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.

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.

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.

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. 

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

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.

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.

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.

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.

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.