Liability Insurance for Full 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 49 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.
Our part-time policy covers you for 10 hours or less per week (the highest in the industry) and has the same coverage as the full-time policy. Also, save $30 by getting the 2-year yoga insurance policy.
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.
Stolen Equipment Coverage: $1,000 w/ a $250 deductible
450+ 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 ›
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.
$1,000 In Member Benefits Included
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.
If you are insured from January 1st 2020 to December 31st 2020 (12 months) and an incident occurs in May 2020 but the claim is not filed until May 2021, beYogi still covers you even if your insurance has expired. This is "Occurrence Form" coverage which most yoga insurance companies don't offer. No matter if you choose beYogi, definitely make sure your provider is "occurrence form."
Calling all Students!
For just $55 get the full coverage and member benefits of a professional policy. Plus, the coverage is good for a full year after you graduate.
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
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, product coverage, rental damage insurance, stolen equipment insurance, 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.
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
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beYogi Yoga Insurance Reviews
Yoga Insurance Comparison Chart
Compare yoga liability insurance in the grid below:
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.
*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 Acrosage Active Isolated Stretching Active Myofascial Acu-Kinesiology Acupressure Acutonics Ai Chi Alexander Technique Amma Therapy Animal Acupressure Animal Massage Anma Therapy Applied Kinesiology Aqua Massage ARC Technique Aroma Freedom Technique Aroma Reflex Therapy Aromatherapy Arvigo Techniques of Maya Abdominal Therapy Ashi-Thai Ashiatsu Barefoot Massage Ashiatsu Oriental Bar Therapy Asian Bodywork Therapy Aston Patterning Asymmetric Body Balancing Asymmetric Body Balancing Attunement Attunement Ayurvedic Massage B.E.S.T Baboossage Bach Flower Remedies 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 Bindegewebs Massage Bindi Bio Touch Healing Biodynamic Craniosacral Therapy Bioenergetics Bioenergy Massage Biomagnetic Touch Healing Biomagnetism Biosonic Repatterning Biosync Body Image Enrichment Body Logic Body Talk Body Wraps Body-Mind Centering BodyTalk Bodywork for the Childbearing year Bonnie Bainbridge 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 Cohen System Color Light Therapy (no lasers) Complete Decongestive Therapy Connective Tissue Massage CORE Bodywork Core Energetics Corepower Yoga 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
Equirub Equissage Equissage Esalen Massage Essential Oils Massage Facial Massage Fascial and Membrane Technique Feldenkrais Method Feng Shui Fertility Massage Figian Massage Fijian Massage Fire Cupping Five Element Shiatsu Forearm Dance Technique Four-Hand Massage Full Spectrum Energy Medicine Functional Range Release G-Jo Acupressure Geriatric Massage 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 Integrated energy Therapy Integrative Accupressure 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 Manual vacuum Cupping (silicone/plastic/vacuum machine) Massage Therapy Instruction Maya Abdominal Massage McMillan Massage Technique Mechanical Link Medical Massage Medical Qigong Therapy MELT Method Mennell Massage Technique Mentastics Merciér Therapy Micro Needling Mother Massage Moxibustion Multireflexology - Dien Chan Muscle Activation Technique Muscle Energy Technique Myofascial Release Myomassology Myopractics Myoskeletal Alignment Technique Myotherapy Nalneotherapy Naprapathy Nepali Massage Neural Manipulation Neuromuscular Reprogramming Neuromuscular Therapy New Manual Articular Approach Nidra Yoga
Niel-Asher Technique Nuad Bo’ Rarn Nurse Massage Ohashiatsu Okazaki Restorative Massage On-Site Massage Oncology Massage Ortho-Bionomy Orthopedic Massage Pediatric Massage Percussion 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 Rapid Neurofascial Reset Raynor Massage Therapy Reconnective Healing Reflexology Reflexology Instruction Reiki Remedial Massage Rolfing Structural Rosen Method Rossiter Stretching Rossiter System Rubenfeld Synergy Method Russian Massage Rys Thomas Energy Medicine Sabai of Sa-wan Therapy SacroOccipital Technique Safe Touch Massage Schulman Therapy Sculpt Yoga Seated Massage Sensory Repatterning Shen Jing Acupressure Shiastu Shiatsu Amma Therapy Soma Neuromuscular Integration Somatic Therapy SomatoEmotional Release Sound Healing Sound Therapy SourcePoint Therapy Sports Massage St. John Neuromuscular Therapy Steamy Wonder System Stone Therapy Strain-Counterstrain Stretching Techniques Structural Energetic Therapy Structural Integration Sugar Scrub Swe-Thai Massage Swedish Massage Tai Chi Tapping Techniques Tellington Touch Temporomandibular Therapy Thai Herbal Compress Technique Thai Massage Thai Yoga Massage The Healing Code Therapeutic Touch Therapy- The Diamond Method Theresa Primmer Method of Deep Thumper Massage Tian Di Bamboo Massage Tibetan Massage Tim Tam Topicals 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
Aerobics Apparatus (Pilates) Aqua Fit Aquatic Barre Biodanza Body Beast Cardio CardioCore Children's Fitness
Circuit Training Cize Cross Training Curves Dance Instruction Dancercize Exercise Group Fitness Gyrotonic Instruction (Pilates)
Kickboxing (non-contact) Les Mils Programs Mat (Pilates) P90X Pilates Pilates- Apparatus Pilates- Instruction Pilates-Mat Spinning
Acne treatments Acrylic Airbrush designs Body scrub Charms Chemical peel (no lasers) Chemical wave Children's Services Cold Light Series 6 Facials Color consultations Cosmetic massage Custom wrap Dermaplanning Design, Cut and Color Design, cut and style Endermologie Esthetics Eyebrow shaping Eyebrow tinting Eyelash Extensions Eyelash Lift Facials Fade Cuts Fade Designs False nails Flash or Balyage
Foot scrubs Gel Gems Glitter Grooming Hair bleaching Hair coloring Hair extensions Hair removal (no lasers) Hair Shaping Hair treatments Hairshaping Henna Herbal wraps Highlights Instruction Make-up (not permanent) Manicures Micro needling Micro-current Toning Microblading* Microchanneling Microdermabrasion Nail art Nail Extension Nail repair
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. 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?
Do I need yoga teacher 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. 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:
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 is yoga insurance for teachers necessary?
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. Read on to find out why yoga teachers need liability insurance now more than ever.
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. 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?
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.