Teaching yoga can be fulfilling, and you may be an expert. Still, it also involves physical activity that can lead to unexpected injuries. Personal accident insurance provides financial protection in case of accidents that result in injury both during work and outside of your practice time in your social life. This cover helps manage medical expenses, rehabilitation costs, and lost income during recovery. Given the physical nature of yoga instruction, having personal accident insurance protects you against unforeseen circumstances, allowing you to focus on your practice and students without worrying about the financial impact of potential accidents.
Yoga instructor insurance
Just as in yoga, where 'Child's Pose' provides a sense of security and 'Mountain Pose' offers stability, yoga instructors can find their form of protection through insurance.
While guiding clients on their path to wellness, unexpected events, including personal accidents, can arise. Insurance provides reliable support, steadying you against potential legal claims. Some studios, venues, or clients may even request proof of insurance.
With insurance as your foundation, you can focus on your practice without worrying about legal, financial or accidental uncertainties, creating a serene and secure teaching environment for you and your students.
Yoga teacher insurance cover arranged by OxygenTM features a range of benefits, including:
- Comprehensive yoga insurance cover from as little as £1.79 per week, (or £1.36 if you are a student).1
- Up to 20% discount for members of all recognised professional associations, such as the CNHC – Complementary and Natural Healthcare Council.
- £10 million of public liability insurance when you take out professional indemnity and malpractice cover.
- Personal accident cover can be added to protect you if you have an accident or are injured.
- No excess on the core wellbeing insurance.2
- Oxygen's award-winning customer service.3
- Trusted by over 15,000 wellbeing and therapy customers.
- Underwritten by well-known UK-based insurer for financial security.
- 24-hour commercial assistance and legal helpline.
Plus, key optional extras, if required, can include:
- Employers liability insurance
- Cyber insurance
- Management liability insurance
- Contents insurance
- Legal expenses.
Cover can also include cognitive behavioural therapy and life coaching (at no extra cost).
Get a yoga teacher insurance policy now
Buy online today using our quick quote and buy – our experts are always on hand to support you.
What type of yoga instructor insurance do you need?
It's essential to have professional liability insurance policies to protect yourself and your yoga business from specific risks.
As a yoga instructor, you may need the following protection:
- Public liability insurance cover to protect against potential client injuries on your premises.
- Professional indemnity cover to safeguard you if a client files a lawsuit alleging negligence or malpractice.
- Personal accident insurance protection if you're unable to work through accidental physical injury sustained while you're practising or outside of work.
- Business equipment insurance to cover the cost of replacing the tools and kit you need to do your work if they're lost or damaged. For example, your sound system or mats.
- Legal expenses insurance to cover legal costs and legal fees involved for incidents such as contract disputes, tax protection and debt recovery.
What does insurance for yoga teachers typically cover?
Public and product liability: As standard, we provide £10 million in insurance covering your public liability if you take out professional indemnity and malpractice cover. This ensures your protection in case of accidental bodily injury or property damage resulting from negligence, like a client or student experiencing a trip-and-fall incident within your practice space, whether at home, in your workplace, or on other premises.
Professional indemnity and malpractice: This insurance safeguards against claims related to your work as a yoga instructor. Suppose a client alleges that your actions or guidance resulted in their injury or illness. In that case, you may need to defend your teaching methods and approach. It offers civil liability, not just for professional negligence, giving you peace of mind. There are five levels of cover to choose from, ranging from £1.5 million to £10 million.
Personal accident: Without insurance, you may face substantial income loss if you cannot service your clients due to an accident—either sustained while you're working or outside of your professional practice. Not to mention any potential medical expenses you may incur. Personal accident insurance is an optional upgrade that provides financial support, ensuring you can cover your expenses and maintain your quality of life while you recover. There are three levels of cover available:
- £5,000 death and injury lump sum or £50 weekly benefit.
- £10,000 death and injury lump sum or £100 weekly benefit.
- £25,000 death and injury lump sum or £250 weekly benefit.
If you require higher cover limits please speak to one of our advisors who can arrange an alternative quotation.
Complaints and disciplinary hearings: You'll receive special assistance responding to a complaint made against you to your professional body or regulators. We're here to support you, including giving specialised help in preparing your response and legal representation at or leading up to disciplinary hearings.
Crisis containment: Get up to £25,000 coverage for managing and mitigating crises specific to your yoga teaching approaches. As a yoga instructor, you might face situations that could harm your reputation or financial stability. This cover helps with crisis management expenses, public relations, legal support, response planning, and reputation protection.
Directors and officers liability: If you're a limited company, you'll receive up to £100,000 cover for key individuals facing allegations of personal wrongdoing. This protects directors, officers, partners, and other leaders in case of accusations like breach of duty, trust, negligent errors, defamation, or health and safety failure.
Transfer of client records: Get up to £5,000 for assistance with destroying or transferring client files to another business, providing the same business activities as you, in the event of your death or you suffer disablement which totally prevents you from working and without prospect of improvement.
What's not insured?
- Public and products liability insurance claims brought in US or Canadian courts are excluded.
- Professional indemnity insurance claims brought in US or Canadian courts are excluded. The policy can be extended to include US/Canada jurisdiction – price and options are subject to terms and conditions.
We’re always transparent about what’s included or excluded in the business insurance we arrange. Please note that this list above is not exhaustive, and as with all insurance, terms, conditions, and exclusions apply. Please contact us for full details.
Why choose Oxygen™ for your protection?
As a yoga instructor, we know you're focused on guiding your students and clients through yoga poses and breathing exercises to improve their physical and mental wellbeing, enhance flexibility, reduce stress, and promote relaxation. However, as rewarding as this can be, it also presents risks to you and your business. Having the right insurance policy that offers the necessary protection is essential.
Relax because our cover aims to give you peace of mind, for you and your business, including:
Protection: Our professional liability insurance protects you so you can focus on your yoga training.
Professional advice and support: Throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We're here to support you should you need to make a claim.
Saving you time: Getting a quote and buying your insurance online is quick. If you'd prefer to speak to a member of our experienced team, we're here to give you the help you need whenever and however you need it.
Trusted and dependable: Award-winning Oxygen™ is part of Marsh, the world’s leading insurance broker and risk advisor. We use our size and scale to negotiate comprehensive and competitive insurance for your benefit. Working with trusted AA+-rated insurers to underwrite the cover ensures they have financial stability and are dependable in the unfortunate event of a claim.
1. How we work out example prices. Customers will pay £92.32 a year for professional indemnity of £1.5m if they are also a member of one of the recognised professional bodies that receive 20% discount from us. £1.79 per week is based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. This is the prices from amount as customers have the option of increasing their level of cover and therefore may pay more than this.
2. No excess applies to the core therapists insurance (public liability, professional indemnity, employers liability, directors and officers), however, for any additional insurance taken certain excess may apply. Please contact us for details.
3. In 2023, Oxygen™ proudly received the Feefo Gold Trusted Service Award for excellence in customer service.
Frequently asked questions
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Yoga instructors need insurance to safeguard against risks while delivering their services. It covers the defence costs for claims like poor advice, malpractice, negligence, and injury or property damage during a class.
This insurance is often needed to meet professional body membership or contractual agreements with businesses.
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Yes, yoga instructors need professional indemnity (PI) insurance to cover the advice given to clients during classes. PI may often be a requirement for professional body membership and contractual agreements with businesses such as gyms, fitness studios, health clubs or other facilities.
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It's difficult to recommend a specific cover level for a yoga instructor. There are five levels of cover to choose from, ranging from £1.5 million to £10 million. Your broker can advise you, but selecting the highest cover you can afford within your budget is recommended.
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Yoga instructor insurance price is determined by your specific situation and any additional optional cover you include. Generally, it begins at £93.42 annually, but the best approach is to request a free, no obligation quote to obtain an accurate cost estimate.1
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The insurance yoga instructors need depends on their situation. Typically, they'll require public and product liability, as well as professional indemnity insurance.
Your broker may suggest additional cover, such as cyber insurance, cover for contents such as speakers or computer equipment, and employers liability if you employ staff. If you have your own premises, you may also need yoga studio insurance.
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We provide discounts for members of the following professional bodies:
- ABP – The Association for Business Psychology
- AC – The Association for Coaching
- ACC – The Association of Christian Counsellors
- ACP – The Association of Child Psychotherapists
- APHP – The Association for Professional Hypnosis and Psychotherapy
- Barefoot Coaching
- BACP – British Association for Counselling and Psychotherapy
- BABCP - British Association for Behavioural and Cognitive Psychotherapies
- BPC – British Psychoanalytic Council
- BPS – British Psychological Society
- CPD – Chartered Institute of Personnel and Development
- CMC – Civil Mediation Council
- CNHC – Complementary and Natural Healthcare Council
- CoM – College of Mediators
- COSCA – Counselling and Psychotherapy in Scotland
- CORST – College of Sexual and Relationship Therapists
- EMCC – European Mentoring and Coaching Council
- FMA – The Family Mediators Association
- GHR – General Hypnotherapy Register
- HCPC – Health & Care Professions Council
- ICF – International Coach Federation
- NCH – The National Council for Hypnotherapy
- NCS – The National Counselling Society
- PTUK – Play Therapy United Kingdom
- UKATA – The Association for Transactional Analysis
- UKCP – The United Kingdom Council for Psychotherapy.
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- Aromatherapy
- Art therapy
- Bowen Technique
- Business coaching
- Business executive coaching
- CBT
- Coaching
- Cognitive Behavioural Therapy (CBT)
- Counselling
- Cupping
- Dyslexia coaching
- Education consultancy school inspections
- Equine assisted therapy
- Health and lifestyle training
- Homoeopathy
- Hypnotherapy
- Life Coaching
- Management consultancy
- Massage
- Mediation
- Mentoring
- Music therapy
- Naturopathy
- NLP
- Nutritional therapy
- Pilates
- Psychology
- Psychotherapy
- Reflexology
- Reiki
- Some alternative therapies
- Spiritual counselling
- Sports massage
- Stress management
- Thai Chi.
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Our portal provides 24/7 access to your account and policy documents.
The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach.
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Yes. All new policies sold online and renewals can be paid for by Debit and Credit Card. Some policies have an option to pay by finance which is offered via Close Brothers Premium Finance.
Whilst not offered online, some Insurers may also offer a direct debit. Please contact us if you wish to learn of different methods of payment and whether Direct Debit is offered.
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We make individual client administration charges per policy (up to a maximum of 3 policies, per policy period) to cover the costs associated with administering your insurances e.g. arranging a new policy, carrying out short-period or mid-term cancellations, mid-term changes, providing replacement or duplicate documents and for other administrative tasks. We will advise you of the amount of fee before you become liable to pay it. Individual charges will not be made in relation to employee benefit related products.
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Our portal provides 24/7 access to your account and policy documents.
The portal enables us to be more environmentally friendly as we reduce the amount of printed policies and adopt a digital approach.
To access your documents, simply log into your Account, click on "Your Policies" and then select the "View" button on the policy. From here you can download the document if needed.
Please note that under your account, there is a button titled "Documents". This button is for uploading documents and not for accessing your policy documents.
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Yes. You can manage your policy renewal online. We will inform you by email within 28 days before your renewal date and upload all your renewal documentation onto the portal for you to review.
If you have not heard from us prior to the renewal, please check your documentation carefully in case there has been a change to your circumstances to prevent accidental underinsurance or a gap in cover.
You can also make payment online for your renewal by card and where applicable by Premium Finance or Direct Debit. If you had paid your previous years policy by Direct Debit, please contact us as it is not uncommon for renewals on Direct Debits to renew automatically.
Please don't assume your policy has been renewed until you have received confirmation in from us.
If you are concerned about your policy, please call us prior to the date of renewal and one of our Team will be happy assist you.
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Unfortunately you can not make changes online. If you need to make any changes to your policy please contact us on 0333 0609 687.
Any cancellation will also need to be handled offline. Please note that all policies are contracts and there may be stipulations that could affect any refund amount due. Such examples include:
- Any claims made within the period of insurance (excluding claims made in previous years unless made under Professional Indemnity or claims that have been settled as non fault or where the claim has been settled with no payment being made)
- The Insurers terms and conditions stated within the Policy Wording states that any cancellation in cover are non refundable.
- Some Insurers may place a condition that if a refund is below a set amount, there will be no refund due to processing fees.
Should you wish to discuss this in more detail or to check if any of the above applies to your policy, please contact us and one of our Team will advise you accordingly.
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The knowledge that experienced claims professionals will support you is just as important as the policy cover.
Our dedicated in-house claims team will be by your side, fighting your corner from start to finish. We promise to be there when it matters most.
Alternatively you can call us on 0330 818 7677, and speak to our team of experts who will be on hand to provide the best solution and guide you through the next steps.
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Legally, you must have employers liability cover in place from the day your practice starts employing staff. There is limited exceptions to this, for example if you only employ immediate family members (see: www.gov.uk/employers-liability-insurance). Whether paid or not, you are at risk of legal action from the moment you have any person for whom you are responsible. Even if you employ family members, having employers liability insurance is typically still recommended to help protect you.
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A "To Whom It May Concern" certificate of insurance is a document that provides proof of insurance coverage to a third party. This type of certificate is often requested by individuals or organisations that need verification of a business's insurance policies, typically for purposes such as contracts, leases, or compliance with regulations.
It is important to note that a certificate of insurance is not a contract and does not alter the terms of the insurance policy. It merely serves as evidence of coverage and does not guarantee that a claim will be paid.
The TWIMC Certificates have to be manually generated and in adherence with the levels of cover that you have purchased and are available upon request. Should you wish to receive a TWIMC, please contact us on 0333 0609 687.
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Any business that has employees, whether full-time, part-time, or temporary, is required to have employers' liability insurance. It provides coverage for claims made by employees who suffer injury or illness as a result of their work.
In the UK, it is a legal requirement and mandated by the Employers' Liability (Compulsory Insurance) Act 1969.
While self-employed individuals without employees do not need this insurance, those who hire subcontractors or have staff must obtain it.
If a business has volunteers or family members helping out without formal employment, they may not be covered under the employers liability insurance, but it could be wise to consider coverage for them as well.
Any people who are under the Care, Control, Instruction or Supervision of an Oxygen client would need to have Employers Liability Cover.
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Your Sum Insured will normally be the gross amount covered under a particular section of cover such as Contents. Where the cover is Liability, you will find the Sum Insured is replaced with an Indemnity Limit. The indemnity limit is the maximum amount you can claim under the insurance during the annual period of cover. It is important to understand that Insurers will cover you either for Any Claims Made or on Aggregate. Any Claims Made will mean that you are insured up to the indemnity limit and you can make as many claims as long as they do not exceed that limit. Aggregate on the other hand is where this limit is reduced each time a claim is made.
For example you if you hold £1,000,000 cover and have it on Any Claims Made basis, you can claim as many times as you need as long as the claim does not exceed £1,000,000. If you were to have it on an Aggregate basis and were to make a £750,000 claim, you would only have £250,000 cover left.
Should you wish to discuss this in more detail or to check if any of the above applies to your policy, please contact us on 0333 0609 687.
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The policy includes legal defence following a complaint or claim made against you, optional legal expenses cover is available for you to pursue legal matters for yourself e.g. Tax disputes, Contract disputes but this type of cover is an optional cover and not included as standard.
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Worldwide cover excluding USA & Canada jurisdiction and clients living in Trade sanctioned countries with the UK.
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Should you have any further enquiries, call an one of our dedicated team experts now on 0333 0609 687.
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