Insurance for Yoga Teachers

Why do Yoga Teachers need insurance?

Namaste! As a yoga teacher, we know that your intention is helping others find their inner balance and calmness, but you should also make sure you have the right insurance 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 require you to hold particular insurance policies. 

Insurance for Yoga Teachers

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 carefully 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 and unfortunately it could be you as the teacher who will be held liable. 

That’s why Professional Indemnity Insurance is an important form of cover for Yoga teachers. It helps respond to claims against you or your business for losses incurred as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. It can cover costs you incur responding to or managing the claim, as well as compensation awarded to your client. Even if you are not at fault, Professional Indemnity Insurance can protect against allegations of professional negligence to help safeguard your reputation – peace of mind for you and your business without having to bend over backwards. 

Public Liability Insurance

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 makes a claim following being injured 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 claims relating to 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 Childs pose, but to help you get started there are a few questions you can ask yourself: 

• Are you  practicing within a studio?  
• Does your yoga services contract require a minimum amount of insurance cover?  
• Does the local council require you to obtain a permit including public liability insurance before holding classes on council owned land, such as the public park? 
• Has your professional association set a minimum level of cover required to be a member? 
• What kind of accidents could happen associated with your yoga services? What could be the potential cost if a claim (or even multiple) was made against you?