Yoga teacher insurance

This depends on your business, the students you’re working with, and the classes you’re teaching. There’s no legal requirement to have insurance in place, but if you’re freelance and working for a studio they may require you to have a specific level of cover in place – accidents and injuries happen during even the gentlest of classes, and you could still be held liable, even if you’re not teaching in-person.

If you employ anyone, even if they’re also teaching remotely, you’re usually required by law to have employers’ liability insurance in place.

Public liability insurance will be a key cover for most yoga teachers – it’s built to cover you for injuries and property damage, if your student or another member of the public makes a claim. Is there a risk that your student could get injured and sue for compensation, for example, because of your studio or teaching?

Alongside public liability insurance, you may want to add cover for things like your essential business kit and equipment, or personal accidents which could stop you working. And if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement.

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider massage insurance or fitness instructor insurance?

If you provide other services, make sure you’re covered:

– Gym insurance
– Fitness instructor insurance
– Dance teacher insurance
– Life coach insurance
– Nutritionist insurance
– Massage insurance
– Physiotherapy insurance
– Reflexology insurance

Other types of insurance

– Limited company insurance
– Self-employed insurance
– Freelance insurance
– Consultant insurance
– Contractors insurance
– Sole trader insurance

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a yoga teacher, you may also teach pilates occasionally or practice aromatherapy with clients – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.