There’s a reason why yoga has become an extremely popular practice in Australia and beyond. With the many physical, mental and spiritual benefits it offers, people leave a yoga class feeling refreshed, rejuvenated and relaxed.
Although yoga is generally a safe and non-strenuous activity, yoga teachers are not immune to claims that could potentially leave you in an awkward and financially difficult situation.
Having a good insurance policy in place to protect you from the financial consequences of such incidents is key to teaching and running your business at its full potential.
Do yoga teachers need insurance?
Yoga asana is centred around the physical body and involves lots of stretching, bending and lunging. What is one of your clients lost their balance or stretched a little too far and strained a muscle?
You can take your time planning and sequencing classes and providing modifications and props to cater to all of your yoga students, but unfortunately, accidents still happen and as the yoga teacher, you could be held liable.
One benefit of running a yoga business is that you have the flexibility to work anywhere. As well as teaching in a yoga studio, your clients may request you to teach at their home or you may run classes in a park or at the beach.
Depending on where and who you teach, the risks vary and may require you to hold a particular type of insurance.
What is yoga teacher insurance?
Yoga teachers need several types of insurance. We’ve broken down the main types of insurance for yoga teachers below:
Professional indemnity insurance
As a yoga teacher, you provide a service and professional advice to your students and clients. Professional indemnity insurance covers you for claims that arise as a result of negligent acts or advice. For example, if a client alleges that your yoga classes have worsened their back pain due to poses you recommended you will be covered
Professional indemnity can cover both the compensation you are required to pay as a result of a claim and the litigation fees.
Public liability insurance
Public liability insurance is important for yoga teachers as it covers you for personal injury claims by your clients and members of the general public due to your negligent instructions or activities. For example, it could be a claim made by a regular student at your studio classes or member of the public that gets injured while participating in an open park class.
Public liability also covers you for claims resulting in damage to third-party property. For example, you would be covered if you were teaching a private home session and accidentally smashed something while you were setting up the class.
Product liability insurance
Yoga studios often sell food and beverages, yoga mats and other wellness products. Product liability protects your business against financial liability as a result of claims made about the products sold by or through your business. For example, you would be covered for a claim
made by someone who got food poisoning from protein balls you sell in the yoga studio.
How much does yoga teacher insurance cost?
There are some factors that can have an impact on the policies you need to have and the total insurance premium. Here are some key questions to ask:
- Where will you be teaching – in a studio, private home classes or public spaces?
- Do you need a minimum level of cover to be a registered member of your professional your association?
- Are you required to have a minimum amount of insurance cover? (Note: this can vary depending on your yoga services contract)
Get your yoga teacher insurance quote today
At Gym Insurance HQ, we know how much your yoga business means to you. We are committed to understanding the type of services you provide and assessing your risk exposures.
We can find you reliable insurance cover that will safeguard your business and reputation without breaking the bank. Our team of experienced brokers can help you understand any aspect of yoga teacher insurance so that you can run your business with peace of mind.