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Why do yoga teachers and studios need insurance?
Yoga instructors help students improve their balance and flexibility, but an accident in your studio could lead to hefty medical or legal costs. Business insurance can help cover medical bills from an injury, legal expenses from a lawsuit, and repair or replacement of damaged or stolen equipment.
One application, multiple quotes
Insureon helps yoga teachers and owners of yoga studios compare small business insurance quotes from top U.S. carriers online.
Get several quotes with one easy application.
What types of business insurance do yoga teachers need?
These insurance policies cover the most common yoga instructor risks.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a student who slips and suffers an injury during a yoga class. Bundle it with property and equipment coverage in a BOP.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Libel and slander lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It helps cover legal costs from customer accidents as well as business property damage.
BEST FOR
- Accidents that injure a customer
- Customer property damage
- Stolen or damaged business property
Professional liability insurance
Professional liability coverage handles legal defense costs from work mistakes, such as injuries caused by improper instruction. It’s sometimes referred to as errors and omissions insurance or malpractice insurance.
BEST FOR
- Technique that injures a yoga student
- Class cancellations or missed appointments
- Failure to achieve promised fitness goals
Workers’ compensation insurance
Most states require workers' comp for yoga studios that have employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your yoga business. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your yoga company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much do yoga insurance policies cost?
A professional teaching yoga independently will pay less for insurance than a larger studio.
Factors that affect yoga instructor business insurance costs include:
- Yoga styles offered, such as yoga instruction, Reiki, Anusara, Kundalini, Pilates, acroyoga, Vinyasa, etc.
- Business property and equipment
- Business income
- Location
- Type of insurance purchased
- Coverage limits and deductibles
Strengthen your business with insurance
View video transcript.
There's healthy...and then there's business healthy. Strengthen your small business with the right insurance protection..
Small business insurance provides the support you need for heavy lifting.
On the job, it always helps to know you have a strong base. And we've got your back with top-rated policies at affordable prices.
No matter what big roles your small business has, this is probably the easiest box you can check.
Start your application now. Get your policy same day, and smash those goals.
Insureon. Protection is peace of mind.
How do I get yoga instructor insurance?
It's easy to get business insurance for yoga teachers, fitness instructors, and wellness professionals if you have your company information on hand. Our application will ask for basic facts about your yoga business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare yoga liability insurance options and choose the right policies
- Pay for your policy and download a certificate as proof of insurance
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to customize your yoga liability insurance, whether you work full-time, part-time, or own a yoga studio.
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Common questions about yoga insurance
Review answers to frequently asked questions about yoga liability insurance coverage.
How do I insure yoga equipment that travels with me?
A standard commercial property policy covers your yoga studio and its contents. However, if you bring your equipment to gyms, events, or clients' homes, you'll want to consider an inland marine insurance policy.
Inland marine insurance covers mobile equipment during its use and storage off-site, as well as during transit. You can usually add this coverage to your commercial property policy or business owner's policy (BOP) as an endorsement.
Can I get yoga insurance if I teach at multiple studios?
Yes, it's possible to get yoga instructor business insurance regardless of where you teach.
In some cases, you may need to add a gym or studio as an additional insured on your policy. You may also want to ask the gym where you work if they can add you to their policy as an additional insured.
If you teach at multiple gyms or studios, you'll need to make sure your yoga practice is covered at each place you offer classes.
Do yoga teachers need insurance for online classes?
Online yoga classes offer their own unique risks, especially since you're not physically next to your students ensuring safe form and safety. This is why having the right insurance and best practices is important.
Depending on your location, your insurance plan or state might require extra steps from you. Some of these include:
- Providing liability waivers for in-person classes, online classes, or both, before students can take part in your classes.
- Including disclaimers at the beginning of your pre-recorded videos or within social media and YouTube descriptions.
- Enforcing webcams during live sessions to adequately assess and guide students as they move through the positions.
When reviewing your coverage, it's best to customize your yoga liability insurance to include any modalities you need, such as live streaming, pre-recorded online content, and in-person classes. Working with a licensed insurance agent can help make sure you get the best yoga insurance for what you need.
Why is it important for yoga instructors to keep continuous coverage?
While yoga liability insurance by the day might seem cheaper upfront, continuous coverage is almost always the better solution for all businesses.
Plus, there are a few risks that come with choosing daily or hourly yoga liability insurance coverage, such as:
- Coverage gaps, which leave your business vulnerable to claims and lawsuits that might arise outside of your policy period
- Higher costs per day compared to year-round yoga instructor insurance coverage
- Poor insurance history because of policy turnover, which can lead to higher premiums on the next policy
Choosing continuous coverage is usually less expensive in the long run and provides more peace of mind. Because there aren’t gaps in your coverage, your business is always protected against third-party claims.
How do I find affordable yoga insurance?
It's easy to find affordable yoga liability coverage that matches your risks, budget, and insurance requirements. One way is to review rates from different insurance carriers, and with Insureon's easy online application, you're able to get free quotes from several companies.
There are a few other ways to save, such as:
- Bundling policies. The most popular option is a business owner's policy (BOP), which pairs your liability policy with property insurance to save money.
- Customizing policies. You can choose lower limits, a higher deductible, or certain exclusions to save on your premium.
- Focusing on safety. Fewer accidents mean fewer liability claims, which helps lower your insurance costs.
Learn more about how to find cheap business insurance.