Is insurance different for individual yoga instructors vs. yoga instructors with a premise?
The principles are the same, but some of the coverages differ slightly.
There is a higher general liability risk with a premise, such as a yoga studio. If you are operating a racquet club, for example, and are leasing space, you are liable for all activities that happen on the premises, including any slips and falls, which will trigger a General Liability insurance policy to cover.
Commercial landlords require tenants to have at minimum a general liability insurance policy to operate in their leased space. Individual yoga instructors will also want to get a General Liability insurance policy — but it is included with their Professional Liability insurance package from APOLLO.
If you are operating as a gym or studio you will also want to ensure that any improvements you make as a tenant are covered by the right insurance policy. That’s why we offer tenants improvements insurance to both health and fitness premises, and to individual yoga instructors.
Whether you are a yoga instructor with a premise, or you are an individual yoga instructor, you will need Professional Liability insurance to defend against claims of professional negligence.