Affordable Solutions to Protect Yourself & Your Students
For Yoga Teachers College Diploma holders and Certified Yoga Trapeze Instructors, 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.
FUN FACT: It’s often more expensive to insure an iPhone than a yoga teacher, so don’t wait!
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 third-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:
- 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.
Insurance provider: Alliant
|YA Professionals||YA International||Yoga Journal||Alternative Balance|
|Zoom classes coverage?||Yes, their policy covers Zoom classes. However, one of these items must be collected by the instructor or the 3rd party they provide services for: a waiver or a fee.||Yes, you are covered to teach online as long as you treat them like you are teaching in the studio.||Answer not available yet.||Yes, online/virtual is covered.||They cover you to work over zoom internationally.|
|Yoga Trapeze classes coverage?||They cover suspension or aerial yoga instruction. NOTE: Students must be able to reach the ground with their feet at all times, so hammocks must be no more than waist||This is not covered in their general policy, you would need to purchase extra cover – this usually has an additional cost of £49.00 and is organised directly through our insurance company.||Answer not available yet.||Not at this time. All aerial styles are not covered with our insurance.||They cover Yoga Trapeze teachers/classes as long as the practice is focused on fitness, flexibility and therapy and is not for the purpose of performing arts, circus movements, aerial/flying trapeze, or gymnastics-focused training.|
|International coverage?||We cover services worldwide. Claims must be reported in the US, its territories, or Canada||Yes, this is recognised and covered internationally expect the US and Canada, but you must be domiciled in the UK or Ireland.||Australian based insurance companies do not offer online or face to face yoga training courses delivered overseas.||Policy follows the instructor anywhere you teach in the continental USA and internationally for short business trips that do not exceed 30 days.
(Our insurance only covers US residents.)
Frequently Asked Questions
Q: Once I’m insured, does it mean I never have to worry about it again?
A: No. Even if you’re insured, if there is a claim, your insurer will likely fight you on it and make you jump through hoops.
Q: Do I need to be a diploma holder or certified teacher to get insurance?
A: In almost all cases, no. You can get insured before you complete your training.
Q: Does YOGABODY sell insurance or make a commission if we buy insurance?”
A: No. We are not affiliated with any insurance company or agency. There is no financial incentives behind our recommendations.
Like this article? Want more?
We offer professional yoga training programs, business development courses, and studio-quality props. Visit us at the links below.
- Online Yoga Training Courses
- Studio-Quality Yoga Props
- Lucas Rockwood Show – Health & Wellness Podcast