Why Liability Insurance?

NACAMS Insurance Plus

Compare Insurance Providers

Insurance Application

Why do yoga teachers need liability insurance?

Beautiful woman is working out

While you may not have considered it, professional insurance is an investment every yoga teacher should make.

Why? In simple terms, insurance is relatively low cost (especially when compared to the price tag of an average lawsuit); it will allow you to work in venues that require individual yoga instructor professional insurance; and having yoga liability coverage will protect you from claims regarding accidents and other occurrences that can happen in your yoga studio.

General Liablity Insurance

In fact, a primary form of insurance that a yoga teacher policy includes is general liability insurance. This type of insurance, also known as “slip and fall” insurance, is the kind that almost every business wants and needs. If someone slips on a small spill and suffers an injury, for instance, a lawsuit can happen. This type of accident can happen anytime, anywhere, and any business that allows a customer on the property is a candidate for such a claim.

Yoga, of course, is also a physical activity. Anyone who has ever gone to a yoga class knows this. As a result, the potential for physical injury is high. In your yoga class, you likely have a wide range of physical health and natural agility among your students. If you have a student who is just getting back into shape and that student gets injured, you, the teacher, could be sued. It may not be your fault, but if the injury happens during your yoga class, you can still be singled out for a claim.

Professional Liability Insurance

If a student claims you did something inappropriate in class – gave incorrect instructions or over-corrected a student’s posture in a pose – then the professional (malpractice) portion of the insurance would protect you. Even the best yoga students can, and sometimes do, push their physical limitations. You may give excellent instruction, but they may ignore you and subsequently injure themselves. You may not be wrong, but it won’t matter if they decide to sue you. You will literally have to pay to go through the process – unless you have yoga instructor insurance. Checkout our Insurance Guide.

It’s worth noting that yoga studio insurance will usually provide some form of general liability coverage, but remember that yoga studio insurance doesn’t cover you, the individual yoga instructor. As a result, you may still be sued and found liable.

Securing insurance is really the only way to make sure that you’re completely covered in any space. Remember, too, that if you’re ever a guest yoga instructor at another location, you may need your own liability coverage in order to conduct your class there.By enrolling in a quality yoga insurance program, you can have additional peace of mind, knowing that you have the all of the coverage you need in case of the unexpected.

APPLY NOW

Get insured with NACAMS today!

APPLY NOWClick here to get instant yoga liability coverage or call 8009640158 for more information about our program.

Get Insured with NACAMS Insurance Plus

NACAMS Insurance Plus

Insurance for Yoga Instructors

NACAMS members receive access to the most comprehensive, affordable yoga insurance coverage and member benefits in the industry: Insurance Plus. Unlike most other providers, we provide complete liability coverage for more than 350 health, wellness, and beauty modalities, many of which are offered in supplement to yoga.

At NACAMS, you can rest assured knowing you have:

  • Full liability protection
  • Peace of mind
  • Professional benefits

And we offer one low rate of $159 per year—no additional fees—even if you practice multiple disciplines like yoga, Pilates, and massage!

In addition to these benefits, each yoga instructor receives instant coverage and proof of insurance as soon as their transaction is complete.

  • Acu-Yoga
  • Amrit
  • Ananda
  • Anusara
  • Ashtanga
  • Baptiste
  • Bhakti
  • Bikram
  • Chi Kung
  • Hatha
  • Instruction
  • Integral
  • Integrative
  • ISHTA
  • Iyengar
  • Japa
  • Jivamukti
  • Jnana
  • Kali Ray TriYoga
  • Kharma
  • Kripalu
  • Kundalini
  • Laughing
  • Naam Yoga Therapy
  • Phoenix Rising Power
  • Power
  • Prenatal
  • Raja
  • Restorative
  • Sivananda
  • Svaroopa®
  • Viniyoga
  • Vinyasa
  • White Lotus
  • Yin
  • YogaFit® Personal Training

NACAMS Professional Policy

$159yearly
  • Professional & General Liability Insurance:
    $2 million per occurrence,
    $3 million individual annual aggregate
  • Product Coverage: $2 million
  • Rental Damage Insurance: $100,000
  • Identity Protection Plan
  • Stolen Equipment Insurance: $1,000
  • PLUS Free Professional Website
  • PLUS Exclusive Member Discounts

Yoga Insurance Comparison Grid

Benefit

NACAMS Insurance Plus

Yoga Journal

NAMASTA

IDEA Fit

Sports &
Fitness Insurance

Alternative Balance

Yoga Alliance

Annual Fee $159 $250
includes $65 member fee
$305/ $404
includes $100/ $199 member fee
$304 
includes $119 member fee
$230 $199/ $229 $183/ $233
includes $55/ $80 member fee
Student Fee $25 No No No No $169 No
Hour Qualification No Yes Yes No No Yes Yes
Immediate
Coverage
Yes No No No No Yes No
Professional Liability Insurance $2 million per occurrence /
$3 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
$2 million per occurrence /
$3 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
General Liability Insurance $2 million per occurrence /
$3 million individual annual aggregate
$2 million per occurrence /
$3 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
$2 million per occurrence /
$3 million individual annual aggregate
$2 million per occurrence /
$3 million individual annual aggregate
$2 million per occurrence /
$4 million individual annual aggregate
Products Individual Annual Aggregate $2 million $1 million $2 million $1 million $1 million $2 million $1 million
Rental Damage Coverage $100,000 $100,000 $100,000 $100,000 No $300,000 $100,000
Coverage Follows You Everywhere Yes Yes Yes Yes Yes Yes Yes
Stolen Equipment Coverage $1,000 ($250 deductible) No No No No $2,000 ($150 deductible) No
Identity Protection Yes (see details) No No No No Yes No
Free Professional Website Yes No No No No No No
Occurrence Form Coverage Yes Yes Yes Yes Yes No No
NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information.
APPLY NOW

Get insured with NACAMS today!

APPLY NOWClick here to get instant yoga liability coverage or call 8009640158 for more information about our program.

Industry Facts

  • It is estimated around sixteen million North Americans practice some form of yoga.
  • Yoga had been practiced in India for centuries, but it has been practiced in the United States since the late 19th century.
  • In 2005, the North American Studio Alliance (NAMASTA) estimated there were 70,000 yoga teachers in North America.
  • The number of yoga-related injuries treated in hospital emergency rooms almost doubled from 2010-2013, according to the National Electronic Injury Surveillance System (NEISS).