Yoga Teacher Liability Insurance

Who would sue a yoga teacher? Your job is to build strong minds and bodies, and to create peaceful souls. The last thing you would ever want is for a client to get hurt during your class. But things happen. Whether it was your mistake or not, you need to make sure you have professional liability insurance in place to protect your savings account (and business) if you need to hire lawyers or pay settlements.

Not a yoga teacher? Not a problem! We also offer professional liability insurance for a range of fitness professionals, including personal trainers.

 

Berxi Professional Liability Insurance: Key Features

Here are some noteworthy features of our yoga teacher liability insurance:

  • Occurrence and claims-made policy options
    • Don’t know the difference between the two? No worries! We wrote an article that breaks it all down for you.
  • Legal defense outside the limits of liability
    • This means that money spent on your defense won’t be deducted from your insurance limits — so if you have a $1 million limit, you’ll still have $1 million to pay for any settlements or damages.
  • Consent to settle
    • This means that we won’t settle a claim without your consent.
  • $0 deductibles
  • Flexible insurance limits based on your needs
  • Convenient payment plans for select policies
  • Customizable tail coverage options for customers with claims-made policies

 

The Cost of Liability Insurance for Yoga Teachers

Yoga teacher insurance typically starts at about $139/year for a supplemental policy and about $161/year for a primary policy. (Keep in mind that these prices are for occurrence policies with limits of $1 million/$3 million.) The final cost will depend on a number of factors, including — but not limited to:

  • How much coverage or limits of insurance you want
  • Where you practice
  • Your level of experience and education
  • How many hours a week you work

The best way to get an accurate idea of what your policy would cost is by filling out our quick online application to get a quote. The process takes a couple minutes, and — if you choose to purchase — your policy can go into effect any day you’d like, including today.

I Already Get Liability Insurance Through My Employer. Why Would I Need More?

If you work for a studio or gym, you may already have insurance through your employer. But keep in mind that your employer’s policy might not be enough to fully protect you in the event that you’re named in a lawsuit. That’s why many yoga instructors choose to buy their own liability insurance, too — it’s an added layer of security that’s dedicated specifically to protecting their assets, careers, and reputations.

Does Berxi Offer Group Liability Insurance for My Whole Staff?

Wondering if you can insure the other yoga teachers in your studio or gym? The answer is yes! Call us at 833.24.BERXI (833.242.3794) and we’ll be there to discuss your insurance needs.

Yoga Teacher Liability Insurance: What’s Covered Under a Berxi Policy?

Industry Coverage

If you work as a yoga teacher, medical malpractice coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. This includes providing you with a lawyer to defend yourself and the funds you can use to pay judgments or settlements.

AMOUNT COVERED:
Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate

If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).

Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.

AMOUNT COVERED:
Provided in addition to your policy’s limits of insurance

Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).

If you provide professional care to someone who is not your patient in a first aid or emergency situation, and that person files a claim against you, your policy would still apply.

If you work as a yoga teacher, your policy excludes all coverage for sexual abuse or misconduct claims and will not provide you with legal defense.

Automatic Coverage Extensions

If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines.

AMOUNT COVERED:
$25,000 per policy period

If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.

AMOUNT COVERED:
$25,000 limit per policy period

If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).

AMOUNT COVERED:
Up to $1,000 per day

If you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.

AMOUNT COVERED:
$50,000 per claim

Additional A La Carte Coverage

The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm.

AMOUNT COVERED:
$1 million occurrence/$1 million aggregate

If you’re audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.

AMOUNT COVERED:
$30,000 for a covered audit and related expenses

 

Why Should I Choose Berxi for My Professional Liability Insurance?

We’ve built a digital professional liability insurance platform that makes the insurance experience simpler, faster, and just plain better for our customers. While we think we’re the right choice for yoga instructors, we also know that this is a really important decision, so we want to make sure you have all the information you need. Here are a few things that set us apart from other insurance companies.

We’re part of Berkshire Hathaway Specialty Insurance Company.

You could say that we’ve got the best of both worlds: While we’re as flexible as a start-up, we also have the financial stability to make sure we’re around for the long term.

We’re a direct-to-customer model.

This means that we’re not just the people who sell you an insurance policy – we’re also the people who are responsible for handling your claim. There’s no one in the middle; it’s just us and you. Plus, working directly with us eliminates fees that are typical in insurance transactions. In fact, our customers typically save an average of 20% – and, in some cases, even more.

We’re digital.

You can go onto our website to get a quote, buy a policy, and download your certificate of insurance – all in the exact same day. And if you ever need to file a claim, you can also do that digitally, too.

We’re here for our customers.

When you call our support line, you won’t have to navigate through an endless phone tree or argue with a robot: You’ll reach a real-life human being who’ll work hard to answer all your questions. Being a customer-first company is part of our mission — and we have a great reputation for it.

 

FAQ About Yoga Teacher Liability Insurance

Yes, it’s recommended that yoga teachers carry professional liability insurance. It can help protect you from claims of negligence related to services or advice you give your students.

For example, if a student hurts their back while performing a challenging pose, they might claim that your instruction caused them bodily injury. Your professional liability insurance can help cover the related costs, like legal defense, medical treatment, and settlement costs.

Without the protection of professional liability insurance, you run the risk of paying for these potentially hefty costs out of pocket.

At the very least, it’s recommended that yoga teachers have professional liability insurance and general liability insurance.

  • Professional liability insurance: Professional liability insurance covers claims of negligence or malpractice related to your professional services. For instance, if a student says they suffered bodily injury because of a yoga regimen that you recommended, your professional liability insurance can help protect you.
  • General liability insurance: As a yoga instructor, there’s always the possibility of a student hurting themselves, or of accidentally damaging someone else’s property. If someone slips and sprains their wrist at your studio, you could be held liable for medical bills, or even face a lawsuit. That’s where general liability insurance comes in: your policy can help pay for medical bills, cover the costs to repair or replace someone’s property, and provide legal defense in the event of a lawsuit.
  • Commercial property insurance: Commercial property insurance covers damage to your business’s property. If your business operates a physical space, such as a yoga studio, commercial property insurance can help protect your physical assets and reimburse you for damage to the property.
  • Business personal property insurance: Business personal property (BPP) insurance can cover the costs of replacing or repairing stolen or damaged property, including equipment and inventory. Berxi offers an optional BPP add-on to our general liability policies.

While it may not be legally required in your state, it’s smart for yoga teachers to have professional liability insurance and general liability insurance.

Professional liability insurance can help provide legal defense and financial protection if a client sues you for allegedly making a mistake that led to bodily injury.

General liability insurance covers claims made by others that arise from normal business operations, including bodily injury (not related to your professional services), property damage, and non-physical personal injury, such as libel or slander.

The easiest way for yoga instructors to buy a professional liability insurance policy is directly from a provider – which also has the added benefit of cutting out broker fees and saving you money. With Berxi’s easy-to-use online platform, you can get a quote and buy your policy online in just a few clicks.

Yes, you should consider getting professional liability insurance to teach yoga online. Insurance can protect you from financial losses if a student is injured during a class. While it may not be legally required, depending on the state in which you work, it can provide essential financial and legal protection in the event of a lawsuit.

Depending on your unique work environment and risks, it’s recommended that yoga studios carry professional liability insurance, general liability insurance, commercial property insurance, and business personal property insurance.

  • Professional liability insurance: Professional liability insurance covers claims of negligence or malpractice related to your professional services. If a student says they suffered bodily injury because of your yoga instruction, your professional liability insurance can help protect you.
  • General liability insurance: If a student accidentally slips and sprains their wrist at your studio, you could be held liable for medical bills, or even face a lawsuit. General liability insurance can help pay for medical bills, cover the costs to repair or replace someone’s property, and provide legal defense in the event of a lawsuit.
  • Commercial property insurance: Commercial property insurance covers damage to your yoga studio’s physical assets and the property.
  • Business personal property insurance: Business personal property (BPP) insurance can cover the costs of replacing or repairing stolen or damaged personal property, including equipment and inventory.

"We started Berxi because we believe that we can make insurance better, faster, and more affordable by offering you a direct connection with an insurance company that cares about your needs. That means that you buy directly from us and you talk directly to us. We know you expect fast, seamless results from a company that really understands you — and that emphasis on technology, compassion, and customer satisfaction is all built into the Berxi mission."

Adam Yasan, Managing Director Berxi
“20% savings” is based on industry pricing averages as of March 2020.
Subject to terms and conditions of the policy. Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 6) Prior Claims Activity. Final pricing and terms of coverage may vary. Terms, pricing, and coverage may vary. Products not available in all states.

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