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January 23, 2019 David Dyck

Yoga Instructor
Insurance

Professional liability insurance covers your yoga instructor business if you’re sued for performing professional services, even if you haven’t done anything wrong. Get a quote and buy yoga insurance online in under five minutes with Apollo.

As members of the health and fitness industry, yoga instructors take great pride in leading clients through a wellness routine. We understand that the people you work with are the most important thing. You want to grow your business, and providing a safe, secure, healthy and peaceful place for people to practice yoga is critical.

The last thing you want to do is get distracted by complex or expensive insurance. That’s why Apollo insurance designed an insurance product specifically for yoga instructors and teachers. It’s simple, fast, and inexpensive, with expansive coverages.

Whether you run your own yoga studio, or you’re an individual yoga teacher, there are several different types of insurance coverage that you will need in order to protect yourself and your equipment.

What kinds of yoga instructors need insurance?

The category of yoga instructors is pretty broad. There are a number of yoga instructors who are eligible to buy insurance online (if you do more than one of these, don’t worry! Just choose the one that best represents what you do).

  • Rocket Yoga
  • Sahaj Marg
  • Shadow Yoga
  • Shiva Yoga
  • Sivananda Yoga
  • Strala Yoga
  • Styles of Hatha Yoga
  • Svaroopa Yoga
  • Swara Yoga
  • Lymphatic Drainage
  • Meditation
  • MELT Method
  • Bikram Yoga
  • Chair Yoga
  • Dhyana Yoga
  • Thai Massage (non-RMT)
  • Thai Yoga Massage
  • TriBalance Hot Yoga
  • TriYoga
  • Vigorous Vinyasas
  • Viniyoga
  • Vipassana Meditation
  • Yanumoja Yoga
  • Yin Yoga
  • Zen Meditation
  • Zen Yoga
  • Ashtanga vinyasa
  • Bando Yoga
  • Forrest Yoga
  • Hatha Yoga
  • Hot Yoga (various temperatures)
  • Integral Yoga
  • Jivamukti Yoga
  • Karma Yoga
  • Kriya Yoga
  • Laughter Yoga
  • Laya Yoga
  • Mantra Yoga
  • Moksha Yoga
  • Naam Yoga
  • Nada Yoga
  • Nidra Yoga
  • OM Yoga
  • Paddleboard Yoga
  • ancadasha-anga Yoga
  • ParaYoga
  • Patanjali Ashtanga Yoga
  • Power Yoga
  • Pranava Yoga
  • Pranayama
  • Raja Yoga

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, or claims of harassment, 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.

A lawsuit, regardless of
fault, can be costly to
defend.

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 tenants improvements insurance applies only to health and fitness premises, and not 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.

 

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How does Professional Liability Insurance protect my yoga business?

As a yoga instructor, your clients depend on your expertise. You’re not just a professional — you’re a business owner, and insurance is a key component to operating a small business.  Clients come to you with their goals, injuries, or other concerns, seeking your professional guidance to help them improve their wellbeing. They are sometimes literally putting themselves into your hands. Being a professional also means you are held to a high standard, expected to reflect the years of knowledge you’ve collected and specialized training you’ve completed. You are legally required to perform your duties with a certain level of care fitting of someone with your level of expertise.

The cost of legal fees alone
could impair your ability to
continue doing business.

Any technique, procedure or piece of equipment used incorrectly could result in serious injury to your clients. Some yoga poses can also be risky. Even something as innocuous as a deep squat could lead to injuries for people with prior knee problems you might not have been aware of.

You’ve built up a good reputation and your clients trust you, but it only takes one incident to put everything in jeopardy. If one of them feels that you were negligent or failed to properly render professional services, they can sue you.

Even if you’ve taken all the right steps to make sure everything is done correctly and as safely as possible, the cost of legal fees alone could impair your ability to continue doing business. And don’t forget that the allegations don’t have to be true. Frivolous lawsuits are expensive too. To protect against this risk, make sure you have professional liability insurance in place.

Professional liability insurance will pay for any damages the court awards to the plaintiff but also many costs associated with your defense (lost wages, legal fees, expert testimony, etc.). These extra costs are paid for on top of your limit of insurance. Many studios won’t even let you see clients in their facilities without proof of professional liability insurance in place.

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How does Contents & Equipment Insurance protect my yoga business?

Outside of the contents typical of a business like furniture and computers, people in the health and fitness industry make significant investments in cutting edge exercise equipment and diagnostic tools. These tools are used to help you better serve your clients and bring new techniques to help them achieve their goals.

Your livelihood depends on these tools
and insurance will pay to replace them
if they are stolen or lost in a fire.

Even something as simple as a single piece of training equipment could cost thousands of dollars. Your livelihood depends on these tools and insurance will pay to replace them if they are stolen or lost in a fire. Your personal insurance will not cover business property, even if in your car or at your apartment. If you’ve made large investments in contents or equipment, you’ll need protection. Make sure you have adequate commercial property insurance in place to pay for these things and enable you to restart your business quickly.

What does Tenant Improvements Insurance cover for a yoga instructor?

Your gym, studio or salon should be a place where people feel welcome — a place that your clients are excited to visit on a regular basis. To that end, you’ve likely invested a lot of money in renovations to make the place as attractive as possible.

If you don’t own the building you work out of but have made significant renovations or improvements, you will need tenant improvements insurance. The labour and materials to replicate your space can be paid for by the insurance company. Think about that new hardwood and the implications of a burst pipe totally outside your control, insurance can help replace the flooring and get your business back in operations.

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How does Commercial General Liability (CGL) Insurance protect my yoga instruction business?

Clients come in and out of your facility on a regular basis. There might be water on the floor or dangerous weights and other equipment lying around. There’s no shortage of things that have the potential to cause injury or property damage to visitors.

Make sure you have a Commercial General Liability (CGL) policy in place to protect yourself against lawsuits from visitors who are injured on your premises.

A CGL policy protects you against
lawsuits from visitors who are
injured on your premises.

Another key part of the CGL policy is third party property damage, where something you’ve done damages the property of others. This could include accidentally breaking a mirror at a fitness facility that could be thousands to replace, or a medicine ball breaking a window. These types of things happen and it is key to have insurance to cover the risks of operating your business.

As a personal trainer, you know that it helps to get expert advice. If you have any questions about what’s best for you, reach out and we’d be happy to help.

 

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