YOGA TEACHERS’ INSURANCE 101
by Lucas Rockwood
For Yoga Teachers College Diploma (YTD) holders and Certified Yoga Trapeze Instructors (YTI), insurance is a must. The main reason teachers don’t get insured is because they worry it will be complicated and/or expensive to do so. This is rarely the case. Yoga injuries are extremely rare and mild compared to just about every other type of physical activity, so it’s possible to get hundreds of thousands of dollars’ worth of liability insurance at a low cost per year.
Questions to consider:
- What type of yoga do you teach?
- Do you need to insure other teachers / team members?
- Do you need sexual harassment / abuse insurance?
- Do you need e-commerce, data protection, or cyber insurance?
Typical coverage plans:
- Standard insurance packages include general liability (slips/falls) and professional liability (improper adjustments, poor advice).
- More comprehensive packages also include sexual harassment / abuse insurance.
- The most complete packages include all of the above plus data protection / e-commerce and/or cyber insurance.
Tips & suggestions:
- Even if you work at a studio or facility that has insurance, it’s smart to get your own anyway.
- Many festivals, events, and 3rd party venues will insist you’re privately insured to use their facilities, so get it done now and be prepared for the future.
- Yoga Trapeze teachers should refrain from using the words ‘aerial,’ ‘acrobatics,’ and ‘swing’ when talking to providers. Refer to the practice as ‘suspension yoga’ and make sure you emphasize that the rig hangs a maximum of 120 cm off the ground.
NOTE: Yoga Trapeze classes are super low risk and easy to insure. Aerial yoga / aerial arts classes, on the other hand, are high risk and very expensive and complicated to insure.
Where to get insurance:
- Yogi Chuck: A yoga teacher who has a family insurance business. He’s a really nice guy, but more importantly, he understands the market and your needs.
- Yoga Alliance: All three Yoga Alliances (USA, UK, and Australia) act as agents to sell insurance. This is part of their business model, but they do a good job and their rates are very competitive. Also, you know that you’re getting true ‘yoga insurance,’ which is important.
- Local banks: Students always ask, “Where does YOGABODY get insured?” We are insured through our local bank. This might be an option for you, but often it’s faster and cheaper to use some of the other options listed here.
- Alternative Balance: This is a great option if you are doing yoga plus other holistic health practices (such as massage, oils, etc.). The professional group is able to roll many modalities into one plan.
- Yoga Journal: Similar to the Yoga Alliances, Yoga Journal makes money by brokering insurance, as well. They also do a good job and their rates are very reasonable.
Frequently Asked Questions