Yoga Teacher Insurance

A yoga instructor is protected by yoga teacher insurance

Flexible Insurance for Yoga and Pilates Businesses

Whether you’re teaching yoga to a class or showing a student how to properly pose, yoga insurance can help you run your business successfully.
 
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A yoga instructor is protected by yoga teacher insurance

Protect Your Yoga Business for as Low as $85 per Month1

Business insurance can help protect yoga teachers and studios from liability claims of bodily injury, property damage and more. For example, a comprehensive yoga insurance policy can help cover medical expenses for students or workers if they're injured at your studio.
 
For most yoga businesses, there are a few types of business insurance coverages that are especially important, including:
 
To learn more about yoga teacher insurance, get a quote today.
 

Should Yoga Instructors Have Insurance?

If you own a yoga studio, it’s a good idea to protect yourself and your employees with business insurance. With the right type of insurance coverage, your business won’t have to pay out-of-pocket for costly claims if something unexpected happens.
Yoga instructor insurance protects this teacher and class full of students

How Much Does Yoga Insurance Cost?

Although insurance rates will vary, our customer’s average cost for business insurance is $1,019 annually, or about $85 a month.2 Some factors that may influence how much yoga instructors will pay for coverage include your:
 
  • Type of assets
  • Property owned
  • Number of employees
  • Size of payroll
  • Claims history
To learn more about yoga studio insurance costs, get a quote today.
Students stretching in a class protected by yoga and pilates instructor insurance

Who Needs Yoga and Pilates Insurance?

We offer business insurance coverage for many types of Pilates and yoga classes, including:
 
  • Integral
  • Kundalini
  • Restorative
  • Hatha
  • Ashtanga
  • Yoga Nidra
  • Hot yoga
  • Yin yoga
  • Vinyasa
  • Iyengar
  • Pilates
  • Power yoga
To learn more about insurance for Pilates and yoga businesses, get a quote today. You can count on us to find the coverage you need at the right price. We’ll also help explain your policy’s annual aggregate limit.

What Type of Insurance Do I Need To Teach Yoga?

Like most businesses, yoga teachers can benefit from a Business Owner’s Policy (BOP). This policy combines business property and business liability insurance into one convenient policy. It can help cover your yoga or Pilates business from things like fire, theft or other covered disasters.

Protecting Your Yoga Operations

Whether you’re helping a student stretch or teaching a difficult pose, accidents can happen. That’s why it’s important to protect your yoga studio with business insurance tailored to your needs.
Nearly two-thirds of yoga injuries impact the lower part of the body including hamstrings, knees, hips, ankles and feet.3
An empty yoga studio protected by yoga insurance

Power Outage

“A transformer caught on fire down the street from our yoga studio. We lost power for a week and couldn’t reopen until it was restored.”
 
Business income for off-premises utility services can help cover lost income that results from an interruption in utility services.
A person tripping over a rug in the studio would be covered by insurance for yoga teachers

Student Injuries

“One of my students tripped in the locker room before class and sprained her ankle. She ended up needing medical attention right away.”
 
General liability coverage can help pay for medical treatment costs if a customer or client hurts themselves while at your business. 

Taking Care of Your Team

Your employees can face injuries on the job, whether they’re over stretching or demonstrating difficult yoga moves. Protect your business and employees with the right business insurance coverages.
In 2022, small businesses employed 61.7 million workers.4
A man reviews his yoga liability insurance policy

Customer Injuries

“A client needed help improving her yoga pose. We offered advice that we give out regularly, but this client claimed it caused her an injury, so she filed a lawsuit against us.”
 
Professional liability insurance is an important yoga liability insurance coverage. It can give you peace of mind by helping cover any errors or omissions in your products or services. It can help pay for claims of inaccurate advice. 
A man injured at work is protected by workers’ compensation and yoga insurance

Employee Injuries

“Our instructor was demonstrating a yoga move to our advanced class when he felt a sharp pain in his wrist. Turns out he had a sprain and needed physical therapy to recover.”
 
Workers compensation insurance covers work-related injuries and illnesses. This policy can help pay for the medical costs of a bodily injury that your employee receives on the job. 

Protecting Your Yoga Business’ Property

Disasters can happen at any time. To protect what you’ve invested in your Pilates or yoga studio, you’ll want the right business insurance to protect your yoga studio.
Yoga studios typically cost around $25,000 to $100,000 to start.5
A burnt-down building is protected commercial property yoga insurance

Property Damages

“A fire broke out from a faulty light after we had closed for the evening. Thankfully, no one was injured, but it caused devastating damage to the studio. It took three months until we could reopen.”
 
Commercial property insurance can help protect owned and rented property that you use to operate your business, including your:
 
  • Building
  • Equipment
  • Tools
  • Inventory
  • Furniture
  • Personal property
A damaged red car covered by commercial auto yoga insurance

Auto Accidents

“Our yoga instructor was on her way to teach a class when she was rear-ended. She was okay, but the car needed some serious repairs.”
 
Commercial auto insurance helps cover the costs of an auto accident while you or an employee uses a company-owned car for business.

Common Questions About Yoga Insurance

Yes, if your yoga studio offers online classes, you’ll still need insurance to protect your business against risks. For example, a client sustains a bodily injury while taking a yoga class online with your studio and sues your business. Without business insurance, you’d have to pay out-of-pocket for their medical expenses.
Many yoga businesses start with a Business Owner’s Policy (BOP) because it combines business property and general liability insurance into one policy. General liability insurance helps cover your yoga studio from claims that your company caused bodily injuries or property damage to others.
Yoga teachers need insurance because working with clients means taking on risks that could put your business assets and you at stake. Liability claims from clients happen more often than you think. With business insurance for yoga teachers, you’ll have protection you can count on if something unexpected happens. 
A teacher smiles knowing that she is protected by yoga studio insurance

Yoga Studio Insurance That Has Your Back

Get the protection you need to help keep your yoga studio successful.
 
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Customer Reviews

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“[The] customer service representative was detailed on different options that would cater to my small business needs.”
 
Willie
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“Our experience with [them] has been excellent and easy.”
 
Jon
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“[They] took care of our claim without involving a great deal of my time.”
 
Martha
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“You know you never think of workers’ comp until you pay for it and when that accident happens.”
 
Mark
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“Claim was so easy to place online. Within 15 minutes … everything was taken care of almost immediately.”
 
Carl
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“I’m confident that [they] will provide the highest level of service and support among business insurance providers.”
 
Chris
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Last Updated: March 21, 2024
 
1,2 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
 
3 ScienceDirect, “Although the Injury Rate of Yoga Is Low, Nearly Two-Thirds of Musculoskeletal Injuries in Yoga Affect the Lower Extremity: A Systematic Review.”
 
4 Small Business Administration (SBA), “2022 Small Business Profile.”
 
5 Biz2credit, “How Much Does It Cost to Start a Yoga Studio?”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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