Comparing beYogi Yoga Insurance Against Other Options

Get peace of mind when you choose beYogi

At beYogi, we want you to find your zen as you analyze your options for purchasing insurance for yourself and your business. That’s why we present our plans side-by-side with our competitors so you can find the best plan for your individual yogic journey. With so many modalities; eastern versus western yoga; with equipment, without; with heat; with goats, you are the best person to make the decision for the level of coverage that’s appropriate for your specific practice. We’ll explore some key policy elements in beYogi’s policies, as well as our leading competitors, so you have all the information right in front of you to make the best possible yoga insurance decision for you, your license, and your livelihood.

Make an Informed Decision About Yoga Insurance

beYogi’s yoga insurance policies offer incredibly robust coverage options for you and your practice, helping you focus on taking care of the students under your care and leaving the “what-ifs” to us. We provide exclusive, members-only benefits ($300+ value) like premium discounts, a professional website, access to a full yoga library, and so much more.

With more than 350 modalities covered and more being added, no matter what modality you use during a session, we make sure you and your practice are covered. We’ve provided a complete yoga liability insurance comparison of six of the leading yoga insurance carriers so you can have all of the information right in front of you to make the best decision for you and your practice. Below is a quick snapshot of the different comparison categories we looked at.

Yoga Insurance Snapshot

A quick glimpse into what makes beYogi the best yoga liability insurance for yoga teachers on the market. 

  • Best Price: beYogi offers the most affordable yoga teacher insurance
  • Highest Professional & General Liability Limits: All carriers have $2 Million Per Claim, Yoga Alliance and Yoga Journal have $4 Million Total Aggregate
  • Highest Product Liability Individual Aggregates: All carriers have a $2 Million limit, except for Next Insurance
  • Occurrence Form Coverage Offered: beYogi offers the industry preferred liability
  • No Membership Fee: beYogi, Next Insurance, Alternative Balance do not require fees
  • Coverage for 450+ Modalities: beYogi. Over 60 yoga styles & 450+ wellness modalities covered 
  • Identity Protection Offered: beYogi covers $25,000
  • Free Professional Website: beYogi
  • Portable Coverage: beYogi, Yoga Alliance, Yoga Journal, Alternative Balance, Philadelphia Insurance
Yoga Insurance Value Snapshot

Yoga Insurance Comparison Chart

We've done the insurance homework for you. Compare yoga liability insurance options below:

  beyogi Yoga Alliance Yoga Journal Next Philadelphia Insurance Canopy
General Liability and Professional Liability (E&O) Insurance $2MM/Occurrence; $3MM Annual Aggregate Choice of $1MM/Occurrence; $3MM Annual Aggregate or $2MM/$4MM Aggregate Choice of $1MM/Occurrence; $1MM Aggregate, $1MM/$3MM, and $2MM/$4MM Limits Choice $500K/Occurrence; $1.5MM Annual Aggregate, $1MM/$3MM Aggregate, or $2MM/$4MM Aggregate $2MM/Occurrence; $4MM Annual Aggregate $2MM/Occurrence; $3MM Annual Aggregate
Product Liability Insurance $2MM $2MM $2MM $1MM $2MM per year $3MM per year
Personal & Advertising Injury $2MM TBD TBD TBD TBD TBD
Identity Protection Plan Requires Seperate Policy Add on$99/year
Occurrence-Based Coverage
No Yearly Membership Fee
Free Professional Website
Live-streaming & Pre-recorded Video Covered Some limitations Requires online teaching application
Access to Affordable Health, Vision, Auto, Pet, Life Insurance
Discounts on Yoga Products and Equipment
Transparent Pricing With No Quotes
Annual Price $169 PT
$179 FT		 $122 PT + Fees*
$146 FT + Fees*		 $169 PT (Includes Fees)
$146 FT (Includes Fees)		 $192 (2MM/4MM Premium) $125 PT + Fees*
$185 FT + Fees*		 $129/yr (+ Add ons)
Get Covered

NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by beYogi as to the accuracy or completeness of this information. This information was confirmed in October 2023.

Yoga Insurance Cost

beYogi yoga liability insurance has the lowest rates of any carrier out there for the amount of modalities covered and the plan limits provided. Philadelphia Insurance offers a fairly low rate but only covers a small number of modalities. Next Insurance has a low premium option, but does so at a very low limit amount which could leave the insured significantly exposed during a risk event. For most carriers we compared, modalities not covered require an additional fee and, even then, are still fairly limited in their overall number.

Most of the carriers offer the convenience of full-time and part-time yoga insurance but the plan limits vary significantly. BeYogi and Alternative Balance are the only carriers to also offer student yoga instructor insurance but Alternative is nearly 8x the price for this coverage. BeYogi is one of the few carriers compared which didn’t tack on any additional membership fees or other surcharges. 

Full-Time Price Comparison (lowest to highest):

Student Price Comparison

Part-Time Price Comparison (lowest to highest):


Defining Full-Time vs. Part-Time

Not every carrier has a part-time versus full-time distinction for their plans,

so part-time instructors have to pay the full-time rate. For those carriers 

that do offer different rates, their weekly “hour caps” are as follows:

  • Yoga Journal: Part Time < 6 hours per week
  • Philadelphia Insurance: Part Time < 6 hours per week
  • Yoga Alliance: Part Time < 8 hours per week
  • Alternative Balance: Part-Time < 10 hours per week
  • beYogi: Part Time < 10 hours per week
beYogi protects yoga teachers from liability
Get Covered

Comparing Coverage Limits

When comparing different yoga insurance carriers, you’ll see a lot of references to coverage limits. This simply means the total amount the carrier will pay on a claim or group of claims during the policy term. Professional Liability claims are related to events that occur during the course of your yoga instruction. More commonly known as “malpractice insurance”, professional liability claims could come from simple acts like overstretching a student who becomes injured or not realizing another student is pushing themselves too hard and they overexert in some fashion. Conversely, General Liability claims are commonly called “slip and fall” as they can be as common as a student tripping over loose carpet when they enter the studio and being injured in the fall. All carriers we’ve compared here have up to $2 Million in coverage limits for both Professional and General Liability claims. Next Insurance also offers a $500,000 and $1 Million limit on select plans but be forewarned, such a small limit could leave you significantly exposed. Yoga Alliance, Yoga Journal, and Philadelphia Insurance all have the best annual General and Professional Aggregate Limits at up to $4 Million. Annual Aggregate is the total of all claims filed under your policy during the term period.

Occurrence Form Coverage

 As opposed to a claims-made policy, occurrence form coverage provides members the benefit of yoga insurance coverage even after their policy expires. So if a claim is filed against you after your policy expires, as long as the claim-event occurred while the policy was still in effect, you’re covered..

Membership Fees 

Next Insurance and Alternative Balance also do not charge membership fees but do charge extra for some modalities. Yoga Alliance, Yoga Journal, and Philadelphia Insurance also all charge fees in addition to their premiums. 

Identity Protection

In a world where identity theft and data breaches are becoming an everyday occurrence, we’ve included $25,000 worth of leading identity theft protection, included at no extra cost with our policies. beYogi wants you to be covered from every possible what-if so you can focus on your practice and helping others on their own yoga journeys. No other carrier compared offers identity theft protection with their yoga liability insurance policies.

Member Benefits

One of the best benefits of a beYogi policy and something none of our competitors offer is a free professional website to get your practice on the web. Our professional website makes you and your business stand out, helping you reach all the people in your area searching for your specific modality. Additional benefits include a host of discounts from the leading names in yoga gear and accessories, as well as, exclusive access to members-only content on everything from poses to business resources. Our member benefits are carefully curated in order to bring about a maximum benefit to complement our comprehensive insurance packages. At beYogi, we recognize the incredible effort it is to build and maintain a business so provide an array of tools for practitioners to employ to be successful in their practice.

Modality Diversity Comparison

beYogi is the only yoga insurance provider in this comparison to afford coverage for more than 350 different modalities (and counting!). We know there are so many different ways for our members to offer instruction in the modality that they know and love. Because of this, we continue to add even more modalities to ensure your chosen path is covered. Don’t see yours currently listed? Just reach out and our knowledgeable sales team will see if we can add your specific modality to our covered list.

Portability

All carriers we compared offer portable coverage for their insurance policies in all 50 states except for Next Insurance. If you’re moving your practice, be sure to check the licensing requirements in your new state by checking the State Board for yoga in the state you are moving to. Some states require additional education or training which could delay receiving a new license if you don’t plan ahead.

Yoga Insurance Reviews

At beYogi, we utilize a non-biased, third-party rating system called TrustPilot for gathering verified customers reviews. We do this so you can get a complete, honest picture of real-life member’s experiences buying and using our yoga insurance products. beYogi yoga teacher insurance reviews shows us to be rated as “Excellent”, with 5 out of 5 stars, based on more than 200 reviews so far on TrustPilot. The only other carrier to utilize TrustPilot is Yoga Journal, who is rated as “Great”, with 4 out of 5 stars, based on 170 reviews. Yoga Alliance, Next insurance, Alternative Balance, and Philadelphia Insurance do not utilize TrustPilot’s unbiased rating service.

Great Coverage, Fantastic Benefits, One, Low Price

beYogi thinks you should be able to have all the information right in front of you so you can make the best decision for you and your practice. We’ll never push you into purchasing a policy through us, we just want you to be at peace with the carrier you choose. That’s why we present all of ourselves to our potential members so you can see just how much we offer - all at a price point that’s better than any of our competitors.