Your Complete Guide To Yoga Insurance

There are several sides to yoga liability insurance. Just as each yoga pose is unique, the ways in which you could be held liable are varied. A liability is an incident or hazard for which you could be held responsible. These include accidents, injuries, bodily harm, or aggravated medical conditions.

beYogi yoga instructor insurance covers beyond just the basic coverage and protects you from general, professional, and product liability claims. Let’s unpack each of these in more detail.

General Liability Insurance for Yoga Professionals

The first coverage that beYogi offers is general liability insurance for yoga teachers. General liability insurance covers claims made that are not directly related to your occupation. This type of coverage is often referred to as ‘slip and fall’ insurance, as these are among the most common claims filed.

General liabilities can be found in any occupation or work environment and are not exclusive to yoga teachers. This makes general liability coverage an essential part of your insurance plan.
Let’s look at an example of a possible general liability claim against a yoga instructor

As a student is walking into the yoga studio, they trip on a loose rug in the lobby. When they fall, they hit their wrist on the hard floor, and it breaks. The student is in a lot of pain and needs medical attention immediately. After a physician sees them, the student contacts a lawyer to begin a general liability lawsuit against their yoga instructor.

In the above example, the injured student may have legal standing to demand that you be responsible for their medical bills, time away from work, lawyer fees, and any damaged property resulting from the fall. If you’re covered with general liability insurance, then you wouldn't have to worry about the cost of an incident like this. General liability insurance for yoga teachers could help protect you from the expense of a lawsuit like this situation.

Professional Liability Insurance for Yoga Teachers

Unlike general liability claims, professional liability claims are related to your occupation as a yoga professional. These types of claims are also called “errors or omissions” or “malpractice” claims, as they imply a mistake on the part of the professional.

Scenarios related to professional liability include:

• A student overexerts themselves and gets injured
• A student is injured while performing a pose under your instruction
• A student aggravates a medical condition, causing them bodily harm or distress
• A client sustains physical harm under your care or because of your instruction

In a nutshell, professional errors or omissions that lead to a client’s injury could be grounds for a lawsuit.

In this example, professional yoga insurance could help protect the yoga teacher from the exorbitant cost of the lawsuit. Yoga insurance would help relieve the burden and stress that a claim like this could cause, which makes professional liability coverage a must-have for yoga teachers.

Unlike some other yoga liability insurance companies, beYogi does not limit the number of hours you teach to carry insurance. Whether you are teaching one class a week or teaching full time, you can be assured you’ll be covered under beYogi Insurance Plus’ policy.

You don’t have to worry about going over any time limit or not meeting a minimum requirement and losing your coverage.

No, you cannot. beYogi Insurance Plus provides individual liability coverage. Each yoga teacher is responsible for her or his own policy.

You are not required by the state to carry liability insurance to teach yoga classes. But, many studios or spas require their yoga teachers to carry their own liability insurance policy before they can teach at that location. You cannot assume that the studio’s insurance will cover you in case of a claim.

Even if you teach yoga privately outside of a retreat center, spa, or studio, your yoga practice is your business and a business deserves protection. At beYogi, we highly recommend protecting yourself and your business with comprehensive liability insurance. Our coverage will go with you no matter what location you are teaching at.

Per occurrence means the maximum amount of coverage available to you for each individual incident resulting in a claim. beYogi Insurance Plus offers $2 million of liability coverage per occurrence, or per single claim.

Yoga insurance policies from beYogi are structured and paid for on an annual basis. $179 provides 12 months of industry-leading comprehensive liability coverage for you and your yoga practice.

With annual insurance policies, you pay your annual payment and focus on your yoga practice. There’s no worrying about keeping up with a monthly payment.

If you misplace your proof of insurance, simply call beYogi and we’ll send you a new copy, free of charge! But try to keep this document in a safe place.

Yes, beYogi has you covered. With our yoga liability insurance, your coverage goes with you no matter whether you are teaching in a studio or online. Yoga liability insurance provides the peace of mind and flexibility to teach wherever you desire.

We understand the privacy interests of our clients, and we firmly believe in protecting those interests. As such, beYogi Insurance Plus has adopted the following privacy policy, applicable to the client information acquired during the natural course of business.

1. Acquisition of Information. We do not acquire any more information about our clients than is required by law or is otherwise necessary to provide a high level of service.
2. Our Employees & Privacy. We train our employees about the importance of privacy. We give access to information about consumers only to those employees who require it to perform their jobs effectively.
3. Security Measures. We make access to privacy-sensitive information consistent with legal requirements, subject to rigorous technological controls, and the demands of customer service.
4. Disclosure to Third Parties. We will provide individually-identifiable information about consumers to third parties only if we are compelled to do so by order of a legal authority, we have the express consent of the consumer, or it is necessary to provide services to our clients.

Yes! Your beYogi Insurance Plus insurance policy covers you in all 50 United States. US territories, such as Puerto Rico are not included. Countries outside of the United States are also not included.

Nope! There is no restriction on the size of your classes or the number of hours you teach.

Do you have questions about our policy coverages and benefits? Want to enroll in a new policy? You can easily reach our knowledgeable and qualified agents at 1 (888) 512-2012.

We are standing by to answer your questions and provide more information. If you’d like to get covered now, our online application process is simple and takes only a few minutes.

It may be easy to think that general liability alone would cover you for most incidences that could happen for a yoga teacher. General liability, also known as slip and fall insurance, is the type of insurance that a big majority of insurance claims fall under. But, in teaching yoga, there could very easily be an instance where a student doesn’t understand your instruction on a pose and becomes injured.

This situation would actually fall under professional liability insurance. Otherwise known as malpractice insurance. It is crucial to make sure you are fully protected under liability insurance that is comprehensive coverage of both professional and general liability insurance.

With beYogi, you’ll get a great start on promoting your yoga practice with a free professional website. Use the power of the internet to your advantage and make sure your name and practice name are just within a click of a button.

Since we offer personal liability insurance, the policy must be listed under your name—but, as a sole proprietor, your business is also covered. If you are the owner of a corporation or partnership, you may add your business as an additional insured.

Call beYogi Insurance Plus at 1 (888) 512-2012 to report the event as soon as you can. Our insurance team will send you a claim form to complete.

We offer occurrence coverage, meaning you are still covered for claims filed after your insurance expires, as long as the incident in question occurred while your policy was active. Let’s say your policy expires on June 1, and you do not renew, as you’re no longer teaching yoga. You will still be covered for any claim filed after your expiration date, so long as the actual incident happened on or before June 1—when you were covered.

You will receive immediate coverage and proof of insurance in seconds.

Your employer or landlord may require you to list them on your policy as an additional insured. When you add an additional insured to your coverage, you give that person (or entity) legal claim on the benefits paid under the general liability portion of your policy to the extent they suffer a loss.

We charge $10 per additional insured. This makes us one of the top yoga insurance policies in the industry.

You are passionate about your yoga practice and want to protect it. Thus making insurance a necessary expense. Yoga liability insurance is one of the necessary and ordinary business expenses that can be deducted from your taxes.

Make sure you keep track of your policy information containing your rate and other insurance information for your records.

Contact the beYogi team at 1 (888) 512-2012. We’ll speak to our underwriters and let you know if we are able to cover it. We pride ourselves on offering the top yoga insurance in the industry.

Yes! There is no limit assigned to medical expenses on your insurance certificate because they are covered by your general liability insurance. These expenses are thus included in the policy limits of $2 million per occurrence and $3 million individual annual aggregate.

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