Do you know that as a yoga teacher, a member of your class may take legal action against you because of an injury sustained while rehearsing? Of course, you wouldn’t wish for your students to get hurt, but what if it happens— would you really want to take that chance? I’m sure you wouldn’t wish that for yourself either.
As a yoga teacher, you’ll need insurance to protect yourself against such occurrences. Don’t worry if you’re unsure how to proceed; this guide will help you. In this piece, we covered all you need to know about Yoga teacher insurance, with a focus on teachers in the UK. So, come along with us as we get started.
What Exactly Does Yoga Teacher Insurance Cover?
Your students rely on you for care and attention to specific needs and ailments, whether you have years of experience or have just finished training. UK yoga teacher insurance typically begins with a public liability policy, which is designed to protect you if a student or member of the public claims you caused an injury or property damage. You can add optional coverage and pay monthly if necessary.
How to Select a Yoga Teacher Insurance Company UK
You should have a fair notion of what kind of teacher insurance you’ll need to teach yoga by now. We’ve provided recommendations on the type of insurance you’ll need based on whether you’re a freelancer or the owner of your own studio.
But how do you go about finding the best service provider?
There are hundreds of insurance companies to choose from, so it can be difficult to find the correct one, but don’t worry!
Here’s how to find the finest yoga teacher insurance in the UK.
#1. What is the cost of yoga teacher insurance?
Your choice of insurance provider will most likely be impacted by price, as it is with most things in life. The more expensive option isn’t always the best insurance for yoga teachers in the UK; there are lots of less expensive solutions available that can provide just as much insurance for a fraction of the cost.
And, let’s face it, no one wants to pay more than they have to, so we don’t blame you for looking for cheap yoga teacher insurance. One thing to keep in mind is that, unlike vehicle insurance, yoga teacher insurance will not cost you more simply because you are new to the profession.
But since the price isn’t a fair indicator of quality, how can you choose between all the options? See the next option
#2. Check what it covers
What appeared to be the best yoga teacher insurance for you may not be the best insurance for other teachers in the UK, so read through the policy to see if it covers everything you’re looking for. Again, if you don’t have any employees and aren’t responsible for insuring any property, purchasing an insurance package that includes employer liability or property insurance is a total waste of money.
Also, if the insurance appears to be inexpensive, double-check that it adequately protects you. Go ahead and do your homework to determine if it will pay out if something goes wrong during an online session, or if it will be valid for any specific classes you teach, such as yoga for children or pregnant women.
#3. What is the excess fee?
If the cost of your yoga teacher insurance appears too good to be true, it probably is. Once you’ve determined that it’s the right type of coverage for you, compare the excess costs charged by various providers. An excess fee is the amount of money you agree to pay toward a claim prior to filing it. Once you’ve paid the excess fee, your yoga teacher insurance provider will cover the rest of the costs.
To illustrate, if your sound system was stolen and was worth £300, and your excess was £100, you would be required to pay £100 toward the replacement, with the provider covering the remaining £200.
What appears to be a low-cost policy on the surface may actually include a high excess fee that you cannot pay. Therefore, it’s worth paying a little more for insurance to ensure that if you need to make a claim, you won’t have to pay hundreds of pounds out of your own cash before the insurance company will payout.
#4. How long does the contract last?
Another consideration in determining ‘how much does yoga teacher insurance cost?’ is the length of your coverage and how you pay for it. There are many different types of flexible insurance for yoga teachers available, ranging from monthly contracts to ones that last up to 24 months.
In general, the longer you commit to the contract, the cheaper the cost. If you are convinced that your present job role will not change much over the next two years, you can save money by signing a lengthier contract.
#5. Check their pattern of payment ( Monthly or annually)
Before choosing an insurance provider for yoga teachers in the UK, it’s important to understand their pattern of payment. Paying the whole cost upfront, like with almost all payment options, is usually less expensive than paying in monthly installments. Insurance providers frequently add interest to your monthly payments, so always read the fine print to find out precisely how much this interest is.
It’s understandable that not everyone can afford to make a single annual payment, and that’s perfectly acceptable! When comparing policies and costs, you only need to take interest rates into account.
#6. Yoga teacher insurance evaluations
It can be a huge relief when you find a policy that provides all of the necessary coverage and has a low excess fee! But don’t get too far ahead of yourself; no yoga teacher insurance comparison in the UK is complete unless you first read the company reviews. If yoga teacher insurance is cheap in comparison to the rest, there could be a reason for this.
The best thing to do is conduct some research on the firm to see what its customers have to say about things like customer service and whether or not they were struck with any hidden charges. Trustpilot is most likely the greatest review site available because it is a completely neutral platform where reviews are only published if a person has had a true experience with the firm.
On the other hand, there are many other reputable review sites out there; just make sure to check out the yoga teacher insurance reviews on an independent source rather than relying on potentially fraudulent evaluations on the company’s own website.
What’s the distinction between general and professional liability?
Before you begin looking for yoga teacher insurance, it’s critical to understand the many types of liability that are covered by these policies and why you need them. Ideally, your yoga teacher insurance policy will include both general liability and professional liability coverage.
General liability insurance is also known as “slip and fall” insurance since it protects you if one of your pupils gets injured during your lesson in a way that is unrelated to your instruction. General liability insurance, for example, will protect you if a student slips and falls on a wet floor or trips over something during your session.
Professional liability insurance, on the other hand, is commonly referred to as “malpractice insurance.” This form of coverage protects you against claims that attribute any harm or damage to your alignment cues, changes, or simply general sequencing.
No matter what form of yoga you teach, both of these plans are critical for yoga professionals and are frequently included in even the most basic yoga teacher insurance coverage.
Some Insurance Providers for Yoga Teachers
With the information so far, you’d agree with me that finding the best insurance company does not have to be a difficult task. There are a few tried-and-true insurance providers that have proven to be the most beneficial to both novice and experienced yoga teachers.
#1. AlternativeBalance
AlternativeBalance has four membership tiers to meet the insurance needs of yoga teachers, independent contractors, and businesses. Their membership benefits include liability insurance, business tools, waiver templates, exclusive partner discounts, and other perks.
Furthermore, they provide coverage for over 500 services as well as premium services for an additional cost. AlternativeBalance’s full list of covered and premium services may be found here.
Coverage Specifics includes:
- Total General and Professional Liability: $3 million
- Professional & General $2 million for each occurrence
- Aggregate Products-Completed Operations: $2 million
- Damage to rented premises: $300,000
- Expenses for Third-Party Medical Care: $5,000
- Personal and advertising injuries are both covered.
#2. NACAMS Insurance Plus
NACAMS provides professional and general liability insurance for over 350 specialities and modalities. They make liability insurance affordable for yoga teachers, reiki practitioners, massage therapists, physical therapists, personal trainers, and others. At the time of purchase, they provide instant coverage and evidence of insurance.
Additionally, members receive coverage for stolen equipment, identity protection, a free website, and exclusive product discounts.
NACAM Professional Policy Coverage Details:
- Professional & General Liability: $2 million for each occurrence, $3 million annual aggregates per individual
- $2 million in product coverage
- Coverage for Stolen Equipment: $1,000 *$250 deductible
- Teacher Resources and a Free Website
- Identity Protection
#3. Alliant YogaPro
Another yoga insurance provider for teachers is Alliant YogaPro. This is a collaboration between Yoga Alliance and Alliant Insurance. Alliant YogaPro insurance is designed to satisfy the needs of yoga teachers who operate as employees or independent contractors in a studio or at students’ homes or other locations. They provide different coverage choices for yoga studios, yoga schools, and small yoga companies in addition to individual policies for yoga teachers.
Unfortunately, only Yoga Alliance members in the United States and Canada are eligible to apply for insurance through Alliant YogaPro.
#4. BeYogi
This insurer provides full and part-time yoga teachers with all-inclusive yoga insurance. Their insurance packages cover you no matter where you teach, including live online streaming and pre-recorded films.
Massage, reiki, acro, and SUP yoga are among the 350 modalities covered by BeYogi’s insurance. Your coverage follows you wherever you teach, whether it’s in a studio, on a lake, or on the internet. Here are BeYogi’s full list of covered modalities:
Coverage Specifics:
- Professional/General Liability: $2,000,000 per incident / $3,000,000 annual aggregate
- Product Coverage: $2 Million in total annual coverage
- Rental Property Damage: $100,000
- Coverage for Identity Theft: $25,000
- Coverage for stolen equipment is $1,000 with a $250 deductible.
#5. Yoga Journal Teacher(Plus)
TeachersPlus insurance provides full-time and part-time insurance as well as membership choices. Membership offers online classes, premium content, benefits, discounts, and more, in addition to inexpensive yoga teacher liability insurance.
Full-Time (teaching more than 6 hours per week) Whereas
Part-Time (teaching less than 6 hours per week) both contain the following benefits:
- Coverage that is immediate
- Retreats, Workshops, and Private Clients Included
- Library of Curated Yoga Playlists
- Exclusive Content, Contests, Discounts, and More
Hopefully, we’ve helped you understand why you need insurance to teach yoga and how to select a reputable insurance carrier.
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FAQ’s On Yoga Insurance
What is the cost of yoga insurance?
What Is the Cost of Yoga Insurance? Yoga insurance policies with basic general and professional liability coverage begin at $129 per year or $12.50 per month. That works out to be as little as 39 cents each day!
What kind of insurance do I need if I want to teach yoga?
Yoga teachers must have both general liability insurance and professional liability insurance; the best option is to look for a policy that includes both forms of coverage. General liability insurance will shield you against third-party claims for bodily harm or property damage
Is it legal for me to teach yoga without a certification?
Because the yoga business does not enforce teaching criteria, you can legally teach yoga without being certified. However, the yoga business has trade and professional organizations that give accreditation, such as the Yoga Alliance, but such qualifications are voluntary.
Is it worthwhile to pursue a yoga certification?
If you want to teach and are willing to accept any compensation, I would say yes. Yoga teaching can be highly gratifying if you actually love yoga and don’t worry about money or are already making a good living. You might get lucky and create a following, attracting a large number of loyal students to your sessions, or you might not.
