Why do yoga instructors need insurance?
Pain and strains
A flow you’re sharing with a class focuses on opening the heart chakra, promoting positive energy and lowering stress levels. This involves backbends, including Camel and Cobra poses. Although you take it slowly and advise the class to ease into position, a student experiences sudden and severe neck pain. The student claims it was your teaching and advice that caused the injury. Professional, treatment and public liability insurance could help with the cost of settling or defending a claim of malpractice or negligence against your yoga business.
Stray yoga mats
Your freelance session at a town hall finishes with a relaxing combination of Balasana and Shavasana poses, but unfortunately the calm created doesn’t last long. As your students tidy away their blocks and mats, the next booking for the hall arrives and an attendee trips over a mat that’s not yet been put away. Combined professional, treatment and public liability insurance as part of your yoga teacher policy could help to cover your legal expenses should the injured party choose to make a legal claim.
Unable to teach
Being a yoga teacher involves demonstrating poses and flows for your students to follow, meaning if you become injured, you might not be able to teach. While out on a weekend run, you turn your ankle on an uneven surface and your doctor advises rest for up to six weeks. If you’re unable to work for more than two weeks, personal accident insurance could provide a weekly payment until you can return. It could also assist with rehabilitation if required.
What insurance is available for yoga instructors?
Professional treatment liability insurance and public liability insurance can be helpful for yoga instructors. So, we have combined them into one product – professional, treatment and public liability insurance. Though we talk about them separately below, professional, treatment and public liability insurance is a combined cover with one combined limit. You can get public liability cover as a yoga instructor by purchasing this combined cover. Contact us to learn more.
Professional treatment liability insurance
Training body and mind and giving your students the knowledge to develop strength and inner peace are just some of your aims as a yoga instructor. However, if a student claims your actions or advice have caused them to suffer an injury or fall ill, you could be required to defend your practice. Build combined professional, treatment and public liability into a yoga teacher insurance policy with Hiscox to help cover the cost of legal fees, compensation and any medical expenses.
Public liability insurance
The nature of teaching yoga means you regularly meet members of the public. Your classes might take place in a public place or at private premises – either way, you will be dealing with people every time you teach. With a professional, treatment and public liability insurance policy, your practice as a yoga instructor could be covered for claims of injury or causing damage to property. This could help to cover the cost of defending against, and paying compensation for, claims arising as a result of your business activities.
Employers’ liability insurance
Whether you started as a freelance teacher and are expanding your business or are a yoga school owner, you may be looking to employ other instructors to share classes. Should you decide to take on employees, you might require an employers’ liability insurance policy built into your yoga teacher policy by law. This product could help to cover the cost of defending or settling employee claims of illness or injury sustained in the context of their work for your business. Our employers’ liability cover could also assist with medical bills.
For a practicing yoga instructor, other relevant insurances include personal accident, cyber and property covers. These may help you run your business with reassurance.
These are just some of the types of business insurance that we can offer to yoga instructors. Call us to find out more, or build a tailored policy online.
Get your quoteInsurance for yoga instructors: FAQs
Do I need yoga studio insurance?
Yes, property insurance may be a source of comfort, for example if you welcome students to your studio for yoga classes. Our property insurance could offer cover in the event that your studio becomes damaged as a result of an accident, storm, flood, fire or even a break-in. You can combine this with other covers such as personal accident insurance, cyber cover and employers’ liability.
Professional, treatment and public liability cover can also be an important insurance type to include in a yoga policy – especially if you hire public spaces to teach your classes.
Do I need to insure my yoga equipment?
As a yoga teacher, you are likely to take some equipment along to classes, such as speakers to play ambient music, mats and blocks for newcomers and resistance bands for hypermobile students. Insurance for equipment might help protect your business.
Freelance instructors may carry these things from class to class, increasing the risk of damage, loss or even theft. Your small business relies on this kit to function, so portable equipment insurance could help cover the cost of repairing or replacing your items and help to keep your classes scheduled in, whatever happens.
Do I need yoga insurance if I’m teaching online?
Yes, even if you’re teaching yoga via virtual classes, you could need business insurance cover.
If you share advice and stream lessons online, you might still benefit from the backing of professional, treatment and public liability insurance. Your use of online platforms and digital communication may have also increased, so our cyber and data cover could also prove beneficial.
At home, you may keep similar items to those in a studio, plus the device you use to host classes. Therefore, considering a business insurance policy suited to running a home-based business could be a good idea – your home insurance might not cover your business equipment.
Related articles and guides
Small business guide to cyber attacks
You might hold the details of those who attend your yoga classes on an online booking system. Heighten data security with the help of our guide to cyber attacks.
Which industries care most about fitness?As a yoga instructor, you live and breathe wellness – so, which sectors share your passion? Read our analysis of working habits to discover the answer.
Insurance terminology: Claims made vs. claims occurring
Some aspects of your yoga teacher insurance may be able to cover past events, while others cannot. Learn more with our guide to claims made and claims occurring.