Yoga liability insurance guards against unknown variables

Depending on the type of yoga you practice, your focus may be on the feet, hands, ears or even the full body of your students—or perhaps a bit of all of the above, based on the individual client and his or her needs. No matter the focus of your yoga teaching studio, however, there is a common thread that runs from one professional yoga business to the next and so on. This common thread is the need for yoga liability insurance. There are several reasons yoga liability insurance is a necessity for professional yoga teachers. The first and possibly most important reason to possess yoga liability insurance is simply because you may be legally required to have such a policy in place before you can begin offering your services in exchange for a fee.

Of course, the specific laws or regulations will depend on where you live and work, but in quite a few areas, professional yoga teachers may be required to possess yoga liability insurance. Beyond this most basic need for yoga liability insurance, there are several other key reasons to posses such a policy. These reasons are what is usually behind the law or regulation that requires practitioners to secure a yoga liability insurance policy in the first place. The general foundation for these reasons is the fact that, as a professional yoga teacher, you do business with members of the public, and there are certain risks that come with running such a people oriented business.

For starters, when you run a business where clients physically come to you for your services, there is always the risk that a client could have an accident on the property of your business. For example, a client could trip on her way through the door of your yoga studio. If that trip results in an injury, such as a broken wrist or ankle, and if that client decides to sue you for the damages, then you will be quite relieved to have yoga liability insurance in place.

Obviously, these are some big “ifs,” but these unknown variables are precisely why liability insurance exists in the first place. You do not want to be caught off guard if such a situation does take place. Instead, you will want the coverage that comes with yoga insurance. In the above example, it is the general liability portion of your yoga liability insurance policy that would kick in to provide the necessary financial assistance.