Yoga teacher insurance

Q: How much does yoga teacher insurance cost?

This depends on your business, and which insurer is providing your cover. Prices start from £6.47 a month for our yoga teacher customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

Join over nearly a million customers (including over 2,100 yoga instructors like you) – we offer public liability cover from £4.95

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10% of customers pay the equivalent of £4.95 a month*

Two women doing yoga poses in their yoga mats

Why do you need yoga teacher insurance?

Whether you’re running a studio or teaching online – whoever you’re holding space with, accidents, injuries, and other issues can be a problem. From public liability insurance for yoga teachers (built to pay out for injuries and damage) to employers’ liability insurance for your team, our cover supports thousands of UK teachers every year, protecting your people and practice.

public liability insurance for yoga teachers, UK-based claims and contact centre
rated 4.8/5 based on 39.9K public liability customer reviews
optional personal accident cover for your own accidents and injuries

What does yoga insurance cover?

Whether you’ve got years of experience or just finished training, your students rely on you for care and attention to particular needs and injuries. UK yoga insurance usually starts off with public liability cover, built to support you if a student or member of the public claims you’ve caused an injury or property damage. You can include optional covers, and pay monthly if you need to.

Public liability insurance for yoga teachers

In case your yoga business causes an injury or property damage.
Employers’ liability insurance

In case anyone gets ill or injured while working for your yoga business.
Business and office equipment insurance

In case something happens to equipment like your tablet or bolsters.
Legal expenses insurance

In case you have to pay legal costs connected with your yoga business.
Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

Public liability insurance for yoga teachers

In case your yoga business causes an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:
- damage to someone’s property, caused by your yoga teaching
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- a student cuts their hand on the broken door handle to your studio, he needs a few stitches and won’t be able to drive for a couple of weeks
- you’ve been repainting your studio and a client stains their coat, bag, and shoes while storing their valuables
Read more about public liability insurance
Employers’ liability insurance

In case anyone gets ill or injured while working for your yoga business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:
- you’re preparing your teachers for a specific exam and a student breaks their arm during a demonstration
- your front of house employee hits their head on a low beam in the studio store room, suffering mild concussion
Business and office equipment insurance

In case something happens to equipment like your tablet or bolsters.

What’s typically covered by business and office equipment insurance?
- accidental loss, damage, or theft of the equipment you use to run your yoga business, like your laptop or supply of mats
For example:
- the tablet you use to check clients in and manage your music playlists is stolen from the front desk
- a flood in the business unit next to your studio damages your mats and bolsters over the Christmas break
Read more about business and office equipment insurance
Legal expenses insurance

In case you have to pay legal costs connected with your yoga business.

What’s typically covered by legal expenses insurance?
- legal costs attributed to your yoga business
- property damage, nuisance, or trespass and associated legal costs
- HMRC, tax, and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as a popular yoga teacher
For example:
- one of your students is refusing to pay their course fee, claiming you guaranteed they’d pass their teacher training exam – you need to pay for legal representation
- HMRC decide to investigate your tax affairs and you require advice from a legal professional
Read more about legal expenses insurance
Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you injure your neck during a weekend retreat and can’t teach or practice for at least a week
- one of your teaching staff is in a cycling accident and breaks their knee, preventing them from working for several weeks
Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does yoga instructor insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.

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The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example yoga teacher insurance quotes, real prices

£7.22 /month

£52.19 /year

A newly self-employed yoga teacher who works from a gym and digitally

1-2 years’ experience
Sole trader
No employees
Based in Coventry

Public liability

£1,000,000

Employers’ liability

Not included

Contents & business equipment

Not included

£41.54 /month

£369.2 /year

A yoga teacher training company that hires out a studio and works with professional sportspeople

5+ years’ experience
Limited company
3 employees
Based in Nottingham

Public liability

£2,000,000

Employers’ liability

£10,000,000

Contents & business equipment

£10,000

How we work out example quotes These examples are real quotes from our online system (created 16/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

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.

Insurance cover	Lowest excess	Highest excess
Public liability	£100	£2500
Employers’ liability	No excess	No excess
Tools	£60	£500
Stock	£100	£500
Business and office equipment	£50	£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?
Does yoga teacher insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does yoga teacher insurance cover my work correctly?

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?
Do I need cover for other types of work?

If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527

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Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 26/02/2025.

Chosen by nearly one million small business and landlord customers

We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.

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Yoga teacher insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for yoga teachers.You can also check out our business insurance FAQs.

Do you need insurance to teach yoga online?

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.

What kind of insurance does a yoga instructor need?

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.

How much does yoga teacher insurance cost?

Can I add cover for a different trade or profession to my business insurance policy?

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.

Does public liability insurance cover my business for the actions of my employees?

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.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Yoga teacher insurance

Why do you need yoga teacher insurance?

What does yoga insurance cover?

Public liability insurance for yoga teachers

What’s typically covered by public liability insurance?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

Business and office equipment insurance

What’s typically covered by business and office equipment insurance?

Legal expenses insurance

What’s typically covered by legal expenses insurance?

Personal accident insurance

What’s typically covered by personal accident insurance?

How much does yoga instructor insurance cost?

Prices start from £4.95 per month

Example yoga teacher insurance quotes, real prices

What kind of excess should I expect?

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

How do I choose insurance?

Which type of workers do I need insurance for?

Does yoga teacher insurance cover my work correctly?

Do I need cover for other types of work?

Which public liability cover limit should I choose?

Talk to an expert

Online

Phone

FAQs

How do claims work?

£68 million in claims paid out in 2024

Compare and buy in minutes

Rated 4.6/5

Here to help

24/7 claims

Yoga teacher insurance FAQs

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