Common Examples Of Covered Claims
beYogi provides peace of mind by preparing you for the unexpected—see how yoga insurance has protected professionals just like you. Get a deeper understanding of what an insurance claim actually looks like through accurately fictionalized examples.
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Real-Life
Yoga Insurance Claim Examples
Whether your employer requires you to carry your own liability insurance (54% of beYogi members say theirs does), or you simply want peace of mind, you’ve come to the right place.
Discover real-life insurance claims and see how beYogi has your back—no matter what life throws your way.
*Please note claim scenarios are for illustrative purposes only. Actual coverage is always determined by the carrier and based upon the policy language.
During one of Sarah’s routine acro yoga classes, a student fell while attempting an Acro skill with a new partner, resulting in a sprained wrist and minor back injury. Despite Sarah’s verbal warning and liability waiter requirement, the student later filed a claim alleging improper instruction led to their fall and costly medical bills.
As a member of beYogi Insurance, Sarah immediately reported the incident and initiated the claims process. Thanks to her general and professional liability coverage, she was protected from financial liability, including legal fees, allowing her to continue teaching without disruption.
Emilio, a certified Pilates instructor and online creator, posted a client’s before-and-after transformation on social media as part of her digital marketing strategy. A competitor claimed the post was misleading and alleged that Emilio had infringed on their copyright by using similar phrasing from their campaign. Shortly after, Emilio received a cease-and-desist letter along with a demand for financial damages.
Fortunately, Emilio had beYogi’s advertising and personal injury coverage. He immediately contacted beYogi, and his insurance stepped in to cover his legal defense and settlement costs. The smooth claims process allowed Emilio to dispute the allegations without financial strain, ensuring he could continue teaching and running her business without interruption.
Rocky, a certified yoga therapist specializing in trauma-informed healing, became a victim of identity theft when she received a notification about a fraudulent credit card application in her name. Soon after, unauthorized charges appeared, her email was hacked, and scammers attempted financial fraud using her business credentials. The incident put her finances, professional reputation, and client trust at risk, leaving her overwhelmed with legal disputes and identity recovery efforts.
Fortunately, Rocky had beYogi’s identity theft coverage. She immediately contacted their support team, about her cyber insurance claim who provided financial assistance for legal fees, credit monitoring, and identity recovery services. With beYogi’s help, Rocky was able to reclaim her identity, secure her business, and recover from the fraud without facing devastating financial losses.
What Coverage Protects You In the Event Of A Claim?
Without yoga insurance, Sarah, Emilio and Rocky would have faced massive out-of-pocket costs and serious risks to their yoga teacher reputation if faced with a claim. With beYogi, you’re covered in situations like these, thanks to coverages such as:
General & Professional Liability
beYogi’s insurance for yoga professionals covers both general and professional liability, protecting you against third-party bodily injury and damage to a client's property. Accidents happen—whether it's a mistake on your part or a client slipping. This coverage ensures you're protected if someone is harmed or if a client's property is damaged during your sessions. It also safeguards you if a client gets injured after acting on your advice.
Personal Injury & Advertising Injury
beYogi’s coverage includes personal injury and advertising injury protection. In simple terms, personal injury covers you if a client claims harm from things like slander, defamation, or emotional distress caused by your actions. Advertising injury protects you if you’re accused of misusing someone’s name, logo, or trademark in your marketing. Essentially, these cover you if something you say or do (or even what you advertise) ends up causing harm to someone else’s reputation or rights.
Identity Theft Protection
Identity theft occurs every 22 seconds, and fraud cases have been steadily rising over the past decade. That’s why every beYogi policy includes identity theft protection—so if the unexpected happens and you face a cyber-related claim, you can rest easy knowing you're covered.
Statistics from: https://identitytheft.org/
Traveling & Online
Every beYogi policy includes portable and online coverage, so you're protected no matter where you teach. Whether you're in-studio, teaching at home, offering online sessions, or traveling across the country, your coverage follows you in all 50 states. This includes protection for both live online and pre-recorded yoga services, ensuring you have peace of mind wherever and however you provide your yoga expertise..
Services Covered by Yoga Teacher Insurance
We are proud to offer coverage for over 500 wellness modalities which includes many related yoga & wellness services. Take a look below at our most popular services or we invite you to explore our entire list of covered modalities.
Acupressure
Aromatherapy
Chakra Healing
Children's Yoga
Healing Touch
Hot Stone Massage
Massage
Yoga Nidra
Meditation
Pilates
Reiki
Yoga
Tai Chi
Yoga
Qigong
Yoga Therapy
More Than Just Insurance
beYogi insurance isn't just a sunk cost, we're here to show you the value of a membership beyond our comprehensive insurance protection.
Insurance Marketplace
Yoga teacher support with healthcare options & discounts
We’re not just here to protect your finances with yoga insurance—we also offer discounted individual healthcare options and exclusive savings on everyday business expenses. From liability coverage to financial relief on essentials, we’re committed to supporting you in every aspect of your yoga career.
Yoga Business Supporter
Yoga Business Support with a galore of resources & career support
From CE credit opportunities through our webinar series led by industry experts to blog content packed with career tips, we provide the tools to support your growth. Plus, with guides, resources, and exclusive perks, we’re committed to helping you build a successful and sustainable yoga career.
More Value Added
Over 7x more value than what you paid with member benefits
You pay one flat annual fee for yoga insurance, but you also get over $1,300 in extra perks—like discounts, business tools, and resources. If you make the most of these benefits, you’re getting over 7x the value of what you paid. It’s just our way of adding more support to your yoga journey.
Yoga Teacher Insurance Cost
If you teach yoga part-time, or full-time or you’re in training to become a yoga teacher, you need insurance. Don't become an insurance cautionary tale but a success story. Get the financial protection you need to ensure you can continue doing what you love.
One Year Professional
Part-Time
$169/1YR
Great for yogis who teach less than 10 hours per week.
One Year Professional
Full-Time
$179/1YR
Built for instructors who teach 10 or more hours per week.
Two Year Professional
Full-Time
$334/2YR
Built for career teachers. Save $24 instantly.
FAQs
A claim has been brought against you by a student claiming they got injured under your care, now what? With beYogi, you contact our Operations Team at sarasota.bsd.operations@ajg.com to file a claim. Our team will verify your coverage and ask you to complete a Claim Summary Form along with additional supporting documents that may be required depending on your situation. You will get guidance from our team through the process and update you on any next steps.
Yoga teacher liability insurance is essential for any yoga instructor who teaches in a public or private space. It provides protection against legal liability arising from injuries or damages suffered by participants in their classes and other professional activities. Yoga teachers should consider obtaining this type of insurance to avoid facing costly legal fees if they were ever taken to court over negligence claims.
Yoga instructor insurance is a policy designed to protect yoga professionals from liability claims resulting from accidents, injuries, or professional negligence. Even with proper training and safety precautions, unexpected incidents can occur, making insurance a critical safeguard.
Commonly covered claims include:
Injuries during a session (e.g. pulled muscles, falls)
Property damage (e.g. During a private yoga class at a client’s home you trip over a floor rug and knock down a valuable picture frame that breaks)
Allegations of negligence or malpractice
Legal fees arising from lawsuits
Any certified yoga professional —whether freelance, online, or in-person—should consider liability insurance.
Even students could be held responsible for liability lawsuits if they are accused of harm or damage. Having yoga instructor insurance is just as important for students as it is for seasoned professionals while you're still mastering your practice and developing your teaching skills, mistakes can happen—sometimes leading to injuries or accidents. We offer a special discounted rate exclusively for students. This means you can enjoy the same comprehensive coverage and peace of mind as our professional policyholders—without stretching your budget.
Protecting your career starts with protecting yourself. Whether you teach yoga full-time or just a few classes a week, having yoga insurance is essential. Even part-time instructors face the same potential risks and liabilities as full-time professionals.
We understand that filing a claim can feel overwhelming, but you don’t have to go through it alone. Our dedicated team is here to guide you every step of the way.
To get started, simply log in to your member portal or give us a call at 888-512-2012. Once you’ve reached out, a certified agent will connect with you to review your claim in detail, assess your eligibility, and clarify your coverage.
From there, we act swiftly to process your claim and take the necessary steps to resolve it.
With our team by your side, you can move forward with confidence—knowing we’re here to protect your journey and help you stay focused on what matters most.
With beYogi, it's simple. Our comprehensive yoga insurance includes full protection for both live-streamed and pre-recorded classes. Whether you’re leading sessions on Zoom or sharing content through YouTube, your online teaching is fully covered.
One of the best parts? Getting insured takes just a few minutes. If you're planning to host a virtual class and want peace of mind beforehand, you can easily complete our quick online application, check out, and receive instant proof of coverage, so you can focus on teaching, not worrying.
Our online yoga insurance provides crucial coverage for the areas of risk that are present in the current climate.