Comparing Yoga Insurance
There are plenty of yoga teacher insurance providers but there’s only one beYogi. See how we stack up against the rest.
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How Do You Know Which Yoga Teacher Insurance Is The Best?
We've done the research for you and assembled a detailed comparison of the best yoga insurance companies so you can rest easy knowing you're making the right choice.
A quick glimpse into what makes beYogi the best yoga liability insurance for yoga teachers on the market.
- Best Price: beYogi offers the most affordable yoga teacher insurance
- Highest Professional & General Liability Limits: All carriers have $2 Million Per Claim, Yoga Alliance and Yoga Journal have $3 Million Total Aggregate
- Product Liability Individual Aggregates: All carriers have a $2 Million limit, except for Next & Insurance Canopy
- Occurrence Form Coverage Offered: beYogi offers the industry preferred liability
- No Membership Fee: beYogi, Next Insurance, Alternative Balance do not require fees
- Coverage for 450+ Modalities: beYogi. Over 60 yoga styles & 450+ wellness modalities covered
- Identity Protection Offered: beYogi covers $25,000
- Free Professional Website: beYogi
- Portable Coverage: beYogi, Yoga Alliance, Yoga Journal, Alternative Balance, Philadelphia Insurance
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.
Need More?
Explore Our Comprehensive Comparison Guides
We’ve documented in-depth guides about how our coverage measures up to others in the market. Read more to see why people choose beYogi.
Others include: K&K Insurance
Comparing Coverage Limits
When comparing different yoga insurance carriers, you’ll see a lot of references to coverage limits. This simply means the total amount the carrier will pay on a claim or group of claims during the policy term. Professional Liability claims are related to events that occur during the course of your yoga instruction. More commonly known as “malpractice insurance”, professional liability claims could come from simple acts like overstretching a student who becomes injured or not realizing another student is pushing themselves too hard and they overexert in some fashion. Conversely, General Liability claims are commonly called “slip and fall” as they can be as common as a student tripping over loose carpet when they enter the studio and being injured in the fall. All carriers we’ve compared here have up to $2 Million in coverage limits for both Professional and General Liability claims. Next Insurance also offers a $500,000 and $1 Million limit on select plans but be forewarned, such a small limit could leave you significantly exposed. Yoga Alliance, Yoga Journal, and Philadelphia Insurance all have the best annual General and Professional Aggregate Limits at up to $4 Million. Annual Aggregate is the total of all claims filed under your policy during the term period.
Occurrence Form Coverage
As opposed to a claims-made policy, occurrence form coverage provides members the benefit of yoga insurance coverage even after their policy expires. So if a claim is filed against you after your policy expires, as long as the claim-event occurred while the policy was still in effect, you’re covered..
Membership Fees
Next Insurance and Alternative Balance also do not charge membership fees but do charge extra for some modalities. Yoga Alliance, Yoga Journal, and Philadelphia Insurance also all charge fees in addition to their premiums.
Identity Protection
In a world where identity theft and data breaches are becoming an everyday occurrence, we’ve included $25,000 worth of leading identity theft protection, included at no extra cost with our policies. beYogi wants you to be covered from every possible what-if so you can focus on your practice and helping others on their own yoga journeys. No other carrier compared offers identity theft protection with their yoga liability insurance policies.
Member Benefits
One of the best benefits of a beYogi policy and something none of our competitors offer is a free professional website to get your practice on the web. Our professional website makes you and your business stand out, helping you reach all the people in your area searching for your specific modality. Additional benefits include a host of discounts from the leading names in yoga gear and accessories, as well as, exclusive access to members-only content on everything from poses to business resources. Our member benefits are carefully curated in order to bring about a maximum benefit to complement our comprehensive insurance packages. At beYogi, we recognize the incredible effort it is to build and maintain a business so provide an array of tools for practitioners to employ to be successful in their practice.
Modality Diversity Comparison
beYogi is the only yoga insurance provider in this comparison to afford coverage for more than 350 different modalities (and counting!). We know there are so many different ways for our members to offer instruction in the modality that they know and love. Because of this, we continue to add even more modalities to ensure your chosen path is covered. Don’t see yours currently listed? Just reach out and our knowledgeable sales team will see if we can add your specific modality to our covered list.
Portability
All carriers we compared offer portable coverage for their insurance policies in all 50 states except for Next Insurance. If you’re moving your practice, be sure to check the licensing requirements in your new state by checking the State Board for yoga in the state you are moving to. Some states require additional education or training which could delay receiving a new license if you don’t plan ahead.
Yoga Insurance Reviews
At beYogi, we utilize a non-biased, third-party rating system called TrustPilot for gathering verified customers reviews. We do this so you can get a complete, honest picture of real-life member’s experiences buying and using our yoga insurance products. beYogi yoga teacher insurance reviews shows us to be rated as “Excellent”, with 5 out of 5 stars, based on more than 200 reviews so far on TrustPilot. The only other carrier to utilize TrustPilot is Yoga Journal, who is rated as “Great”, with 4 out of 5 stars, based on 170 reviews. Yoga Alliance, Next insurance, Alternative Balance, and Philadelphia Insurance do not utilize TrustPilot’s unbiased rating service.
Great Coverage, Fantastic Benefits, One, Low Price
beYogi thinks you should be able to have all the information right in front of you so you can make the best decision for you and your practice. We’ll never push you into purchasing a policy through us, we just want you to be at peace with the carrier you choose. That’s why we present all of ourselves to our potential members so you can see just how much we offer - all at a price point that’s better than any of our competitors. I
beYogi yoga liability insurance has the lowest rates of any carrier out there for the amount of modalities covered and the plan limits provided. Philadelphia Insurance offers a fairly low rate but only covers a small number of modalities. Next Insurance has a low premium option, but does so at a very low limit amount which could leave the insured significantly exposed during a risk event. For most carriers we compared, modalities not covered require an additional fee and, even then, are still fairly limited in their overall number.
Most of the carriers offer the convenience of full-time and part-time yoga insurance but the plan limits vary significantly. BeYogi and Alternative Balance are the only carriers to also offer student yoga instructor insurance but Alternative is nearly 8x the price for this coverage. BeYogi is one of the few carriers compared which didn’t tack on any additional membership fees or other surcharges.
Full-Time Price Comparison (lowest to highest):
- beYogi: $179
- Philadelphia Insurance: $185 + Additional fees for some states/modalities.
- Next Insurance: $192
- Yoga Alliance: $146 + Membership Fees. Select Modalities Only.
- Yoga Journal: $169 + Membership Fee.
- Alternative Balance: $249 + Additional fees for some modalities.
Part-Time Price Comparison (lowest to highest):
- beYogi: $169
- Yoga Alliance: $122 + Membership Fees. Select Modalities Only.
- Philadelphia Insurance: $125 + additional fees for some states/modalities.
- Next Insurance: $192
- Alternative Balance: $146 + additional fees for some modalities.
- Yoga Journal: $146($2M/$4M) + Membership Fee
Student Price Comparison
- beYogi: $60
- Alternative Balance: $189
Defining Full-Time vs. Part-Time
Not every carrier has a part-time versus full-time distinction for their plans,
so part-time instructors have to pay the full-time rate. For those carriers
that do offer different rates, their weekly “hour caps” are as follows:
- Yoga Journal: Part Time < 6 hours per week
- Philadelphia Insurance: Part Time < 6 hours per week
- Yoga Alliance: Part Time < 8 hours per week
- Alternative Balance: Part-Time < 10 hours per week
- beYogi: Part Time < 10 hours per week
Over 17,000 Yoga Teachers Trust beYogi
The results are in: beYogi is the ultimate destination for yoga teacher insurance—and yoga professionals raving about their policies. We're rated Excellent on Trustpilot and have 4.8 stars on Google Reviews.
Why beYogi For Yoga Teacher Insurance?
We offer annual flat rates for three categories of yoga professionals: full-time, part-time, and student teachers. Both part-time and student teachers receive the same great coverage as full-time yoga teachers but at a discounted rate.
Here are other ways we pass along the price-savings to you:
- Additional insureds are just $10 each
- No additional cost for over 500 yoga and fitness modalities
- Free, unlimited certificate of insurance (COI) downloads
With no lengthy quoting process, we are proud to offer the coverage you need without the hassle.
We offer more than just great insurance – we are your destination for yoga teacher discounts, resources, and more.
With benefits totaling in the thousands, use your exclusive member portal to unlock discounts on:
- Continuing Education
- Additional Online Certifications
- CPR and Yoga Business Classes
- Supplements & Essential Oils
- Teaching and Studio Software
- Mats, Bolsters, and Athletic Wear
- Dental, Vision, Auto, and Home Insurance
Plus a free professional website and $25,000 in included identity theft coverage, you have everything you need to supercharge your teaching career.
We're Known For Our Transparent Policy Rates
One Year Professional
Part-Time
$169/1YR
Great for yoga instructors who teach less than 9 hours per week. Same coverage as the FT policy.
One Year Professional
Full-Time
$179/1YR
Great for teachers teaching 10 or more hours per week. All the coverage you need to teach online, in-studio, outside.
Two Year Professional
Full-Time
$334/2YR
Great for teachers who know they will be teaching for 2+ years. Save $24 instantly by choosing the two year policy option.
4.8 Rating
on Google Reviews, an independent review platform
85%
of Trustpilot user's rated beYogi 5-stars
5 Minutes
to go from a simple one-page checkout to fully covered
Breathe Easy, Teach Confidently With beYogi
Empower your teaching practice with the easiest choice you’ll make all day. Get covered and download your certificate of insurance in seconds.
Frequently Asked Questions When Comparing Yoga Insurance Policies
Due to yoga’s physical nature, it carries a greater risk of accident or injury for various reasons. Of course, no instructor would intentionally harm or mislead their clients, but accidents and mistakes can happen to anyone.
For this reason, yoga instructor insurance provides a layer of protection in case something goes wrong and someone gets hurt. Suppose a client is harmed while under your care; it could lead to a liability lawsuit, which can be very expensive. Yoga insurance can help protect your finances and career in worst-case scenarios. Without it, a yoga instructor could be solely responsible for a liability lawsuit against them.
Common yoga liability claims include professional, general, personal injury, and advertising claims. Each category has distinct parameters, so let's discuss some professional and general liability claims common for yoga instructors.
Injuries and accidents due to a professional error could include overexertion, strained muscles, broken bones, or aggravated pre-existing conditions. Professional liability coverage could help protect the yoga instructor if the student decides to sue in these types of claims.
General liability claims could include an injury from a fall, personal property damage, or an incident involving an unsafe environment. While not related directly to yoga, these situations could have a devastating impact. General risks could occur anywhere, so it's also important to have coverage for these situations.
When you choose beYogi as your liability insurance provider, your policy includes hundreds of modalities and disciplines. While we have a few policy exclusions, we're constantly adding more disciplines and yoga methods to our list of what we cover.
If you don't see your area of expertise on our list, we are happy to talk to you about it. Our team is here to help you get the coverage you need. You may find your arena covered under another name or in a different category. Call an agent and discuss your situation. We'll do all we can to help you get the coverage you need as quickly as possible.
With any liability insurance policy, there are a few exclusions for which we are unable to provide coverage. While we keep our exclusions list short, it's essential to know precisely what your coverage includes and what's not covered by your policy.
Check out the complete list of policy exclusions and included disciplines so you can see if your policy covers your services. Of course, if you have any questions or concerns, our team is ready and willing to help you find the answers you need. Contact our friendly staff by email or phone, and will help you get to the bottom of your query in no time.You bet there are! Over our years in the business, one of the most rewarding things we do is invest in the next generation of yogis and yoga professionals.
Students have a special rate for one year of coverage. For just $60, yoga teacher students enjoy the same coverage and benefits as our professional rates with a full 12 months of coverage. This gives students the peace of mind to know they are protected throughout their studies as they take the first vital steps of their careers. Plus, once students are ready to become yogis, renewing their policy with beYogi is simple and fast since we already have their information on file.We like to give our members exclusive access to a range of benefits that enrich their professional lives and enhance their personal career goals. Our member benefits package has been meticulously curated to suit the needs of yoga instructors. Whether it's discounts on products they use during their classes or access to affordable health care plans, these perks of the policy include a holistic approach to providing for our policyholders.
In addition to the traditional benefits, like discounts and exclusive services, having comprehensive insurance coverage is a crucial aspect of protecting their career. Insurance offers peace of mind by ensuring financial protection against unforeseen events, such as injury or illness, which could otherwise disrupt their teaching practice. This financial safety net helps maintain stability, allowing instructors to focus on their passion without the added stress of potential economic hardship.
Carrying insurance enhances professional credibility. It signals to clients and employers that you are a responsible and prepared professional, committed to safeguarding your career and well-being. This added layer of security not only supports your personal health and wellness but also strengthens your position in the competitive field of yoga instruction.
We love to make our members feel special, so we’ve created the benefits package to do just that—combining valuable discounts with essential insurance coverage to ensure a balanced and secure professional journey.
Occurrence form insurance is a type of coverage that stands beyond the life of your policy. With this protection, you can be eligible for coverage on incidents that occur during the term of your policy, even if a claim is filed after the policy expires. This provides long-term protection, giving you peace of mind and confidence.
Another type of coverage is claims-made insurance, which requires both the incident and the claim filing to happen while the policy is in effect. Even if a claim is filed one day after a policy expires, claims-made insurance will likely deny coverage.
As a rule, we only offer occurrence form insurance, so our members can rest easy in their liability coverage.
With beYogi, your coverage starts immediately upon purchase, providing instant proof of insurance. Unlike other companies that may have delays, we ensure you get instant protection. The enrollment process is quick and easy, taking just about five minutes. Secure your yoga liability insurance today and enjoy immediate coverage!
