Insurance for yoga teachers

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.