Specialist yoga insurance

Whether you’re entirely new to yoga or an experienced instructor, practising yoga can come with risks, just like any other sport. From practising your asanas in Hatha yoga to strengthening your muscles in aerial yoga, specialist yoga insurance can help protect you and your equipment should the worst happen.

If you decide to get a yoga insurance policy through Insure4Sport, there are two options available to you:

• Yoga insurance: This cover option is tailored to suit individuals participating in yoga, including personal accident and yoga equipment cover.
• Yoga instructor insurance: Yoga teacher or instructor insurance policies include all options available within a yoga insurance policy but with the addition of Professional Indemnity and Employers Liability cover. To be eligible for yoga teacher insurance, you must have the appropriate accreditation from the British Wheel of Yoga (BWY).

Why consider specialist yoga insurance?

Having yoga insurance in place can provide financial protection and peace of mind so you can practise or teach yoga with confidence. Yoga insurance through Insure4Sport can help cover some or all of the costs if:

• You accidentally cause an injury to a third party or their property
• Your yoga equipment is lost, stolen or accidentally damaged
• You suffer a serious injury while practising yoga

If you take out a yoga teacher insurance policy through Insure4Sport, this also applies to:

• A client making a claim against you after becoming injured while following your guidance in a yoga class
• An employee of your yoga business making a claim against you for injury or illness while in your employment

Yoga disciplines covered through Insure4Sport

Yoga insurance through Insure4Sport can cover a whole range of yoga disciplines, such as:

• Hatha yoga (sometimes referred to as standard or traditional yoga)
• Aerial yoga
• Core power yoga
• Chi yoga
• Hot yoga
• Animal yoga

If you would like to double-check that your yoga speciality is covered under a policy through Insure4Sport, contact our team, and they will be able to provide you with further information. 

What does yoga insurance cover?

What's covered

• Public liability – up to £10m for accidental bodily injury to a third party and accidental damage to third-party property
• Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of yoga
• Theft, loss and damage to yoga equipment
• Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
• Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies.
• Worldwide Cover

What's not covered

• Any claims not arising from your participation in yoga
• Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of yoga)
• Loss or theft of any yoga equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
• Any claims for yoga equipment where you cannot provide evidence of ownership
• Theft, loss or damage to mobile phones

For more information visit our Important Documents Page.

What does yoga teacher insurance cover?

What's covered

• Professional indemnity – up to £5m
• Public liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
• Employers’ Liability
• Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of yoga
• Theft, loss and damage to yoga equipment
• Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
• Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies.
• Worldwide Cover

What's not covered

• Any claims not arising from your participation in yoga
• Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of yoga)
• Loss or theft of any yoga equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
• Any claims for yoga equipment where you cannot provide evidence of ownership
• Theft, loss or damage to mobile phones

For more information visit our Important Documents Page.

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Do I need insurance to teach yoga?

You are not legally required to have insurance in place as a yoga teacher. However, you may want to consider getting specialist yoga teacher insurance to provide financial protection and peace of mind.

For example, if one of your clients were to injure themselves or cause damage to third-party property while under your instruction, Public Liability cover may help cover some or all of the legal costs if they choose to make a claim against you.

If you teach yoga online, this can carry many of the same risks as teaching yoga in person. For instance, if you were to injure yourself while teaching a class, having yoga insurance in place through Insure4Sport could provide personal accident and loss of earnings cover.

If you teach yoga in a gym or studio, having insurance is not a legal requirement, but many gyms and studios require you to have Public Liability insurance as a minimum if you teach on their premises. It's always best to check with the studio or gym where you plan to hold your classes to find out what insurance they require you to have before taking out a policy.

Yoga Insurance FAQs

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