Frequently Asked Questions About Yoga Teacher Insurance

If you are new to the world of liability insurance, you have come to the right place. You will leave this page with the knowledge you need to make an informed decision for your career.

What is Liability Insurance?

  • Yoga teacher liability insurance is a specialized form of personal liability insurance designed to protect yoga instructors against the potential risks associated with their profession. 
  • This type of insurance provides coverage for legal costs should any claims arise from injuries or damages suffered by participants in their classes. It also covers negligence claims arising from professional activities. Additionally, liability insurance covers the cost of medical expenses for any participant injured during the course of a class.
  • Yoga teacher liability insurance ensures that an individual can continue their teaching practice with peace of mind.

What is the Difference Between Business Owner Insurance and Liability Insurance?

Business owner's insurance is designed to provide protection for the business itself, including its property and assets. Personal liability insurance, on the other hand, provides coverage for individuals against legal actions from third parties. This can include wrongful acts or negligence occurring in the course of day-to-day activities. Personal liability policies generally focus on providing coverage for incidents caused by an individual’s negligence.

Who Needs Yoga Teacher Liability Insurance?

  • 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 teacher liability insurance is necessary for anyone who teaches yoga, whether they are employed by a studio or teaching classes independently. It ensures that the instructor is protected in case of any accidents or injuries occurring during the course of their profession. 

What to Look for When Purchasing Insurance

When purchasing insurance, it's important to consider several factors to ensure that you get the coverage you need at a price you can afford. Here are some things to look for:

  • Coverage: Make sure that the policy covers the risks and events that are most important to you
  • Limits: Check to see if there are any limits on the amount of coverage provided for certain types of claims
  • Premiums: Determine how much you'll pay for the policy, and whether or not the premium is affordable for your budget
  • Reputation: Research the insurer's reputation and financial stability to ensure that they will be able to pay claims when needed
  • Customer Service: Look into how easy it is to file a claim, and whether or not the insurer has a reputation for good customer service
  • Exclusions: Be aware of any exclusions or limitations in the policy, as these may impact your ability to make a claim

Common Misconceptions of Liability Insurance

  • I don’t need a liability waiver 
  • There is a copay with liability insurance
  • People in my industry don't get sued
  • If my employer has professional liability coverage, I don't need it
  • If I use good risk management practices, I don't need coverage
  • Liability insurance is always expensive and difficult to obtain
  • Liability insurance can cover any kind of damage regardless of the cause
  • All personal liability policies offer the same amount of coverage and protection

Insurance Liability Definitions

  • Professional Liability: Professional liability insurance, commonly referred to as malpractice insurance, provides protection for professional advice and services rendered. It covers the cost of defending against such claims as well as any damages awarded as a result of the claim.
  • General Liability: General liability insurance provides protection against claims alleging bodily injury, property damage, personal injury and advertising injury that may occur in the course of your business operations. This insurance is commonly referred to as slip and fall insurance. General liability insurance covers court costs and judgments resulting from legal proceedings, as well as settlement costs associated with covered losses.
  • Product Coverage: Type of insurance that safeguards professionals against claims of bodily injury or property damage resulting from the use of their products.
  • Occurrence form coverage: Occurrence form coverage is a type of liability insurance policy that covers claims arising from incidents that occur during the policy period, regardless of when the claim is filed. This means that if an incident occurs while the policy is in effect, but the claim is not filed until after the policy has expired, the occurrence form coverage will still apply. The coverage is based on when the event took place, rather than when it was reported or when a lawsuit was filed. Occurrence form coverage provides long-term protection for teachers and can help protect against future claims related to past events. It's important to review your policy carefully with your insurance provider to understand what type of coverage you have and how it applies to your business needs.
  • Aggregate Vs. Annual Aggregate: Annual aggregate and aggregate are both terms used in liability insurance policies to describe the maximum amount of coverage available for claims during a policy period. However, there is a key difference between the two. Annual aggregate refers to the maximum amount of coverage available for all claims made during a single policy year. Once this limit is reached, no more claims can be made under the policy until the next policy year begins. Aggregate, on the other hand, refers to the maximum amount of coverage available for each individual claim.
  • Personal and advertising injury coverage:  This coverage protects you from claims that state you have caused harm to another person or business. This coverage will cover the costs of legal fees and court costs related to libel, slander, defamation privacy violation, and copyright infringement claims. It may also cover potential payouts if necessary. This does not cover any intentional acts of hard that you commit. 

How to File a Claim

A claim has been brought against you by a student claiming they got injured under your care, now what? If you have insurance, make sure you are aware of how to file a claim with them. With beYogi, all you have to do is go to your member portal and find the section “file a claim.” You will be prompted to email or call our expert team ready to assist you through the process.

What is a Certificate of Insurance?

A certificate of insurance is a document that proves that you have insurance coverage. It includes the name of the insurance company, the policy number, the dates of coverage, and the types of coverage. The certificate of insurance is issued by the insurance company and is typically required by businesses before they will enter into a contract with you.

 Do You Need My License Number to Get Insurance?

  • We don’t! In the yoga industry, there are no federal or state laws requiring you to have a license to teach. Most studios will require you to have taken at least a 200HR YTT to be hired but it is up to the individual to get the right amount of training they need in order to instruct.
  • beYogi does not require a license number for you to purchase our yoga liability insurance.

State Requirements

There are no yoga-specific state legal requirements for yoga insurance but it highly recommended within the service industry to protect yourself with liability insurance.

More Frequently Asked Questions

I teach yoga and pilates. Do I need additional coverage or two policies?

Under a beYogi policy, you are covered for yoga & pilates instruction. When purchasing a policy, choose the modality you do most often as your primary modality. Under secondary modalities, you can select as many as you would like to be specifically listed on your certificate. Our policy will still cover you for all 450+ modalities even if you do not select them all. 

I’m a recent YTT grad and they told me to get liability insurance but I am not sure what to buy?

It is not common for most liability insurance companies to offer student policies but fortunately, beYogi is able to offer a discounted yoga student insurance program for those pursuing yoga teacher training.

To be eligible for our student rate, you must be enrolled in your initial certification (usually 200-hour) on the effective date of coverage. Our student policy will only cover you for the disciplines and methods that are in your course work.

I am in my first 200HR YTT. Do you have a student policy?

Yes! For $55, you can get the same coverage limits and member benefits as beYogi’s professional policy. To be eligible it is imperative you purchase a policy before you receive your 200HR YTT certification.

If you purchase a beYogi student policy on the last day of your training they are certified for the entire year under the same policy. This saves over $120 on a full-time policy.

A YTT student can buy a student policy only once. 

I only teach online yoga. Do I need insurance?

Yes, even though the risks are different when it comes to teaching online the recommendation is to purchase insurance still. Accidents still happen and it’s important to cover your career in the event something happens under your care.

My 300HR YTT is in Costa Rica, will my insurance cover me?

Only some insurance companies offer international coverage. It is important you do your research to confirm what this will look like. beYogi unfortunately at this time cannot offer extensions or international coverage.

How many people can I add to my policy to be covered?

Only one person may be covered under a policy. If you have co-owners, associates, employees, etc. that are providing services they will need to purchase their own separate policy in order to have their services covered.

What is an additional insured and why do I need them?

An additional insured (AI) is a person or organization that is added to an insurance policy in order to be covered under the same policy as the primary insured. This means that if a claim is made against the additional insured resulting from a service performed by the primary insured, they may be protected by the insurance coverage of the primary insured.

Adding an additional insured to an insurance policy can provide protection for both parties in situations where they may share liability for an incident.

To purchase an AI you can add them during your purchase of a beYogi policy OR you can contact our customer support team and they will help you complete this process on an existing policy. 

Can I increase the coverage limit amounts?

Increasing your coverage limits can provide greater protection in the event of a covered incident, and may also help you meet certain contractual requirements or legal obligations. However, it's important to note that higher limits typically come with higher premiums.

Here at beYogi, we decided to create a policy with the highest coverage amounts you’d need as an instructor for just one flat rate. 

I am a traveling yoga teacher, does the policy follow me?

Yoga insurance typically includes a provision called portability, which allows you to maintain your coverage even if you switch employers or move to a new location. However, some insurance plans may charge an extra fee for this feature or may not provide coverage in your new area. At beYogi, we offer portability as part of our policies so that our members can have the freedom to pursue their own path without worrying about their yoga insurance coverage.

Contact Us

If you have any other questions about beYogi or yoga liability insurance don't hesitate to give us a call at (800) 516-8822 or fill out the form below.