A beYogi member has numerous member benefits at their fingertips, including exclusive discounts, services, and resources. These perks of the policy make our coverage all the more beneficial for our members.

 

What is occurrence-based coverage, and why is it important?

Occurence-based coverage is the preferred coverage option because it protects policyholders even after the policy expires. With occurrence-based coverage, you're protected for incidents that occur during the policy period. Even if you file a claim after the policy expires, you'll still be covered for incidents that happened while the policy was active.. 

Claims can be delayed for various reasons, such as a client not realizing the full extent of their injury, paperwork issues, or other factors. As a result, a claim might be filed after your policy has expired. For this reason, occurrence-based protection can be a lifesaver for yoga professionals because they don't have to stress about a claim being filed on time for incidences that occur while the policy is in place.

 

How does a yoga insurance claim work?

A yoga insurance claim can be a relatively simple process. After an incident in which a student or third party is harmed, they could file a lawsuit against you. If this happens, the policyholder will simply contact the yoga insurance company and inform them of the claim. The insurance provider will then determine the claim's validity and what portion of coverage may be available. Your insurance agent can walk you through the details once a claim occurs.

 

What does it mean to be BBB accredited?

Accredited by the Better Business Bureau (BBB) means a company has met the standard requirements for reliable business practices. The BBB is a nonprofit organization that reassures consumers about a company, ensuring it is dependable and safe to do business with. 

The Better Business Bureau also provides rating systems for consumers to evaluate which company may best fit their needs based on other consumers' experiences.

Additionally, members may enjoy a series of benefits from their policy. A beYogi member has numerous member benefits at their fingertips, including exclusive discounts, services, and resources. These perks of the policy make our coverage all the more beneficial for our members.