Teachers are discovering that despite their best efforts to instruct safe practices, injuries can occur.
Even the best instructors who underscore safe, accurate postures are looking into yoga insurance on a rapidly increasing basis. This industry niche is helping yoga teachers to make sure they’re covered when injuries happen.
Despite instructors’ best efforts some students use asanas incorrectly or push themselves too far.
Most reputable yoga instructors require their students to disclose medical conditions that could affect their safety in class. They will also pay close attention to their students throughout the class in order to ensure they are doing postures correctly and safely. However, students will still forget – or choose not – to provide their medical information, they may push themselves too far, or a slightly incorrect posture could be overlooked.
When injuries are frequently a direct path to liability suits, yoga insurance is protecting instructors. It has become a vital business insurance for this niche just as any other small business insurance helps to protect its owners against liability costs. Instructors have become very aware of this reality as there are hundreds of emergency room visits made from yoga-related injuries each year, and many more regular doctor’s office visits for the same reason.
Yoga insurance can protect instructors against very expensive lawsuits that could destroy their business.
The legal fees from lawsuits can be exceptionally expensive. Moreover, regardless of the outcome of the suit, the result can be even more devastating as the mere presence of the legal battle can ruin a reputation. A slight sprain in a student’s wrist or ankle may heal in a short time, but the impact on the yoga teacher’s business can be long-term.
Yoga instructors insurance typically comes with more than general and professional liability insurance. That said, the specific additional benefits vary depending on the provider. That said, instructors should look for coverage from insurers that include a professional website, identity protection, stolen equipment coverage, rental damage, no membership fees and coverage for a number of modalities.
beYogi and Next Insurance have both carved significant spots into the yoga insurance market. They cover many styles of yoga in addition to certain other related yoga practices such as pilates and massage. They also offer options for practicing not only within a home studio, but also as a guest instructor, at festivals and events, and in other circumstances. This shows the difference between traditional small business insurance and policies designed specifically as yoga instructors insurance.