Insurance for Yoga Instructors

Secure a protective cover in place to lessen financial worries in events of mishaps and accidents

If you’re a yoga instructor contracted by a gym or if you run a yoga studio, you are at risk of various situations that could land you in a tight spot. Whilst providing sessions for mental and physical health, there are times when things go wrong.

A client might make claims of negligence on the techniques you provide or on injury or accidents while at your studio. Adequate professional insurance policies would help your profession or operate your business with peace of mind. 

What insurance policy do yoga instructors need?

There are three main policies for yoga instructors. These policies would include combined professional indemnity insurance (PI), public liability, and products liability.

Professional Indemnity Insurance

Let’s say a client files a complaint alleging your techniques to have caused him injury, and you were required to compensate and cover treatments. This policy helps you cover the cost. Professional indemnity (PI) insurance protects you from any incident’s financial burden from alleged negligence.

Public Liability Insurance

This policy protects you and your business against the cost of third-party injury or property damage arising from your business activities. Say someone visiting your studio falls and suffers an injury—this policy compensates for this person’s treatment.

Product Liability Insurance

Yoga instructors may also sell or supply products. If someone alleges your product to have caused injury or damage, this insurance protects you from financial liabilities. With public and products liability insurance, you can cover legal costs as well.

Other insurance covers for additional protection

Apart from combining product liability, professional indemnity and public liability, cover your profession and small business with additional policies.

Business Insurance

This policy protects your business and assets. It covers damage to yoga equipment from accidents like fire and theft. It also protects you from losses when your business cannot operate due to an insured peril. You may also cover damage to money if you keep cash or portable items like laptops and computers on the premises.

Cyber Insurance

Business owners like you might keep digital records of client information, so you must consider a data breach risk. When someone hacks into your system and steals client information, you turn to this policy.

Why do yoga instructors need insurance cover?

A yoga teacher like you is at risk of various untoward incidents. Imagine a client suing you after developing chronic body pain, which he claims to have resulted from the technique you taught him. He wins the case, and you are required to pay for his treatment and rehabilitation plus loss of income. 

It would help if you had an insurance solution to cover the costs of such claims. This is where Sparrow Insurance comes in.

Why yoga teachers choose Sparrow Insurance

Insurance solutions for yoga instructors are quite difficult to find, but Sparrow Insurance makes everything easy for you.

Our network of insurance brokers in Australia will offer insights and recommendations on suitable policies fit for you as a yoga instructor.

If you are set with the insurance in mind, request online quotes now.

FAQs

How much does this insurance cost?

The cost would depend on the level of cover you get. If you run a yoga workshop and employ staff members, there may be additional business insurance policies that you would need and this would mean additional cost.

I only have two yoga instructors as staff in my business, do I need a workers compensation insurance?

Workers compensation insurance is mandated in Australia, but please note that there are certain rules and regulations that are unique in every state or territory.

How do I make a claim?

Whilst details on how to make a claim are shown in the policy wording we give you, we understand that it could be stressful to just read through it. Let our team can assist you with further questions.