Why do I need yoga teacher insurance?
If you’re a yoga teacher, you need specialist insurance to protect you from unexpected incidents such as injury to yourself or another person or theft, loss and damage to your yoga equipment.
With Insure4Sport, you can create your yoga teacher insurance policy from a range of cover options including; Public Liability, Professional Indemnity, Personal Accident, Loss of Earnings, Equipment and Employers’ Liability.
Please note: If you’re unable to train clients in person, you’re covered to train classes of up to 30 people in live, or pre-recorded, online sessions. T&Cs apply >
What does yoga teacher insurance cover?
Public Liability cover against third party injury or property damage: Even with the most meticulous planning and preparation, injury is a genuine risk when teaching yoga. During one of your sessions, if you were to teach a yoga pose which causes injury to a participant, they could claim compensation from you.
This is why yoga instructors need Public Liability, which covers your legal liability for third party injury and property damage. Most venues you teach in will ask for proof that you have Public Liability before allowing you to hold sessions.
- Insure4Sport offers up to £10 million Public Liability cover.
- When you choose Public Liability you also receive up to £1 million Professional Indemnity cover, if someone from your class injures themselves after one of your sessions, following advice you’ve given.
Personal Accident cover if you require treatment: The balance, strength and agility required to perfect yoga exercises means there’s always the possibility of sustaining an injury.
If this happens, you need Personal Accident cover, which compensates you if admitted to hospital or require physiotherapy for your injuries. Personal Accident cover also provides a benefit for accidental death, broken bones and permanent disablement.
- With Insure4Sport, you can get from £10,000 to £50,000 Personal Accident cover.
- On top of our Personal Accident cover, we also offer Loss of Earnings cover up to £750 a week for up to 52 weeks, meaning you’ll be financially supported if you’re out of action.
Compensation for equipment repairs and replacements: All manner of things can happen to your equipment, leaving you unable to teach if you don’t have specialist yoga instructor insurance.
The sound system and speakers you use to stream songs during classes could be stolen or lost. What’s more, you could damage your sound system by dropping it, or it could suffer an electrical fault and stop working. Thankfully, these scenarios are covered by our yoga insurance.
- Our Equipment cover protects you against loss, theft or damage of your equipment – whether at home, at work or whilst in use.
- We’ll cover the replacement of your insured equipment on a New-for-Old basis, provided it’s less than a year old and was purchased new, and will pay for repairs up to the limit stated in Your Insurance Schedule.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.
insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
for over 200 sports
Get FREE business support and training tips straight to your inbox!
Please fill in all fields below.
Please supply a valid email address.
Please confirm your preferences by selecting from the options below.
Our free email newsletter is bursting at the seams with offers, business advice, guides and tips to help keep you and your business performing at its peak.
Your data is safe with us and you can unsubscribe at any time.
We'll be in touch soon