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 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.

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.

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.

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.

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In order to understand what yoga insurance is, we’ll need to explore the various protection mechanisms and benefits built into an effective policy. Yoga insurance can be broken down into two main coverage areas: yoga liability insurance and additional coverage areas. 

Yoga Liability Insurance 

A liability is something that you are legally responsible for paying. Just by opening up for business and offering classes to yoga students exposes a professional to several forms of liability. If a student gets injured under your watch, the courts may decide in a suit that you’re responsible for covering all their costs.

The three main types of liability facing yoga instructors includes general liability, professional liability, and product liability. With coverage in place specifically for claims relating to these three types of liability, our yoga insurance plan is setting up protection for the majority of liability yoga instructors face.

Additional Coverage Areas 

Rental damage protection, stolen equipment coverage, and an identity protection plan envelop our members with total peace of mind, knowing we’ll be there to cover every pose, every class. These three additions into our yoga insurance plan helps provide the best all-around protection available. 

Additional protection for yoga professionals includes:

• Rental Damage Coverage: coverage applies to a yoga studio or space that you’re renting to provide yoga instruction. Our yoga insurance provides you all the way up to $100,000 to help cover the costs of repairs when damages occur to a rented yoga space. While some programs only cover fire and water-related damages, our rental damage coverage extends to many different perils in order to provide the most relevant protection for today’s professionals.
• Stolen Equipment Coverage: blocks, yoga mats, office equipment, even cell phones—whatever property your business needs to operate that is suddenly stolen from you in a robbery-by-force is covered up to $1,000 with a $250 deductible. Stolen equipment coverage provides a safety net at a time when how you’re going to pay for stolen property should be the last thing you have to worry about. 
• Identity Protection Plan: today’s yoga professionals have to rely more on the internet than ever before to stay connected to their community. With so many different ways for a cyber incident to occur, our plan provides real-world protection with $25,000 worth of identity restoration services should a policyholder’s identity be compromised. 

The most important part of that question is, “I”. Why should I carry insurance? For anyone who’s serious about a career as a yoga teacher, insurance is a given. Some may think since they work in a studio that has coverage, they should be good if an unfortunate event occurs. The fact is, even if you do have some coverage through your yoga studio, it's often a very small amount—leaving the professional alone responsible for covering any shortfalls on a given claim.

Carrying too-little or no insurance at all carries a great deal of personal risk for a yoga teacher. Insurance means you’re transferring the risk of having to pay for a claim yourself, back onto your insurance company. Therefore the best long-term success risk avoidance strategy in the yoga industry is to secure individual yoga insurance.

With the affordable plan offered by beYogi, professionals don’t have to decide between great coverage and affordable rates. Our yoga instructor insurance was purposefully built to provide stout protection for the real types of risks yoga teachers face today, and to do so at a competitive rate. 

The liability protections and different coverages included with yoga insurance were put in place after many years of working in the yoga industry and by understanding what real protection looks like. To really create value, beYogi seeks to support yoga professionals throughout their yoga careers. That’s why our yoga teacher insurance includes both solid coverage options, as well as a great member benefits program. 

Our yoga insurance provides discounts and early access deals from a wide array of partner organizations for goods and services our members use everyday. We also include a free, easy-to-use website that can be customized right to your brand of yoga in your area. This local presence helps you stand out in the digital landscape and when students are turning to search engines for the types of services you provide.