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Namaste! As a yoga teacher, we know that you have great intentions on helping others find their inner balance and calmness, but the reality is you need to make sure you have the right insurance cover in place in case it all goes downward dog! One of the many benefits of teaching yoga is having the flexibility to work in a variety of environments, like a studio, your own home, a client’s home or even an outdoor area such as a park or by the sea. But before you roll out that yoga mat, it’s important to be aware that working in some locations may have a mandatory requirement to hold certain insurance policies.
Yoga Australia recommends all practising Yoga instructors to hold a minimum of $10 million Public Liability insurance and $5 – $10 million Professional Indemnity insurance.
Yoga is a practice which heavily relies on the physical use of the body involving many bends, stretches and lunges used to create poses. But what if one of your clients stretches a bit too far and injures themselves?
No matter how careful you may plan your classes, implement certain sequences or even use a variety of modification props, accidents can still happen. A student could easily become injured through no fault of your own and unfortunately it will be you as the teacher who could be held liable.
That’s why Professional Indemnity insurance is an essential form of cover for Yoga teachers. It can cover the financial consequences of negligent acts that you or your staff are responsible for during the course of providing professional advice or instructions to your clients. It covers your legal defence costs as well as any compensation awarded to your client. Even if you are not at fault, Professional Indemnity cover can protect against allegations of professional misconduct to help safeguard your reputation – peace of mind for you and your business without having to bend over backwards.
Working closely with your clients can also put you at risk of personal injury claims meaning Public Liability insurance is important for Yoga teachers. It is designed to provide protection for you and your business in the event a student, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. For covered claims, it will also provide defence costs cover.
Public Liability insurance also covers you for damage to third party property caused by your negligent business activities at any location. So, whether you accidentally damage your client’s property whilst providing an in-home private session, or you damage the wall-to-wall mirror in your hired studio your Public Liability insurance can provide you with peace of mind.
Finding the right Yoga Teacher insurance should be as easy as Child’s pose, but to help you get started there’s a few essential questions to ask yourself:
|*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.|
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