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What insurance do yoga teachers need?

Insurance Questions Answered: 

I’ve just qualified as a yoga teacher – what insurance will I need for my classes?

People of all ages, sizes and ability come to yoga for many different reasons, but no matter how experienced your pupils are, there’s always the risk of someone pushing themselves too hard and hurting themselves. If someone in your class does get injured, it’s important to make sure you have the right insurance in place to ensure that you’re covered for legal fees or any compensation that the injured party may be seeking.

Some gyms and yoga studios may have cover for instructors included in their insurance policy, but be sure to check this before you start teaching a class.

If you do need your own cover, some insurers can offer special insurance packages for yoga teachers (or indeed for any specialist fitness instructor), but there are a few things that you will need to make sure are included in your cover.

Public liability insurance

The most important type of insurance for you to have as a yoga teacher is public liability insurance. This covers you against legal fees or compensation if someone is injured in your class.

Liability insurance gives you financial protection in the face of a lawsuit so that you are not left out of pocket should the worst happen. Even if you did win, lawsuits can be expensive, so it’s important that you cover yourself against legal costs.  

Find out more about public liability insurance here.

Other types of insurance yoga teachers may want to consider are:

  • Income protection

If you are a self-employed yoga teacher, you might want to consider protecting you income should you become ill or injured and unable to work.

Find out more about insurance for self-employed workers here.

  • Business equipment insurance

The sound system and speakers you use during classes could be stolen or damaged and can be expensive to repair or replace. Portable equipment cover will protect you against loss, damage or theft.

  • Property insurance

If you own a yoga studio, you may want to consider insuring the property and contents against disasters like floods, fires, burst water pipes and theft.

Find out more about insurance for small businesses here.

  • Employers’ liability insurance

If you own a yoga studio and employ staff to work there, you are legally obliged to have employers’ liability insurance. This covers the cost of compensating employees who are injured at or become ill through work.

Find out more here.

Last updated 15/03/2019