If you are a yoga instructor, where do you look to buy yoga teacher insurance? What companies sell yoga teacher insurance?
Early on in my yoga teaching days, I knew buying yoga insurance through Yoga Alliance (a membership benefit) was an easy, quick coverage option. It was something you needed right from the start in building a yoga business. And, it was what all the cool yoga kids did. At least, it seemed so at the time.
Now that yoga has exploded in mainstream popularity, there are many options when it comes time to shop for yoga instructor insurance. There are lots of companies selling yoga insurance at competitive rates.
Where to Buy Yoga Insurance
These are some popular insurance companies that sell yoga teacher liability policies. Either they are popular because the policies themselves are good, customer service is good, claims are handled well, or the companies are good at SEO marketing, so they appear in your face in search engine results.
Whatever the case, if you are in the market for yoga insurance, these are some company brands you will likely come across and may wish to consider.
Yoga Alliance offers this convenient and detailed insurance comparison chart of several popular offerings.
Only You Can Decide What Policy Is Right for Your Needs
Insurance companies offer different coverages. Do your homework and compare offerings. That way you’ll buy what you need and reduce the risk of surprises.
Two questions/answers you may wish to know before purchasing a policy (among others):
- What does the policy cover?
- Does it cover all of my yoga activities?
1. Alliant – Membership Perk Through Yoga Alliance
If you are a Registered Yoga Teacher (RYT) through Yoga Alliance, you are eligible to purchase professional and general liability insurance at special rates. It’s a membership perk. This insurance is underwritten by Lloyds of London, which is an A+ rated company. You can learn more or sign up for it here.
- liability insurance for part-time time self-employed/independent contractors – rates starting at $110/year
- liability insurance for full-time self-employed/independent contractors: $125/year
- coverage for online activities
- coverage (with supplement) for certain yoga niches, like SUP Yoga or Aerial Yoga
- Quick issuance of certificate of insurance (usually right away)
2. Philadelphia Insurance
You can find the benefit fact sheet here, which outlines coverages.
- Comprehensive General Liability and Professional
Liability – limits to $2M each occurrence/$4M aggregate
(higher limits available)
- Coverage available for the majority of yoga styles
- Covers teaching at yoga retreats
- May take a day to receive initial certificate of coverage
3. Yoga Journal (Teacher’s Plus)
Offers instant online coverage and covers all styles of yoga. Read the Yoga Journal Liability Insurance Highlights.
Yoga Journal Teacher’s Plus offers:
- Instant online coverage
- Part-time & full-time teacher coverage
- Covers all styles of yoga
4. BeYogi Insurance
BeYogi insurance is another coverage option if you are in the market for insurance. You can read an overview and details sheet here.
Some of the highlights BeYogi offers:
- Part-time rates ($159)
- Full-time rates ($179)
- Stolen equipment coverage
- Identity protection
*This blog post is for informational purposes only. This is not legal advice, nor does it form any legal/attorney relationship of any kind. For questions specific to your situation, you should consult with your own lawyer.