Yoga insurance can cover anything from a studio fire to student injuries to negligence claims. It’s simply a matter of selecting the policies that match your risks. Depending on the coverage and limits of your policies, the cost for Pilates and yoga teacher insurance can range from $100 to $400 per year.
Whether you run your own studio or teach one class per week, finding affordable coverage you can count on is important. Next Insurance plans start at $11 per month, allow you instant access certificates you can use to show you have insurance, and enable you to instantly add additional employees as needed. You can get a no-obligation quote online in minutes.
How Pilates & Yoga Insurance Works
There isn’t a single policy called Pilates and yoga insurance. Instead, instructors need to buy individual policies that cover particular risks. However, many insurers package key yoga teacher insurance policies to make purchasing easier and more affordable. One popular combination is general liability and professional liability. You can buy these bundles for $180 to $300.
Pilates and yoga instructors have three options for getting insurance. The first is to buy directly with a top insurance company. Many carriers offer coverage directly to consumers through their websites. The second option is to work with a broker who can sell yoga insurance from multiple carriers. Finally, you can join a trade association. These organization often offer discounted insurance as a member benefit.
Top Pilates & Yoga Insurance Providers
|Next Insurance||Yoga and Pilates teachers who need fast, affordable liability insurance|
|Hiscox||Yoga and Pilates teachers who need an affordable and customizable business owner’s policy|
|AP Intego||Studio owners who need a payment plan for their workers’ compensation insurance|
|Alternative Balance||Yoga instructors who teach online or aerial, water, or paddleboard yoga classes|
|Fitness and Wellness Insurance||Yoga teachers and studio owners who teach offsite classes, including overseas retreats|
Five top insurance companies for yoga and Pilates instructors are:
1. Next Insurance
Next Insurance is an online broker that works with top insurance carriers to bring liability insurance to small business owners. The company offers three payment levels for most quotes, so yoga teachers can pick the coverage and price that fits their needs.
The application on Next is simple and uses language that business owners can understand. It takes just a few minutes to complete, and yoga and Pilates teachers can usually get general liability insurance with professional liability coverage the same day they apply. Plans start at just $11 per month.
Hiscox is a business insurance specialist with a long history of working with small business owners. The company makes it easy for yoga and Pilates teachers to get separate general liability and professional liability policies through an online application.
Studio owners can also get quotes for a business owner’s policy with Hiscox. This policy combines general liability with commercial property. Business owner’s policies from Hiscox start at about $42 and can be customized to include coverage for electronic data loss, hired and non-owned vehicle liability, and employee dishonesty.
3. AP Intego
AP Intego is a digital platform designed to simplify the insurance application process while still providing a personalized experience. The company offers a short application, instant quotes for workers’ compensation insurance, and an online purchasing option.
Studio owners with employees should consider going to AP Intego for workers’ compensation coverage. Not only is workers’ compensation AP Intego’s bread and butter, but the company has a pay-as-you-go payment plan. Most companies require an upfront payment based on a yearly payroll estimate, but AP Intego charges you based on your actual monthly payroll. This helps you manage your cash flow and eliminates end-of-the year surprises.
4. Alternative Balance
Alternative Balance is a professional group that works with a network of top-rated carriers. It has affordable coverage for over 500 professions in the health and wellness industry. Yoga teachers can get combined professional and general liability coverage and add endorsements for cyber liability and sexual misconduct coverages.
Yoga instructors may want to look at Alternative Balance if they teach water, paddleboard, or aerial classes, as these classes are often excluded in liability policy. The cyber endorsement is also a good option for online classes.
5. Fitness & Wellness Insurance
As a member of Philadelphia Insurance Companies, Fitness and Wellness Insurance specializes in coverage for the fitness industry. Individual yoga teachers can apply online and get immediate general and professional liability insurance. Studio owners take a bit longer, but can still get affordable coverage.
The coverage automatically includes coverage for all 50 states and short international business trips. This makes it ideal for yoga teachers who often teach yoga retreats and corporate wellness programs, or for those who want to go overseas for additional training.
Types of Pilates & Yoga Insurance
There are several different types of Pilates and yoga insurance policies. Each coverage type covers certain risks that are inherent to the business of Pilates and yoga instruction. Deciding which coverage you need depends on your exposure to these risks and any gaps in your current coverage.
Most Common Types of Pilates & Yoga Insurance
|General Liability Insurance||Claims of bodily injury or property damage to third parties|
|Professional Liability Insurance||Claims your instruction resulted in injury|
|Commercial Property Insurance||Value of your business-owned property, including studio space and equipment|
|Abuse and Molestation Insurance||Claims of sexual misconduct|
General Liability Insurance for Yoga & Pilates Teachers
General liability insurance covers you in third-party claims of bodily injury or damage to property. For instance, general liability pays medical bills for a student’s injury if it’s the result of your general operations. Injuries caused by your instruction require professional liability.
Standard general liability policies also have coverage for rented property, advertising injury, and product liability. Yoga teachers who rent a studio, advertise their business, or sell products may need these coverages, too.
Here are few examples where general liability might come in handy:
- Your incense burner starts a fire and destroys the studio you rent and the business next door.
- A student slips on your recently mopped floor and breaks their coccyx.
- A customer gets sick after ingesting supplements sold in your store.
When incidents like these occur, your general liability typically pays for your legal fees.
Professional Liability Insurance for Yoga & Pilates Teachers
Professional liability insurance, also called errors and omissions insurance for Pilates and yoga teachers, covers allegations of negligence. It pays for your legal defense in a lawsuit, but some policies also pay for an insured student’s medical bills. For a claim to be covered, it must have happened as a direct result of your services.
Professional liability claims often stem from:
- Errors in instruction, like pushing a student beyond their capabilities.
- Undelivered services, like selling a pack of classes and not teaching any of them.
- Failure to meet industry standards, like failing to take continuing education classes.
Pilates and yoga are both good means of improving core strength, flexibility, and general well-being. However, these positive results often require students to push themselves to the limits of their physical ability. Bodily injury is possible at any time during instruction and makes professional liability insurance a good investment.
Commercial Property Insurance for Yoga & Pilates Teachers
Commercial property insurance covers the value of your business property. Business property falls into two categories. The first is your studio, assuming you own it, and the second is the contents of that space. When your business property is damaged, property insurance pays the insured value so you can get it repaired.
Studio owners may want to investigate a business owner’s policy. It combines general liability and commercial property insurance for a lower rate.
Abuse & Molestation Insurance for Yoga & Pilates Teachers
Because they frequently have physical contact with students, Pilates instructors and yoga teachers are sometimes accused of sexual misconduct. Abuse and molestation insurance covers these claims by paying your legal fees.
It’s hard to imagine a student accusing you of sexual misconduct. However, the intimate nature of yoga and Pilates instruction, particularly for one-on-one sessions, exposes you to the risk.
Additional Types of Pilates & Yoga Instructor Insurance
While yoga teachers may have some common operations, some unique situations exist, too. These typically require additional coverage.
Depending on your operations, you may also need:
- Workers’ compensation insurance – This policy pays injured employees’ medical bills and some of their lost wages. Employers are required to carry workers’ compensation in most states.
- Business owner’s policy – Business owner’s policies combine commercial property and general liability insurance. Studio owners can save money on these policies when the bundle them in a business owner’s policy.
- Cyber liability insurance – Cyber insurance covers data breaches, paying for client notification, legal fees, and other associated costs. Yoga and Pilates teachers who collect online payments or store client information may want this coverage. It can be purchased as a standalone policy or added as an endorsement to their general liability.
Your business may need other types of insurance, too. Read our Ultimate Business Insurance Guide to learn more about additional policies and what they cover.
Pilates & Yoga Insurance Costs
Pilates and yoga teacher insurance costs range between $150 and $400 per year, depending on coverage, limits, and other key variables. For example, Pilates insurance costs can be higher because of equipment. Yoga liability insurance costs increase if you own or lease a studio. Add employees, and you will need additional coverages, increasing your overall costs.
Pilates & Yoga Teacher Insurance Costs & Deductibles by Insurance Type
|Combined professional & general liability policy|
The chart shows how combining general and professional liability insurance saves money. Buying the policies separately could cost up to $380 a year. When you combine them, you get both policies at a lower rate.
You can also save money on Pilates and yoga teacher insurance by:
- Getting certified – Many insurers offer discounts for yoga and Pilates instructors who maintain certification.
- Comparing quotes – Different insurers charge different premiums for similar businesses, so it’s a good idea to look at multiple offers.
- Joining a national organization – NACAMS, Yoga Alliance, and IDEA all work with insurers to bring affordable liability insurance to yoga and Pilates teachers.
Tips on Getting Pilates & Yoga Insurance
According to the Yoga Alliance, more than 36 million practice yoga in the U.S. That’s great for your yoga business, but it’s also a large pool of potential plaintiffs. Getting the proper insurance keeps your business protected and growing, whether you’re an individual yoga teacher or a Pilates studio owner.
Some tips on getting Pilates or yoga insurance include:
Gather Your Information
Before applying for Pilates or yoga insurance, you’ll need to provide the insurance agent with some information about your business. This information helps your insurer determine how much of a risk your business is so it can set your premium. The more accurate your information is, the more precise your insurer is with your quote.
Here’s the information to have ready before applying:
- Address and contact information
- Equipment you will be using with clients
- Products you sell or provide to your clients
- Claims history (at least the past three years)
- If you require clients to sign a waiver
- Criminal history, if applicable
- Certifications you hold
Your insurance agent can also use this information to assess risk and recommend policies and coverage limits.
Work with a Broker
When shopping for yoga insurance, it’s smart to get your quotes from multiple insurance companies. That process can be made quicker if you use a broker who can shop different policies for you and find the best coverage at a price that works for you. An insurance broker can also help you choose policies and apply.
Share All Your Business Operations
Your agent needs to know how you run your business so they can figure out what insurance you need. Most of those details are common to all businesses, like security measures and contracts. Others, however, are unique to Pilates and yoga teachers. Make sure your agent knows about your certifications and classes, too.
Ask for Your Certificate of Insurance
One important aspect of choosing the best insurance coverage for Pilates and yoga instructors is the ability to print a copy of your Certificate of Insurance (COI), a document given to you by the insurance company that confirms your coverage. The Certificate of Insurance is typically required before you can begin teaching at a studio or similar facility.
According to Alon Huri of Next Insurance:
“Yoga and Pilates instructors should focus on finding insurance that’s affordable, specifically built to their needs, and offers a full range of online options including certificates of insurance. Opportunities to teach in new places can arise all the time, so the ability to print off certificates of insurance and add additional insureds online instantly is particularly important for yoga and Pilates teachers.”
Ask Who Your Abuse & Molestation Insurance Covers
Abuse and molestation coverage can be tricky. Some policies exclude alleged perpetrators from coverage. The ones that don’t may have restrictions, like only paying for the defense once the defendant is found not guilty. Others require repayment if the defendant is guilty. Talk through the specifics with your agent before you buy.
Pilates & Yoga Insurance Frequently Asked Questions (FAQ)
Pilates and yoga teacher yoga insurance needs to be tailored to your unique practice. Below are a few questions and answers to demonstrate how your operations can impact your insurance needs. If you have more questions, post them to our forum.
Do I Need Yoga Insurance if I Teach in Someone Else’s Studio?
Most studio owners carry general liability and professional liability insurance. However, the studio’s policies don’t necessarily cover teachers when they are independent contractors. If you aren’t an employee of the studio, you will most likely need your own liability insurance.
Will My Yoga Liability Insurance Cover Me if I Teach Outside the U.S.?
The coverage territory in most liability policies is the United States, its territories and possessions, Puerto Rico, Canada, and the international airspace and waters when traveling to and from these destinations. You can find liability coverages for international work, so talk to an agent about any overseas retreats and classes.
Do I Need Insurance if My Students Sign Liability Waivers?
Asking students to sign waivers is a good risk management technique because it can stop some lawsuits before they start. However, waivers only transfer some of the liability to students. Injured students may still file a claim for gross negligence or intentional acts. Yoga liability insurance can cover these claims.
Do I Need Yoga Insurance if I Teach in My Home?
Once you accept money for your instruction, you’re running a business. That’s true whether you own a studio or teach yoga out of your home. Unfortunately, most home insurance policies exclude business activities, which means you may be on the hook if a client sues. Read our article on Home-Based Business Insurance to learn more.
Fortunately, the cost of Pilates and yoga teacher insurance, which ranges from $100 to $400 per year, is low compared to insurance for other industries. At this price, the premiums are well worth the investment to keep your Pilates or yoga business strong and healthy like your students.
Getting insurance coverage can be easy for Pilates or yoga instructors if they work with a knowledgeable and reputable insurance agency, like Next Insurance. It can make sure you have the coverage you need at the best price for you. Best of all, you can get a free, no-obligation quote in minutes.