Insurance for Yoga Instructors in Australia

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 or yoga teachers. These policies would include combined Professional Indemnity insurance PI /Medical Malpractice and public liability which is a must for every worker in the healthcare profession.

Professional Indemnity / Medical Malpractice

For example, your client complains and sues you as they hurt themselves in one of your classes. You can turn to your professional indemnity PI insurance / medical malpractice policy that may cover for mistakes on the advice you provide, the cost that comes with a legal battle.

Public Liability Insurance

As a Yoga teacher or instructor, you are liable for any third-party injury or damage arising from conducting your business in various locations. This can be incidents like slips and falls. Public liability cover may help you in these instances.

Product Liability Insurance

Part of your work you sell or supply products. Product liability insurance may be your protection you from any personal injury or damage caused by your goods. If a client makes a claim against you for developing an irritation, products liability insurance may cover the compensation costs.

Other business insurance products for Additional Protection

Risks for Yoga Instructors and the entire health industry are not only related to practice but to business operations as well, depending on the size of your business. For business owners, you may get protection from the additional insurance policy that can assist your business as it grows.

Management Liability

Is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit and statutory fines and penalties.

Business Insurance

This may cover equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business interruption, for the potential loss of income, under certain sections of the business policy.

Tax Audit Insurance

Whether you run a large or small business or work as a contractor, this may cover for tax auditing by the ATO.

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This policy covers you from data theft.

Workers Compensation

Workers’ compensation is vital protection for costs related to an injured employee during operating hours.

Personal Accident and Illness Insurance

This is for every individual who is taking the time to recover from an injury or illness and unable to work.

Why do yoga instructors need insurance cover?

A Yoga Instructor 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 as coverage for the costs of such claims. This is where Sparrow Insurance comes in.

Why Yoga Instructors Choose Sparrow Insurance

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


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 insurance policies that you would need and this could mean additional cost.

I only have two yoga instructors as staff, do I need workers compensation as policy?

Aside from professional indemnity and public liablity insurances, you may need workers compensation which is mandated in Australia. But please note that there are certain rules and regulations that are unique in every state or territory. Get guidelines and information from insurance brokers and local authorities in your state.

How do I make a claim?

We understand that having a claim is very stressful, that is why Sparrow Insurance has a designated team that is dedicated to walking you through the process