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.
Scroll below or use the quick menu to select a topic:
What is Liability Insurance?
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?
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:
Common Misconceptions of Liability Insurance
Insurance Liability Definitions
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?
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
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.
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.
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.
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.
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.
This is known as an additional insured. This is when a person or organization is added to an insurance policy in addition to the primary policyholder. If you choose beYogi, for just $30 you can have unlimited additional insureds on your policy.
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, 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.
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.
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.
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.