Standard pricing and limits are as follows. The limit of coverage is $2 million per occurrence and up to $4 million aggregation. Please note that the final premium is subject to state of residence, selected insurance limits, and specific program affiliation pricing.
- Part time yoga instructors (who teach less than 6 hours per week) pay a total of $190 per year which includes $125 insurance and $65 TeachersPlus membership.
- Full time yoga instructor (who teach 6 hours or more per week) pay a total of $250 per year which includes $185 insurance and $65 TeachersPlus membership.
- Yoga studio prices depend upon a variety of factors (fill out this survey) plus $100 TeachersPlus membership.
It’s time for you to start taking the business of yoga more seriously and to adopt some of the legal protections that other health professionals already use. Avoid the threat of getting sued and protect your business with yoga liability insurance today.
How Much Does TeachersPlus Insurance Cost?
Part Time Yoga Instructors (Less than 6 hours per week)
Insurance $125 + TeachersPlus Membership $65 ($1,000 Value) = $190
Full Time Yoga Instructors (More than 6 hours per week)
Insurance $185 + TeachersPlus Membership $65 ($1,000 Value) = $250
Yoga Studios & Facilities
Yoga studio insurance prices depend upon a variety of factors ( fill out this survey) + TeachersPlus Membership $100.
NOTE: TeachersPlus Membership can be canceled within 90 days of purchase if you choose to forgoe the benefits valued at $1,000. Email email@example.com with the date of purchase and the exact name as it appears on the credit card used.
Why Liability Insurance?
Over 15 million civil lawsuits are filed each year in the U.S. and unfortunately, more and more are frivolous. Professional liability insurance is a nominal investment every instructor should make in order to protect themselves against the threat of litigation.
While we at Yoga Journal know that you have great intentions teaching yoga, we also know that you need to protect yourself from claims regarding accidents and other occurrences that can happen in your class, whether at a yoga studio, in a client’s home, or while you’re on an international yoga retreat.
Below are 5 reasons why you need liability insurance:
1. Someone could sue you if he or she slips, trips, or falls in your class or studio space.
If a student were to slip and get injured in your class, a lawsuit could happen. Even without the ‘fault’ on your behalf, an individual could still hold you responsible for their injury. Without insurance, you’d be financially responsible for fighting the lawsuit. If you have the protection of liability yoga insurance, you could be covered.
2. You could be held liable if someone gets injured from your alignment or adjustment.
Injury resulting from the physical practice of yoga is a high risk. Although you might carefully choose your sequence and offer a variety of modifications with props, a student could still get injured and you, the teacher, could get sued. Moreover, a student could claim that you did something inappropriate in class, such as taught a pose with incorrect alignment or gave an unsafe/unwanted adjustment. Either way, you could be held liable.
3. The cost of one year of insurance is cheaper than a few hours with most lawyers.
The basic coverage from Fitness and Wellness is $250 for a full-time yoga teacher and $190 for a part-time teacher (who teaches less than 6 hours per week). However, the hourly wage for lawyers can range from $50 – $1,000 per hour. Therefore, for less than $0.55 per day, depending on the case, you could have support and up to $2 million dollars of coverage for a single occurrence.
4. You cannot buy coverage after a lawsuit occurs.
Sometimes individuals want to wait and see what happens. Unfortunately, this doesn’t always work for everyone. While yoga related lawsuits are relatively uncommon, if you are uninsured and happen to get sued, you cannot buy coverage after the loss occurs. Therefore, protecting yourself with yoga business insurance can keep you safe before anything happens.
5. Coverage follows you wherever you teach, even internationally and with children.
You’re covered whether you teach at a yoga studio, fitness center, recreation center, someone’s house, or all of the above. You are even covered on international trips up to 30 days and while you work with kids. Your Fitness and Wellness Liability policy follows you wherever you teach.
In the end, your students’ choices are out of your control. Regardless of how much you train and prepare to teach yoga, you cannot control your students’ behavior and choices during your classes. While yoga is not meant to be competitive, students often still push themselves, and sometimes too far. In some cases, students want to learn more and grow, other times it’s a lack of knowledge. Either way, don’t you want to protect yourself? We suggest you make the investment in yoga liability insurance ahead of time to secure your career and financial future. Get yourself insured today.
Sharon A. Hoeger and Wener W. K. Hoeger, ‘Fitness and Wellness, 11th edition’
English | ISBN: 1285733150 | 2014 | 336 pages | PDF | 24 MB
Hoeger and Hoeger’s Fitness and Wellness, 11e encourages students to start their path to fitness and wellness by providing cutting-edge coverage of core concepts, real life student case studies, and action steps to help students develop their own personal lifetime fitness and wellness program. This brief nine-chapter text offers balanced coverage that concentrates on health-related physical fitness components with beneficial information about wellness. It also focuses on motivation and behavior modification with an emphasis on teaching individuals how to take control of their personal fitness, health, and lifestyle habits. In addition, Fitness and Wellness is part of an integrated textbook program that extends beyond the text to online resources that further students’ understanding through personalized learning plans, online labs, and tracking their behavior change progress.
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