Ensure The Policy Matches Your Yoga Class Needs
As you compare all the yoga insurance quotes you got from the insurance provider, check to see if the provisions of the policies match the activities and risks typical to your yoga class.
Yoga classes are not always similar. Some specialize in certain aspects of the sport unlike others. This seeming disparity makes it difficult for one yoga policy to fit all. You would need to be sure that the insurance policy covers for the specific yoga tasks your class performs.
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Does Yoga Instructor Insurance Cover If You Teach Online
Your yoga insurance classes may have taken a new shape since the outbreak of COVID-19 causing you to discontinue physical yoga classes and start teaching yoga online. The impact of the coronavirus pandemic on yoga business is enormous.
Almost every business went online as the spread of Coronavirus continued and it is no surprise your yoga classes did the same.
So, the question is, since your yoga insurance cover was acquired without online classes in mind, would it still pay for accidents and injuries as you teach online? Or maybe you want to start your own yoga class and you would like to teach online, would a yoga teacher and studio insurance policy cover you?
There are two sides to answering this question. The first is not all yoga insurance policies make room for online teaching coverage while the second is the insurance will cover when the video tutorials are live.
For the first part, yoga teacher insurance policies come with different specifications. Some policies may cover for both physical classes and online classes while others will only cover physical classes.
This is why it is important to check the provisions of the insurance cover you want to buy. Be acquainted with the stipulations presented in the cover so you are informed what your insurance provider is going to pay claims on.
If you already have a yoga instructor insurance policy, check its provisions to see if it covers for online classes.
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Beyogi Vs Yoga Alliance
With the comparison highlighted above, its pretty easy to see that our yoga insurance program offers a lot that Yoga Alliant Insurance does not. From the get-go we see that Yoga Alliance insurance is a perk of membership after youve achieved an RYT certification through a Yoga Alliance-affiliated program. With beYogi, were not focused on how many hours you have or what poses you know, were focused on providing yoga insurance that adequately protects you and your future in yoga.
To give you a good apples-to-apples comparison, well take each category one-by-one through each program’s offerings to see how they compare.
Application Process
In order to get Alliant Insurance through Yoga Alliance, you have to be an RYT member first. Yoga Alliance offers several tiers of RYT hours including 200-hour, 500-hour, and specialty level credentials. Whichever education provider you choose to complete your program with will have to hold current Yoga Alliance credentials as listed in their online directory.
After you achieve this certification, you can then apply for Alliant yoga insurance. Note, youll have to pay a separate fee apart from your Yoga Alliance membership in order to activate your policy. With beYogi, the application process couldnt be simpler. Just fill out a quick online application, check out, and thats ityoure done! In minutes, youll have full coverage and immediate access to all of your plan documents.
Liability Coverage Comparison
Price Comparison
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Alternative Balance Yoga Insurance
- General and Professional Liability: $2 million each occurrence $3 million annual aggregate
- Products-Completed Operations Aggregate: $2,000,000
- Damage to Rental Premises: $300,000
- Third-Party Medical Expenses: $5,000
- Personal & Advertising Injury: Included
Alternative Balance offers general and professional liability coverage, products coverage, rental premise damage coverage, and more.
Alternative Balance covers over 500 services, extending beyond the field of yoga and into beauty, massage, fitness, and wellness services. There are many more services available for an extra premium, such as acupuncture.
If you offer other services to complement your yoga instruction classes, Alternative Balance will provide you coverage with one policy.
Alternative Balance is a business-oriented insurance program. Apart from offering an employer-specific plan, the perks of any Alternative Balance plan you purchase include different resources to help you strengthen your education and grow your business.
These include marketing tools, easily customizable templates and waivers , specially curated eBooks and magazines, and more.
Alternative Balance provides worldwide coverage, allowing you to practice with peace of mind anywhere in or outside the US and online.
About Alliant Insurance Services Inc
Alliant Insurance Services, Inc. is one of the largest insurance brokerage firms in the United States and has a history dating back to 1925. The YogaPro® team has been administering this program with Yoga Alliance for over 5 years! Let our team of professionals help keep you and your yoga practice safe. For immediate assistance, call us at toll free: or email us at: .
Coverage being offered is written on a claims made policy form. Claims must be reported during the policy term. If the policy expires, non-renews, or lapses, claims reported after may not be covered, unless reported during an *extended reporting period. This makes renewing coverage on time very important. Notices to renew will be sent by email only — 90 days, 60 days, 30 days, and 15 days before the policy expires. Please take the opportunity to start the process early, as policies cannot be reinstated.
To ensure you receive all policy correspondences, communications and documents, please add as an approved sender. If there is a change to your email address, immediately. We also encourage you to check your junk or spam folder.
*Extended Reporting Period provides 12 additional months for claims to be reported and is available upon request. Requests must be made prior to policy expiration Or 60 days from the expiration of the policy, and is subject to underwriter approval and an additional premium Year 1 cost is 100% of the current policy premium.
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Top Picks Of Yoga Teacher Insurances In The Us
If you want the juice immediately, here are our top picks.
- Cheapest Insurance: Alliant YogaPro
- Best Coverage: Yoga Journal TeacherPlus
- Best Overall: BeYogi
Make no mistake, you need yoga teacher insurance if you teach yoga. Yoga-related injuries are inevitable and very often, yoga instructors are held responsible for injuries and are sued.
If that happens to you and you do not have insurance cover, you can go bankrupt and out of business.
When it comes to yoga teacher insurance, the most expensive options are not necessarily the best options. That is why this guide has done the hard work of researching the industry to bring you the cheapest and best yoga insurances in the US.
So, what are the benefits of these Yoga teacher insurance programs that make them some of the best around, and how cheap are the policies? Read on to find out.
The Alliant Yogapro Program
Yoga Alliance and Alliant Insurance Services have joined forces to create Alliant YogaPro, a customized insurance solution for the yoga community. This coverage is tailored to meet the unique needs of yoga teachers who hone their craft within a studio as an employee or contractor, or practice at a students home or other venue. Similarly, there is a separate coverage option available for yoga studios, yoga schools, and small yoga businesses.
To meet the needs of the growing yoga community, coverage now includes online yoga instruction.
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Coverage For More Than One Purpose
One policy for combined purposes can limit which companies you can get a policy from but you save you money.
Dominique relayed her particular experience: I recently had to switch from Lackner McLennan because I am a Personal Trainer as well and there were too many restrictions with LM.
Diane also had special circumstances: I have insurance through Holman as they were the only broker that I could find that would allow me to join my two offerings of yoga teaching and psychotherapy on the same policy. I save a couple hundred dollars per year by doing this.
Consider ALL the places you are teaching to ensure you are covered. This includes insurance if you travel to teach , for outdoor spaces, and as Shannon contributed, she recently added online teaching to her coverage.
Dont forget that your yoga specialty may need to have specific coverage. As Dominiques incredibly informative share included your specialty such as pre or postnatal yoga can be more expensive but it is very important that is included in your policy so you are sufficiently covered.
Difference Between General And Professional Liability
General liability insurance is called slip and fall insurance because it covers you when one of your students injures himself during one of your classes in a way that is not part of your instructions.
While professional liability is also known as malpractice insurance, this type of insurance coverage protects you against claims that blame your alignment cues, adjustment, and even injury and any damage.
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The Services You Offer
You might be a yoga teacher who offers packaged services. Packaged service means more than one service stacked up together.
For instance, if you are a yoga instructor and a massage therapist as well, then choose one plan that can cover up all the modalities.
- Other benefits
Many insurance policies give other extra benefits as well. When you are teaching, some students may attempt to steal the equipment. A plan offering several benefits can cover stolen equipment too.
- Customer support
These days, customer satisfaction is the only way for success in any business enterprise. Similarly, many yoga insurance plans give further support to their customers. You can get discounts, free stuff, and customer support in many plans. The customer support system makes any insurance stand out more than the rest.
Choosing a yoga teacher insurance policy wisely is a killer task. After making the above considerations, you can now choose any of the insurance policies listed below. Listen, to choose your best we have covered every little detail regarding each policy. Go through each term and condition and choose your best!
Lets get started.
How Will Yoga Teacher Insurance Impact My Business
When you are initially certified as a yoga teacher, it’s such a great moment. You’ve worked so hard to learn the 8 limbs of yoga, and now you’re finally ready to begin sharing them with the world and your students. The last thing you want to think about is purchasing business insurance! But when you think about how prevalent injuries and accidents are in the yoga community, it won’t seem like such a far-fetched investment.
The rate of injury rose from 9.5 per 100,000 students in 2001, to 17 per 100,000 students in 2014, amounting to nearly 30,000 yoga-related injuries reported from emergency departments during that period. And as a teacher, it’s easy to see how the types of injury may vary, from sprains and pulled muscles, to wrist and lower back issues.
Of course, we know that it isn’t always the teachers fault when a student gets hurt. Sometimes injuries can be pre-existing, but there’s always the chance that a student can claim negligence. For example, if you’re teaching handstands to a classroom of 30 students, it’s impossible for you to watch each one closely. If a student was to make a claim against you as a teacher, the average claim could amount to a number that you’re unprepared to risk . That kind of cost could potentially sink a business.
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Category: Insurance 1. Best Cheap Homeowners Insurance in Corpus Christi | Bankrate Jun 9, 2021 Best cheap home insurance companies in Corpus Christi · USAA · Progressive · Nationwide · Farmers · State Farm. As of 2021, the average home insurance premium in Corpus Christi costs $1,311 annually, and
Yoga Insurance Done Right
By combining a General and Professional Liability policy, we offer unique yoga insurance that can be tailored to meet your needs.
With flexible payment options starting at $12.50 a month, Insurance Canopy makes yoga teacher insurance more affordable than ever before.
With an efficient and streamlined online process, we can provide you with high quality yoga teacher liability insurance in minutes.
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Does Yoga Insurance Cover If You Teach Online
Does one need yoga instructor insurance if they teach online? How can you protect your yoga business since the coronavirus pandemic has forced everyone to turn to the online platform to learn yoga?
Do I need insurance to teach yoga online or in a free class? The answer is yes. You need insurance to teach yoga online and in any free class because they all have the same amount of risk as the physical and paid training respectively.
Getting a yoga insurance cover may seem like an irrelevant cover. You may ask what is the point in wasting precious money getting yoga insurance when there seems to be apparently no risk or threat.
But you will agree with me that one of the major nightmares of yoga teachers and instructors is the challenge of keeping everyone safe while they train and practice yoga.
As a yoga teacher, you will be held responsible when anyone who comes under your tutelage or enrolls for your yoga class gets hurt.
No matter how hard you try to teach your students how to train safe and avoid injuries they are almost unavoidable. You would be required to take care of the injured persons medical bills and any other expense that may be incurred in the occurrence of such an event.
Even though the tendency of these events taking place are very low. One obvious truth is that there is no 100 percent certainty that you would not have such cases. Their occurrence even though slim are certain. As a result of this certainty it is important to get yoga insurance.
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Insurance Rates Of The Plan
Secondly, insurance rates are the most significant factors for deciding your insurance plan. Compare various insurance rates to conclude the best. There are many plans which are super affordable and provide great benefits. Go for them!
On average, the yoga insurance plans can range between $155 to $405. On that note, know that more expensive rates are not the best and affordable rates are not the worst. Compare different rates to know the best for you!
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Yoga Journal Teacherplus Insurance
- General and Professional Liability: $2 million per occurrence, $4 million aggregate
- Products and completed operations: $2 million per occurrence, $4 million aggregate
- Rental premises damage cover: $100,000
- Medical Expense payment: $50,000 per person
For many decades now, Yoga Journal has been an authority on yoga and yoga lifestyle, so it is not surprising that the Yoga Journal TeacherPlus Insurance program is one of the best Yoga teacher insurances in the US.
The insurance program is also underwritten by Lloyds of London.
It is put together by a partnership between TeacherPlus and Lockton Affinity, and its combined with Yoga Journals vast network and resources making it excellent for teachers who want the latest updates from the yogasphere.
Yoga Journal TeacherPlus Insurance offers some of the highest coverage amounts in the industry, both for general and professional liability as well as product liability.
Apart from providing cover for all yoga styles, the policy follows you anywhere you teach yoga in all 50 US states and internationally
Why Do Yoga Teachers Need Yoga Insurance
Yoga insurance protects the yoga teacher during any unanticipated circumstances. Just like your mom protects you in every situation. Yoga teacher insurance is going to protect your career in any situation.
After the insurance, you wont have any nightmares regarding your career. You can have your peaceful sleep knowing that you have secured your profession.
In the absence of insurance, If any student presses charges against the yoga teacher, the instructor is entitled to pay compensation for the act. Even if he is proven not to be guilty, still hell have to pay the required compensation if the studio loses its lawsuit.
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Insurance For Yoga Teachers
The post included a poll asking which insurance company you chose for your current policy. There were 111 respondents to the poll and here are the results:
Some considerations that were brought forward by members in the thread:
Unlimited Legal Defence Costs Are Covered
No Aggregate
First Aid cover as well as Good Samaritan Acts
Claims Occurring Basis
No excess fee
Accidental loss/damage to property that the insured is deemed legally liable for*
*in relation to premises leased, rented or hired Please note insurance policies for Ireland includes a Coronavirus Absolute Exclusion clause,
Breach of Intellectual Property, Client Confidentiality Protection cover
Temporary Trips abroad are covered without a time limit
We recommend that you read the full policy wording to find out more about this yoga instructor insurance policy. Learn more about the UK policy, or learn about the Ireland Policy.
Get this and more with the Yoga Alliance Professionals Membership!
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How To Get A Yoga Insurance Cover In The United States
You can easily acquire an insurance cover for your yoga class in the United States. These are the ways with which you can get a yoga insurance cover in the United States:
Go For Affordable And Suitable
Before you finally settle for an insurance cover for your yoga class, make sure the premiums you are to pay for it is within your reach.
You do not want to run into debts trying to pay insurance premiums. A yoga teacher insurance policy that is both affordable and fitting for your business is what you should settle for.
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