Are you back to in-person teaching yet? With many states now allowing group fitness classes, many yoga teachers are back in the studio either full- or part-time. Hopefully you’re back doing what you love, and if not now then sometime soon. It’s been a while since we’ve told you about the benefits of yoga teacher insurance, so we put together this refresher for you. Yoga insurance insures you against third-party claims that arise out of your yoga teaching and benefits you in a couple other ways. If you have any questions about this policy, be sure to reach out to our team of agents–they’re available by phone or chat during normal business hours. Here’s why you need yoga insurance.
#1 MEET STUDIO REQUIREMENTSIt’s been a while since you were in the studio. If you decided against renewing your yoga teacher policy last year, then now is the perfect time to do it. Especially because most yoga studios require you to show proof of insurance before you can begin teaching. When you’re looking to teach at a private yoga studio or chain gym, or any other location where you are not the studio owner, then you’ll need yoga teacher insurance. With yoga insurance you’ll be able to extend your coverage to the studio owner by listing them as an additional insured. Having someone listed as an additional insured means that if you’re sued for negligence, bodily injury, or property damage, then your policy also protects the studio owner from financial fallout. Having liability insurance for your yoga instruction can get you into more workplaces and help you expand your student base.
#2 SHOW PROFESSIONALISMIf you’re the type of yogi who is trying to teach out of their own studio or host outdoor classes, then you might not think you need insurance to protect you. But the truth is you’re exposing yourself to risk and need the proper coverage whether you’re in a space you own or rent. Carrying insurance shows you care about your business and ultimately, about your clients. Our policy offers Medical Expense Coverage so that if a client is injured during class you can extend that part of your insurance to cover their medical bills. Yoga insurance can help you enhance your professionalism and keep your clients coming back.
#3 PROTECT AGAINST RISKYou might not realize it, but yoga can be a dangerous exercise. With yoga-related injuries increasing in the past decade, you need to be sure you have insurance to protect you against worst-case scenarios. If you’re wondering what kind of risks you may face, here are a few examples we’ve seen in the past:
- A student asks for an adjustment that over-exerts their muscle and they end up in the ER as a result of your negligence
- Your mats, foam blocks, towels, and extra class gear gets stolen out of your vehicle or from your studio
- A student taking a class of yours injures themselves and damages property in the process due to you being negligent