6 Best Yoga Teacher Insurance Providers Compared: Coverage, Cost, & How to Choose
The best insurance company for most individual yoga teachers is Insurance Canopy, thanks to the balanced combination of affordability, flexibility, transparency, and customer service.
Below are six leading yoga instructor insurance options with a clear breakdown of costs and coverages. This quick comparison helps you see what each provider includes and choose the best plan for you and your business.
- Insurance Canopy: Best overall yoga instructor insurance
- NEXT: Broad range of add-ons and commercial business bundles
- beYogi or NACAMS: Teachers-in-training and part-time teacher policies
- PHLY (Philadelphia): Studio owners or (very) part-time teachers
- Alternative Balance: Business interruption and other specialty add-on coverages
*Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
6 Best Yoga Instructor Insurance Providers
| Insurance Provider | Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|---|
|
Insurance Canopy |
$15 per month or
$159 per year |
|
|
$3,000,000 |
|
NEXT Insurance |
$37 per month or
$444.00 per year |
|
|
$3,000,000 |
|
beYogi |
$16.87 per month or
$179 per year |
|
|
$3,000,000 |
|
NACAMS |
$16.87 per month or
$179 per year |
|
|
$3,000,000 |
|
PHLY
(Philadelphia) |
Part-time: $125 per year |
|
|
$4,000,000*** |
|
Alternative Balance |
$269 per year (no monthly payment options) |
|
|
$4,000,000*** |
Insurance Canopy
| Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|
|
$15 per month or
$159 per year |
|
|
$3,000,000 |
NEXT Insuranc
| Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|
|
$37 per month
$444.00 per year |
|
|
$3,000,000 |
beYogi
| Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|
|
$16.87 per month or
$179 per year
|
|
|
$3,000,000 |
NACAMS
| Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|
|
$16.87 per month or
$179 per year |
|
|
$3,000,000 |
PHLY (Philadelphia)
| Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|
|
Part-time: $125 per year
or
Full-time: $185 per year
(No monthly payment options)
|
|
|
$4,000,000*** |
Alternative Balance
| Starting Costs* | Same Day COI / Buy 100% Online | General Liability (Base Policy) | Base Coverage Limit Compared |
|---|---|---|---|
|
$269 per year (no monthly payment options)
|
|
|
$4,000,000*** |
*Starting costs were obtained by completing applications for providers who offer an online quote process, and whenever possible, for a policy with the same limits as our base policy. With some providers, your actual starting cost could change based on your location, annual revenue, etc. To provide an honest comparison, our buyer is an individual trainer with no employees based in Ohio, earning $50,000 or less per year.
**Offers online purchasing, but does not guarantee same-day COI.
***This insurer does not offer a $3,000,000 base coverage limit.
Insurance Canopy: Best Insurance for Yoga Teachers
Cost:
- $15/month
- $159/year (save by paying upfront)
Key Coverages
- General liability
- Professional liability
- Personal and advertising injury
- Products – completed operations
- Damage to premises rented to you
- Medical expense
Add-ons
- Additional insureds
- Gear and equipment coverage
- Sexual Abuse & Molestation (SAM) Insurance
- Cyber liability
- Diet and nutrition coverage
Standout Features
- Instant coverage and certificate of insurance (COI)
- Easily customized coverage
- User-friendly online dashboard
- Policy auto-renewal available (but not required)
- Most affordable and transparent pricing
- Most consistent pricing, with base premiums the same in every state, unlike some other providers
- Quick, simple application
- Customizable add-on coverages
- A+ rated carrier
- Easy to file a claim online
- Customer service from licensed, non-commissioned agents available in English and Spanish
- Online dashboard for 24/7 access to manage your COI, additional insureds, etc.
- No coverage for brick-and-mortar studios
- Only one coverage limit option for general and professional liability
Based on our research, Insurance Canopy is the best yoga instructor insurance option for most, offering affordability, coverage customization, and ease of use.
Yoga teacher policies start at $15 per month or $159 per year with $3 million in general and professional liability coverage. This cost-to-coverage ratio provides the best bang-for-your-buck on the market.
Our add-on options allow you to build a policy that only includes the coverages you want, so you don’t end up paying for coverage you don’t need. If you change your mind, you can update your policy at any time through our convenient online dashboard.
The online dashboard also makes it easy to access your certificate of insurance, add coverages or additional insureds, or change your payment information. No customer service agent required — though they are available should you need a little extra human help!
Insurance Canopy’s standout customer service features full-time, licensed, and non-commissioned agents who speak English or Spanish. Available Monday through Friday, agents can help you get the right coverage, meet contract requirements, file a claim, and more.
Pro tip: Learn more about yoga teacher liability insurance costs — how much it costs, what impacts premiums, and more.
NEXT Insurance: Bundling Commercial Business Coverages
Cost: $37/month (compared for our buyer, including $3M in general liability coverage)
Key Coverages Included
- General and professional liability
- Damage to rented premises
- Medical expense limit
Add-ons
- Employment-related practices liability (EPLI) coverage
- Commercial auto
- Commercial property
- Workers compensation
- Cyber coverage
- Terrorism Coverage (Certified Acts)
- Abuse & Molestation Coverage
Standout Features
- Multiple limit options to choose from
- Ability to bundle coverages
- Options for commercial brick-and-mortar gyms
- Multiple limit options for their included coverage types (medical expense, rented premises damage)
- Wide range of add-on coverages
- Errors and omissions (professional liability) are included in the base policy
- Costs more for $3 million in general liability vs Insurance Canopy Unable to customize a quote with equipment coverage
- Unable to customize a quote with equipment coverage
- Online/AI customer service only; must go through the chatbot to be connected with live service reps
- Your price can increase based on your state, unlike Insurance Canopy
- Lengthy application and purchase process
- Unable to view details of coverage chosen on checkout page
NEXT insurance offers a broad range of coverage options, including general liability, commercial auto, commercial property, and workers’ compensation, which can be beneficial for yogis opening their own studios.
NEXT also offers an instant COI, which is a plus if you need to show proof of insurance at the last minute. The AI-driven customer service may be fast, but if you need to speak to a human representative, you’ll need to chat with the bot first.
beYogi: Students and Part-Time Instructor Policies
Cost:
- $179/year standard policy (compared for our buyer, including $3M in general liability coverage)
- $169/year for part-time (10 hours/week or less) instructors
- $334 for two years
- $60/year for students
Key Coverages Included
- General and professional liability
- Personal injury and advertising Injury
- Identity protection
Add-ons
- Additional insureds
- Unlimited additional insureds
- Microblading
Standout Features
- Recently added optional coverage for microblading services ($499/year)
- Student insurance policies for yoga instructors in the process of doing their teacher training
- Offers discounted policies for part-time instructors and student yogis
- Offers two-year policies
- Covers stand-up paddleboard (SUP) yoga
- Costs more for $3 million in general liability vs Insurance Canopy
- Limited add-on coverages available
- Discounted part-time instructor policy still costs more than Insurance Canopy’s base trainer policy
beYogi’s primary focus is on yoga, Pilates, and bodywork services. They cover several frequently-excluded modalities, including Stand Up Paddleboard (SUP) yoga, acro yoga, and yoga therapy. Policy add-ons, however, are limited to additional insureds and microblading.
BeYogi also offers multiple policy types for full-time instructors, part-time instructors, and teachers-in-training. beYogi classifies instructors working 10 or more hours a week as full-time, and those teaching 10 hours or less as part-time.
Full-time teachers can buy one- or two-year liability policies, and part-time or in-training teachers have access to discounted policies. Student policies are convenient for those enrolled in teacher training programs who only teach with supervision or as part of their certification program.
NACAMS: Student Teacher Policies
Cost:
- $179/year standard policy (compared for our buyer, including $3M in general liability coverage)
- $334 for two years
- $60/year for students
Key Coverages Included in Annual Policy
- General and professional liability
- Product coverage
- Personal injury and advertising Injury
- Identity protection
Add-ons
- Additional insureds
- Unlimited additional insureds
- Microblading
Standout Features
- A free professional website is listed as a member benefit
- Student insurance policies for yoga instructors in the process of doing their teacher training
- Offers discounted policies for yoga teachers-in-training
- Offers two-year policies
- Costs more for $3 million in general liability vs Insurance Canopy
- Limited add-on coverages available
NACAMS (National Association of Complementary and Alternative Medicines) and beYogi are owned by the same parent company and offer very similar costs and coverage options.
It’s unclear if NACAMS covers SUP yoga like beYogi, but they have the same limited policy add-on options: additional insureds and microblading. Unlike beYogi, NACAMS’ base policies also include product coverage.
Like beYogi, NACAMS offers one- or two-year liability policies, as well as discounted student teacher policies. While they don’t offer separate part-time teacher policies, NACAMS may still be a convenient choice for instructors-in-training who do minimal teaching or who haven’t started collecting payment for instruction.
PHLY (Philadelphia) Insurance: Yoga Studios & Part-Time Instructors
Cost:
- $185/year standard policy (for $4M in general liability coverage)
- $125/year for part-time (6 hours/week or less) instructors
Key Coverages Included in Event Policy
- General and professional liability
- Sexual abuse liability
- Products liability
- Medical payments
- Damage to premises
Add-Ons
- Additional insureds (no cost)
- Increased limits (requires calling the company and underwriting consideration)
Standout Features
- Provides coverage for international business trips no longer than 30 days
- Options for commercial brick-and-mortar gyms
- Includes sexual abuse liability coverage with a base policy
- Additional limit options
- Also provides fitness studio plans
- Higher general liability aggregate coverage
- No monthly payment options
- Limited customization
- Not available in Louisiana
- Lower medical expense coverage than Insurance Canopy
- Lower rented premises coverage than Insurance Canopy
- Does not cover acro yoga
Philadelphia Insurance (PHLY) is a large insurance company that offers policies for brick-and-mortar studios as well as individual yoga teachers. PHLY’s studio coverage also extends to employees and independent contractors you may hire as a studio owner.
For individual instructors, it offers both part-time and full-time teacher policies. PHLY’s part-time policies provide more coverage and cost less than other part-time policies, but you must work less than six hours a week to qualify.
PHLY also offers some discounted policies or higher limit options to individual instructors, depending on current partnerships, which may be advantageous for members of certain organizations. Otherwise, there are only a few additional customization options available and final costs may depend on your state and municipality.
Alternative Balance: Business Interruption and Premium Coverages
Cost:
- $269/year (for $4M in general liability coverage)
Key Coverages Included in Event Policy
- Professional + General Liability
- Products–Completed Operations
- Personal and Advertising Injury (included under general liability)
- Damage to Premises Rented to You
- Medical Expenses
- Business Personal Property (BPP)
- Business Interruption (BI) Coverage
Add-Ons
- CyberShield
- Sexual Abuse Liability
- Paddle Board Yoga
Standout Features
- Includes business personal property and business interruption coverage in base policies
- Ability to add employees to your liability coverage (+$99/year)
- Includes higher total general liability coverage
- Includes business property and business interruption coverage
- Offers a variety of additional coverage options
- Base policy costs more than Insurance Canopy
- Cannot opt out of “extra” included coverages to lower your premium
- No monthly payment options
- Add-on coverages cost more than Insurance Canopy’s optional coverages
- Professional liability coverage is provided on a claims-made basis
Alternative Balance (AB) is a family-owned company that offers liability insurance to a wide range of small businesses. While base policies include more coverage types than most providers, starting premiums also cost nearly $100 more per year.
Alternative Balance allows you to combine disciplines on one policy — meaning you can include fitness, bodywork, esthetician, and more services on one policy, regardless of your primary service. However, many of these are considered premium services and include additional fees.
The claims structure at AB can be confusing for the average policyholder. In the small print, it states “General Liability is Occurrence; Professional Liability is Claims Made.”
This information is easily missed and involves jargon that many small business owners aren’t familiar with. These terms are related to when and how you’re able to file a claim, which can cause additional confusion if you end up needing to file a claim.
What to Look for When Comparing Yoga Teacher Insurance Policies
Most yoga instructors want affordable, easily-managed insurance. But insurance can be confusing, so it’s crucial to compare options on an apples-to-apples basis as much as possible.
For example, some companies’ actual costs vary depending on your location and/or how much you earn. Base coverage types and coverage limits can also change between providers, as well as what’s available as add-on coverage.
Here’s what to compare to decide which is the best yoga teacher insurance for you:
- The cost per month or year: Factor in discounts and variables based on your income and location, and if you prefer to pay monthly or annually
- The amount of coverage included: The “aggregate” limit is the total amount the policy pays out in one policy period, and the “occurrence” limit is the maximum amount per individual claim
- Add-ons you need: Do you own equipment you need to insure? Do you have employees? Do you own a studio?
- Scalable options: Are you in training to become a teacher? Do you only work a few hours a week? Are you part-time but trying to transition to full-time and need insurance to transition with you?
- Exclusions: Do you teach higher-risk yoga classes that are often specifically excluded, like SUP or acro yoga?
Top Questions About the Best Yoga Teacher Insurance Options
Does Insurance Canopy Provide Coverage for Online Instructors or Virtual Sessions?
Yes. Insurance Canopy yoga policies follow you wherever you teach, including in multiple studios, at home, virtually, or through prerecorded videos.
Do I Need Insurance if I’m Employed by a Studio?
Typically, yes. You need yoga teacher insurance because many facilities do not automatically cover you under their liability policy, especially if you’re an independent contractor and not a W2 employee. Studios may even require you to have your own insurance before hiring you.
What Types of Insurance Do Yoga Teachers Need?
Yoga instructors need liability insurance, specifically general and professional liability insurance (at least). These are the types of coverage that protect you against the costs of claims related to accidental injuries and property damage.
General liability covers you for things like slip-and-fall injuries and other accidents. Professional liability, also known as errors and omissions insurance, covers you for things like negligence or providing incorrect instructions.
How Quickly Can I Get a COI from Insurance Canopy?
You can get a certificate of insurance (COI) from Insurance Canopy in minutes. If you already have a policy, all you need to do is log in to your online dashboard and download your “Proof of Insurance.”
Insurance Isn’t Just Paperwork… It’s Peace of Mind.
Avoid last-minute panic and excessive worry by getting your yoga teacher insurance now. While the providers listed above are reputable, Insurance Canopy is our top pick for most yoga instructors due to its balance of affordability, coverage, customer service, and ease of use.