Once you complete your yoga teacher training and certification, an important next step is getting insurance. Teacher insurance protects you and your yoga business by covering liabilities related to instruction. But what insurance options are available for newly certified yoga teachers?
Yoga Alliance Insurance
If you register as a yoga teacher with Yoga Alliance after certification, their insurance is a turnkey option. Their policy provides $2 million in general liability coverage for instruction you provide as a RYT. This protects you at the base level for your teaching services. Premiums are affordable, starting at $159 per year. A downside is that Yoga Alliance insurance only covers you as an individual instructor, not a full yoga business or studio.
Homeowners or Renters Insurance
Some home or renters insurance policies allow you to add supplemental coverage for professional services conducted at home, like teaching private yoga clients. This can be a budget way to get baseline liability protection. But the coverage may not extend to teaching at studios or other venues. Be sure to discuss your needs with an agent when exploring this option.
Studio or Gym Insurance
If you teach at an established studio or gym, see if you can be added to their insurance policy as an instructor. Many fitness facilities already have coverage that will include teachers who provide instruction under their brand name and roof. Being added as an additional insured party under their policy tends to be inexpensive or free.
Yoga Business Insurance
If you want to operate a full yoga teaching business complete with classes, privates, workshops, and retreats, purchasing a policy that covers all your offerings may be wise. Groups like Wellness Insurance provide specialized plans at multiple levels of coverage to insure yoga professionals comprehensively. This option provides peace of mind but is one of the pricier routes.
Newly certified teachers from programs like Marianne Wells YTT can discuss options with their mentors to determine the right amount and type of coverage. A graduated approach often makes sense for easing into teaching while building your insurance protection over time. With the right policy for your current teaching scope, you can confidently share your yoga gifts with students.