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Insurance for Yoga Teachers

Instant yoga trainer insurance that combines professional indemnity, public liability and products liability

Starts from $287 per year

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What is covered under the yoga teachers insurance policy?

Yoga teachers insurance under the allied health professionals insurance covers yoga instructors, yoga therapists, yoga studio owners and is designed to include professional indemnity, public liability and products liability.

This insurance is suitable for yoga teachers working remotely, online, at home, in a studio as an instructor and owners of a yoga studio.

The policy can cover yoga teachers that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your yoga service against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your yoga service in the course of providing your services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your yoga business in Australia for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your yoga business.

Defamation

Protects you and your yoga training business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of the yoga teacher insurance policy

Contract Review

This entitles you to four contract reviews each year you have your yoga teacher insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

cover for all situations

This yoga insurance extends cover to the following listed locations:

Council park
Beach or foreshore
Client home or gym
Retirement community gyms
Schools, colleges and universities
Fitness centres/facilities
Boutique fitness centres
Corporate fitness centres (when training company's employees)
Pay-a-fee studios when working as an independent yoga instructor

In addition to your regular work, this insurance covers your yoga business at:

Outdoor bootcamps
Own home based gym
Client's home
Online workout
Home garage workout (during COVID-19 lockdown)
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events covered
Physical Injury

While attempting the Salamba Sirsasana (or the headstand pose) during a yoga workshop, your client ends up causing serious damage to their neck. They blame you for not helping them find the right way to do the pose.

Trips, Slips and Falls

While attending a pregnancy yoga class, a client slips in the recently cleaned bathroom that did not have a caution sign.

Negligence

During a hot yoga class, a client faints and injures their head. The client now wants to sue you for an excessively high room temperature.

Error of Judgement

An incorrect adjustment to a former yoga student's posture leads to a severe back injury, ensuring they can’t continue their job as a construction worker.

Bad Professional Advice

Your student injures their shoulder while attempting the Eka Hasta Bhujasana (elephant pose) and accuses you of not teaching it properly

Third Party Damage

After renting a studio at a yoga retreat in Bali, one of the yoga students has fallen through a wall as they completed a handstand, leaving some permanent wall damage.

exclusions

What is not covered (exclusions) under the yoga teacher insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Personal Trainers
See More
Pilates Instructors
See More
Sports Trainers
See More
Dieticians
See More
Nutritionist
See More
Other 20+ fitness Professions
See More
how upcover works

How upcover works

To get your instant policy quote, all you need to enter is your occupation as a yoga teacher and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get yoga teacher insurance to win that client or to conduct some classes at your new personal training gig, having a certificate of insurance at your fingertips certainly helps!
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With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, yoga insurance is the perfect solution for yoga instructors and yoga studio owners.
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FAQs

You asked, We answer

Why is yoga teacher insurance important?

Being a yoga teacher is a very fulfilling profession - you’re helping others lead a more balanced life, helping them go within and find peace. However, it is also true that mastering yoga involves hours and hours of intense training you impart as a yoga instructor.
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This leaves scope for mistakes. Miscalculation of an alignment and the injury may be very serious. If your client holds you responsible, it could put at risk everything you have worked for.
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Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you and your business against any advice you give to your clients - whether on yoga asanas, poses, alignment or recovery plans.
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You may still be required to get insurance even if you are working as a  freelance yoga instructor, a part-time yoga trainer or as a contractor. If you're unprotected, you could suffer a devastating financial blow.
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As a yoga teacher, you’ll find gyms and studios more eager to work with you if you already have yoga instructor insurance.

What can a yoga instructor be sued for?

While we hope it doesn't happen, yoga teachers can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored yoga instructor insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under yoga teacher insurance?

1. Yoga teachers
2. Pilates instructors
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance offered on upcover.com is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re, not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2024 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078