Yoga Insurance

Freelance Yoga Instructors

Working as a freelance yoga teacher is a pretty flexible gig (pun intended); you can set your hours, offer private lessons, and contribute your expertise to corporate and special events. However, operating as a freelance yoga instructor has unique risks from an insurance perspective. Unless you are working full-time at a studio, you are unlikely to be covered by an employer, meaning you need comprehensive insurance that travels with you. If you offer lessons at multiple locations, general liability insurance is required to cover any injuries that occur during a session or potential property damage at a client’s house.

If you sell or manufacture products, product liability insurance could provide coverage should a customer claim your products caused bodily injury or property damage (e.g., an allergic reaction to a proprietary essential oil blend). Professional liability insurance may provide coverage for any claims of negligence or malpractice, such as advice that results in an injury. If you offer lessons online, cyber liability insurance may provide coverage should your data system be compromised.

Not only will purchasing insurance protect you from financial loss, but it may also help in securing jobs, as clients want to see their yoga instructors are adequately insured.

Suggested Coverage:

• Commercial General Liability Insurance
• Product Liability Insurance
• Professional Liability Insurance
• Cyber Liability Insurance

Yoga Studio Owners

Comprehensive coverage that can withstand teaching yoga, managing employees, and general business liability risks is critical to running a thriving yoga studio. In addition to general liability and commercial property insurance, which are often required to rent or lease a space, several other policies can protect your studio from claims and lawsuits.

Studio owners who sell or manufacture products are advised to look into adding product liability insurance to their policy, which covers injuries or property damage resulting from a product you manufacture, sell, or distribute. A professional liability insurance policy can protect your business from claims alleging negligence or misconduct. If you store any client data, use a Point of Sale or scheduling software (e.g., MindBody), cyber liability insurance could help your business recover from a cyberattack.

If you have full-time employees working at your studio, they are likely covered by your yoga liability insurance. However, it is essential to note that your coverage limit applies to all employees of your business, not each employee. One option to accommodate all of your employees is to increase your limit. Hiring freelance instructors that carry liability insurance is another way to ensure all parties have adequate coverage.

Suggested Coverage:

• Commercial General Liability Insurance
• Commercial Property Insurance
• Business Interruption Insurance
• Product Liability Insurance
• Professional Liability Insurance
• Cyber Liability Insurance

Online Yoga Instructors

If you offer yoga classes online via Zoom or another platform or sell online courses, you run the same risks as those teaching in-person. If you instruct virtual courses, you are providing an online service. You will want to protect your business against negligence claims or failure to deliver a service as advertised with professional liability insurance.

For those selling products alongside their digital offerings, product liability insurance protects against lawsuits alleging bodily injury or property damage due to a product you sell or manufacture. Of course, anyone collecting information about their students (e.g., financial, health) will want to protect their business with cyber liability insurance in the event of a cyberattack.

Suggested Coverage:

• Product Liability Insurance
• Professional Liability Insurance
• Cyber Liability Insurance