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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.
Here are some noteworthy features of our yoga teacher liability insurance:
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:
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.
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.
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.
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
We work with your defense attorney to reach the best possible outcome for you. We won’t settle a claim without your approval.
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.
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
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
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.
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.
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.
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.
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.
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.
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.
"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."
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