ISHTA Yoga Insurance

Most yoga liability insurance companies offer insurance policies ranging from $179 to $400 annually. However, there are many factors to consider when shopping for the best ISHTA yoga insurance price. Of course, the annual cost is essential, but it's also important to consider what it includes. For example, many insurance companies may offer a low outward-facing price but tack on additional fees for extra services, coverage, or benefits. When considering which insurance company is best for yoga teachers, consider what the policy includes with the premium and what costs extra before making your final decision. Discover how to spot a good price-to-coverage ratio by reading our yoga teacher insurance cost guide. 

There are over 500 modalities that a beYogi policy will cover, including services in the yoga, massage, fitness, or beauty industries. ISHTA yoga insurance refers to professions that offer sessions that encompass a variety of yoga types, including styles like Power Yoga, Baptiste Power Yoga, CorePower, and more.

Having your own individual policy or personal liability insurance is always a good idea. If you do not currently have an employer and you offer services outside of your home, having a liability insurance policy will be more important than ever. You may also want to consider a business owner's policy if you have any employees. 

The recommended professional and general liability coverage is $2 million per occurrence with a $3 million annual aggregate. A beYogi policy limit was designed with yoga and wellness risks in mind.

Professional liability coverage helps protect against occupation-specific risks, like a professional error or a negligent omission. These situations can occur when the yoga instructor does something wrong or is accused of doing something that results in harm or injury to another individual's self or property. 

General liability coverage is designed for generic risky situations, like a slip or fall. These circumstances are not tied to a specific profession but could occur in any occupation. General liability claims can arise when there is perceived negligence, creating a hazardous situation or environment that causes harm or damage to another individual.

One of the benefits of a beYogi policy is its portability. In other words, you're not tied to a specific location to provide your services. We offer coverage in all 50 states and ensure the practitioner, not just the place where they teach yoga. This means you're free to take your offerings on the road, to the park, online, or to a friend's house. Your coverage follows you wherever you go and wherever you teach yoga within the United States.

In addition to the financial protection that comes with ISHTA yoga insurance, there are several other benefits to being a policyholder. For example, having insurance can boost your credibility by demonstrating to clients that you are a professional who prioritizes safety and responsibility. This confidence allows you to focus on teaching without worrying about unforeseen issues.

Additionally, members may enjoy a series of benefits from their policy. A beYogi member has numerous member benefits at their fingertips, including exclusive discounts, services, and resources. These perks of the policy make our coverage all the more beneficial for our members.

• Protection of financial & personal assets

• Credibility within your community 

• Membership benefits offered by beYogi

• Identity theft protection

• Mobile policy- all 50 states are covered

• Includes online & telehealth coverage

Occurrence-based coverage is the preferred coverage option because it protects policyholders even after the policy expires. With occurrence-based or occurrence form coverage, you're protected for incidents that occur during the policy period. Even if you file a claim after the policy expires, you'll still be covered for incidents that happened while the policy was active.

Claims can be delayed for various reasons, such as a client not realizing the full extent of their injury, paperwork issues, or other factors. As a result, a claim might be filed after your policy has expired. For this reason, occurrence-based protection can be a lifesaver for yoga professionals because they don't have to stress about a claim being filed on time for incidents that occur while the policy is in place.

An insurance claim can be a relatively simple process. After an incident in which a student or third party is harmed, they could file a lawsuit against you. If this happens, the policyholder will simply contact their insurance company and inform them of the claim. The insurance provider will then determine the claim's validity and what portion of coverage may be available. Your insurance agent can walk you through the details once a claim occurs.

Accreditation by the Better Business Bureau (BBB) means a company has met the standard requirements for reliable business practices. The BBB is a nonprofit organization that reassures consumers about a company, ensuring it is dependable and safe to do business with. 

The Better Business Bureau also provides rating systems for consumers to evaluate which company may best fit their needs based on other consumers' experiences.