Having yoga insurance is like having auto insurance. It’s important and wise to have it, it’s something you most likely won’t have to use very often (or ever) but it’s a peace of mind and safeguard should something happen.
Yoga might not be as intense as football, but it’s still a physical activity, and any kind of physical activity puts students and practitioners at risk of injury, even if you do your best as a yoga teacher to prevent those injuries from happening.
This is where yoga insurance comes in. Just like car owners, anyone who teaches yoga should have insurance. You wouldn’t drive a car without insurance.
There are a lot of options out there, and you might be wondering how to know which yoga insurance is right for you.
Read on for a few things to consider when you’re shopping for yoga insurance so you can have the peace of mind knowing you made the right decision and are covered if and when you need it.
Here Are 5 Things About Yoga Insurance Coverage That Yoga Teachers Need to Know:
1. What Does Yoga Insurance Cover?
Many insurance plans that pertain to physical exercise will not cover yoga, and if they do, they will most likely only offer general liability. The best is to go straight for an insurance provider who focuses on yoga-related professions such as beYogi Insurance Plus.
In addition to your professional liability, you also need to consider the equipment you use to teach your students and classes, such as props, mats, stereo, etc. Many yoga insurance coverage plans do not include identity protection either.
Before you pick an insurance company and plan, make sure you know exactly what it covers and how much you’re able to receive if an incident does occur.
2. Where Does Your Yoga Insurance Cover You?
Many yoga studios have insurance for their teachers (which is great!), but only when teaching within the studio. So, if you decided to teach a class outside at a local park, you wouldn’t be covered by that policy.
Purchasing yoga insurance means you don’t have to worry about being covered no matter where you are teaching. You also don’t have to depend on studios for coverage so you are able to teach outside workshops, events, and private students with full coverage.
Before signing up for a yoga insurance plan, opt for the one that covers you everywhere you teach so you have one less thing to worry about.
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3. Does Your Yoga Insurance Protect You for Other Services and Practices?
Besides making sure you are generally covered as a yoga teacher, you also want to make sure your yoga style is included in the list. It’s also worth asking about other kinds of services you might offer to complement your practice.
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If you’re also a massage therapist, a Pilates teacher, or a Reiki practitioner, make sure those services are covered at no extra cost. Instead of having three different insurance plans for three different services that you offer, invest in an insurance plan that covers all of the services that you practice.
4. Does Your Yoga Insurance Offer Member Benefits and Support?
Everyone loves extra support! Look for a provider that offers other ways to help you in addition to yoga insurance coverage. For example, the beYogi Insurance Plus insurance plan includes 7-day customer support, a free professional website and discounts to your favorite yoga brands.
5. Is Your Yoga Insurance Reasonably Priced?
Now that you know what is important to look for, it’s time to compare rates and offers so you can find the best insurance that fits your needs. Be careful not to fall into the rate/quality ratio . . . how expensive a yoga insurance plan is doesn’t mean it offers the best value.
Also, be sure to ask if the insurance company requires you to pay extra membership fees (like initiation or renewal etc) besides the monthly or annual plan.
When You’re Looking for Yoga Insurance, Make Sure You Ask the Right Questions
So, there you have it! While every yoga teacher has different needs, these 5 questions will help you navigate through the options out there to find which yoga insurance policy is best for you.
Take your time to understand what you need, what each yoga insurance plan offers, and make your decision based on what best meets your unique needs.
For a limited time, our friends at beYogi are offering YogiAproved.com readers $30 off your annual premium, dropping the annual cost to $149. Learn more here