Whether you run a yoga studio or simply teach yoga classes of any kind to your students, a business savvy step is to make sure you are secure with yoga instructor liability insurance. In fact, depending on where you work, possessing yoga instructor liability insurance may even be a legal requirement in order to begin teaching classes.
When you think of liability insurance, yoga classes could be the last thing that comes to mind, but this kind of insurance is important to nearly everyone who exchanges goods or services for a profit, and that includes dance teachers. Having liability insurance is a sign that you value your business and those who come to you for your services, and that you seek a long and successful career.
When you purchase a strong yoga instructor liability insurance policy, you get several forms of security. One of the key components to yoga instructor liability insurance is going to be the general liability coverage. Also known as “slip and fall” insurance, general liability coverage protects you in case a student, staff member or other person in your yoga class or on your property happens to have an accident, such as a slip, trip or fall.
Possessing the general liability coverage that comes with your yoga instructor liability insurance my be especially important in your particular line of work, since yoga classes involve so much movement, often using new or complex skills. Thus, it seems the chance of a slip, trip or fall may be higher in yoga classes, which means an increased chance that someone may get hurt and decide to sue you for the damages.
Another critical piece of a yoga insurance policy is the professional liability insurance, which is also known as yoga malpractice insurance. It is likely you have heard of this kind of liability insurance, mostly as it applies to medical professionals. In the case of dance teachers, professional liability insurance is there in case a student or the parent of a student claims damage or injury due to a lack of skill or competence on your part as the yoga instructor.
For example, if one of your students happened to have an accident and break her ankle during class, that student or her parents may claim that you were not paying proper attention to what was happening or that you did not fully instruct the students on the right way to do a certain move. In essence, they could claim the broken ankle is the result of a lack of competence on your part as the yoga instructor. If such a rare scenario were to unfold, you would need the professional liability component of your yoga instructor liability insurance to see you through the legal process.
Of course, your yoga teacher insurance policy should provide several other benefits as well, including product liability insurance—to cover you in case someone claims damage or injury due to a product used in your yoga class or at your yoga studio.
The National Association of Complementary and Alternative Therapy (NACAMS) is a national insurance provider offering CAM professionals comprehensive liability insurance and practice support. While providing the best value to the practicing CAM professional, NACAMS, Yoga liability insurance package is the most comprehensive in the CAM industry. By focusing our liability insurance exclusively on the complimentary and alternative medicine professional we are able to provide a personalized experience and a comprehensive plan of member benefits.
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For those yoga instructors who teach forms of yoga that may seem to carry a bit more risk, the reasoning behind enrolling in a yoga instructor insurance program is probably easy to follow. Examples such as the one outlined above usually involve the malpractice or professional liability portion of your yoga instructor liability insurance.
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