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What is Professional Liability Insurance for Yoga Instructors?
Liability insurance isn’t only for medical professionals. In these litigious times, Yoga Instructors are encouraged to carry professional liability insurance (or malpractice insurance) to safeguard their yoga practices as well. If a client files a complaint or lawsuit, Yoga Insurance provides unlimited defense coverage to protect your career and assets.
Why take out your own Yoga Insurance policy (even if you’re a W2)?
As a Yoga Instructor, you know your job is unique. You’ve worked hard to turn your lifestyle into a career, and unlike a desk job, this line of work comes with a particular set of potential liability exposures.
For example, an inexperienced client of yours may need alignment or modification during the session which could result in an injury. Even though you’ve mindfully chosen an appropriate sequence, they may potentially sue you for their injury. Whether their claim has merit or not, yoga insurance for certified professionals will provide unlimited legal defense and pay the amount the court awards to your client up to the limits of your policy.
Why is having an individual policy of your own important? Your facility’s insurance policy may provide coverage, however if multiple employees are named in a lawsuit, the policy defense costs will be shared amongst everyone named including the facility, potentially leaving you without the necessary coverage to pay all of your attorney fees.
Secondly, if you are an independent contractor at a facility, you may not be included on their policy. While it’s common for W-2 employees to be covered under the group policy, contractors should not assume coverage. Getting an individual yoga insurance policy is easy and can be as low as $85 for the year.
Thirdly, a studio’s policy will not cover work you do on your own outside of the studio. Having an individual policy will cover private services you may provide outside of the gym.
Our coverage is catered to Yoga Instructors:
Professional liability insurance for yoga instructors is extremely important due to the high risk of injury that occurs when training the human body, and with the uncertainty of coverage under your facility’s insurance, it’s even more important to have your own individual policy. It’s peace of mind, it’s confidence, and a quote is just a few clicks away.
Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.