7 Best Yoga Instructor Insurances in 2023 (Read this first!)
This guide is a carefully selected list of the best yoga instructor insurances (in terms of benefits offered) that are also the cheapest you will find.
These insurance programs are:
- BeYogi ($179/ year)
- Alliant YogaPro Insurance ($146/ year)
- Alternative Balance ($269/ year)
- Yoga Journal TeacherPlus Insurance ($224/ year)
- NACAMS Insurance ($179/ year)
- NEXT Insurance ($192/ year)
- Philadelphia Insurance ($185/ year)
Quick yoga teacher insurance comparison table
| BeYogi | Alliant YogaPro | Alternative Balance | Yoga Journal TeacherPlus | NACAMS Insurance | NEXT Insurance | Philadelphia Insurance |
Cost (Full plan) | $179/ year | $146/ year | $269/ year | $224/ year | $179/ year | $192/ year | $185/ year |
Policy Type | Occurrence form | Claims made | Occurrence form | Claims made | Occurrence form | Occurrence form | Occurrence form |
General and Professional Liability per occurrence | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 |
General and Professional Liability aggregate | $3,000,000 | $4,000,000 | $3,000,000 | $4,000,000 | $3,000,000 | $4,000,000 | $4,000,000 |
Product coverage aggregate | $2,000,000 | $2,000,000 | $2,000,000 | $4,000,000 | $2,000,000 | N/A | $2,000,000 |
Rental premise damage coverage | $100,000 | $100,000 | $500,000 | $100,000 | $100,000 | $25,000 | $100,000 |
Stolen Equipment Coverage | $1,000 | $5,000 with $500 deductible | Not covered | Not covered | $1,000 with $250 deductible | Not covered | Not covered |
Medical Expense Payment | N/A | $2,500 per person, $50,000 aggregate | $5,000 person | $50,000 per person | N/A | $10,000 per person | $2,500 per person |
Top picks of yoga teacher insurances in the US
If you want the juice immediately, here are our top picks.
- Cheapest Insurance: Alliant YogaPro
- Best Coverage: Yoga Journal TeacherPlus
- Best Overall: BeYogi
Make no mistake, you need yoga teacher insurance if you teach yoga. Yoga-related injuries are inevitable; and very often, yoga instructors are held responsible for injuries and are sued.
If that happens to you and you do not have insurance cover, you can go bankrupt and out of business.
When it comes to yoga teacher insurance, the most expensive options are not necessarily the best options. That is why this guide has done the hard work of researching the industry to bring you the cheapest and best yoga insurances in the US.
So, what are the benefits of these Yoga teacher insurance programs that make them some of the best around, and how cheap are the policies? Read on to find out.
1. BeYogi
- General and Professional Liability: $2 Million per occurrence; $3 Million annual aggregate
- Product Coverage: $2 Million annual aggregate
- Damage to Rental Premises: $100,000
- Identity Protection Coverage: $25,000
- Stolen Equipment Coverage: $1,000
BeYogi Insurance takes pride in being the “#1 rated yoga insurance”. It is highly rated for a good reason. It is an all-inclusive yoga liability insurance that covers you wherever you teach and includes a lot of perks.
With BeYogi, you do not have to worry whether your services are covered. BeYogi Insurance covers over 490 modalities, including every Yoga style and other beauty, massage, and fitness modalities.
So, even if you teach out-of-the-box yoga styles like acro and SUP yoga, or other healing practices like reiki, hot stone massage, or Pilates, you are well covered with your BeYogi plan.
With BeYogi, you do not have to worry about where you are covered. BeYogi covers you everywhere you teach, including online (live streaming and pre-recorded video).
BeYogi has a part-time plan with the same coverage as the full-time plan that provides coverage for 10 hours or less a week – the highest in the industry.
The BeYogi policy also includes exclusive member benefits like a free Yoga website, discounts on Yoga education and products, and more.
BeYogi Pricing plans
- Part-time: $159/ year
- Full time: $179/ year
- Full time: $327.95/ 2 years
Who is BeYogi best for
- Yoga teachers that offer other healing services like massage and beauty programs
- Online yoga teachers
- Part-time Yoga teachers
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2. Alliant YogaPro Insurance
- General and Professional Liability: $1 million per occurrence, $2 million aggregate (Plan 1). $2 million per occurrence, $4 million aggregate (Plan 2)
- Rental Premise Damage Coverage: $100,000
- Product and Completed Operations: $1 m per occurrence; $2 aggregate
- Stolen Equipment Coverage: $5,000 with $500 deductible
- Medical Expense Payment: $2,500 per person, $50,000 aggregate
Alliant YogaPro is an insurance program put together by Alliance Yoga and arguably the world’s leader for specialty insurance – Lloyd’s of London.
Alliant YogaPro provides all the basic coverage and more, including General and Professional liability cover, product coverage, damage to property cover, medical expense cover, defendants expense, as well as deposition fees and expenses.
While other Yoga teacher insurance covers only the primary teacher, Alliant YogaPro Insurance coverage can also cover a substitute teacher. It is also a policy that will follow you wherever you provide services.
The Alliant YogaPro insurance program has flexible plans whose pricing depends on the general and professional liability coverage amount you want. This allows you to pay even cheaper premiums. The part-time policy covers 8 hours or less a week and has the same coverage as the full-time plans.
Alliant YogaPro Pricing
- Part-time: $110/ year (Plan 1) or $122/ year (Plan 2)
- Full Time: $125/ year (Plan 1) or $146/ year (Plan 2)
Who is Alliant YogaPro best for
- Alliance Yoga members
- Teachers who will sometimes need the services of substitutes
- Teachers who want lower premiums for a relatively lower coverage amount
3. Alternative Balance Yoga Insurance
- General and Professional Liability: $2 million each occurrence; $3 million annual aggregate
- Products-Completed Operations Aggregate: $2,000,000
- Damage to Rental Premises: $300,000
- Third-Party Medical Expenses: $5,000
- Personal & Advertising Injury: Included
Alternative Balance offers general and professional liability coverage, products coverage, rental premise damage coverage, and more.
Alternative Balance covers over 500 services, extending beyond the field of yoga and into beauty, massage, fitness, and wellness services. There are many more services available for an extra premium, such as acupuncture.
If you offer other services to complement your yoga instruction classes, Alternative Balance will provide you coverage with one policy.
Alternative Balance is a business-oriented insurance program. Apart from offering an employer-specific plan, the perks of any Alternative Balance plan you purchase include different resources to help you strengthen your education and grow your business.
These include marketing tools, easily customizable templates and waivers (like consent forms, client handouts, etc.), specially curated eBooks and magazines, and more.
Alternative Balance provides worldwide coverage, allowing you to practice with peace of mind anywhere in or outside the US and online.
Alternative Balance Yoga Insurance Pricing
- Trade School Student Only (currently enrolled in trade school & not getting paid): $189/ year
- Per Diem (working less than 10 hours per week for all services combined): $239/ year
- Professional (working more than 10 hours per week): $269/ year
- Employer: $299/ year (each employee: +$99)
Who is Alternative Balance Yoga Insurance best for
- Employers in the Yoga industry
4. Yoga Journal TeacherPlus Insurance
- General and Professional Liability: $2 million per occurrence, $4 million aggregate
- Products and completed operations: $2 million per occurrence, $4 million aggregate
- Rental premises damage cover: $100,000
- Medical Expense payment: $50,000 per person
For many decades now, Yoga Journal has been an authority on yoga and yoga lifestyle, so it is not surprising that the Yoga Journal TeacherPlus Insurance program is one of the best Yoga teacher insurances in the US.
The insurance program is also underwritten by Lloyd’s of London.
It is put together by a partnership between TeacherPlus and Lockton Affinity, and it’s combined with Yoga Journals’ vast network and resources making it excellent for teachers who want the latest updates from the yogasphere.
Yoga Journal TeacherPlus Insurance offers some of the highest coverage amounts in the industry, both for general and professional liability as well as product liability.
Apart from providing cover for all yoga styles, the policy follows you anywhere you teach yoga in all 50 US states and internationally (for short business trips not exceeding 30 days)
Yoga Journal TeacherPlus Insurance Pricing:
- Part-Time (6 hours a week or less): $169/ year
- Full Time: $224/ year
Who is Yoga Journal TeacherPlus Insurance best for
- Teachers who also teach abroad for a little while
- Teachers who want to access the vast resources of Yoga Journal
5. NACAMS Yoga Insurance
- Professional & General Liability Insurance: $2 million per occurrence; $3 million annual aggregate
- Product Coverage: $2 million annual aggregate
- Rental Damage Insurance: $100,000
- Identity Protection Plan: $25,000
- Stolen Equipment Coverage: $1,000 (with $250 deductible)
If you like BeYogi Insurance, you will like NACAMs Yoga Insurance. This policy from the National Association of Complementary and Alternative Medicine provides General and Professional liability coverage and includes product coverage, rental damage coverage, stolen equipment coverage, and more.
It is an occurrence form insurance type that covers you for any incident that happened while your policy was in effect, irrespective of when the claim is made.
Whatever yoga style you teach, NACAMs Insurance has you covered. It covers 490+ modalities, which includes all Yoga styles as well as beauty and massage modalities at no extra cost.
The policy includes tons of perks, including an easy-to-customize website and discounts on favorite brands (e.g., 30% off Lenovo, 50% off UPS, 75% off Office Depot, and more).
NACAMs policy covers teachers everywhere, including online. It has three pricing plans that include a YTT student featuring rock-bottom price but full coverage and member benefits of a professional policy.
NACAMS Yoga Insurance Pricing
- Professional: $179/ year
- Pro 2-Year: $279.95/ 2 years
- Student: $25/ year
Who is NACAMs Yoga Insurance best for
- YTT (Yoga Teacher Training) students
- Online Yoga teachers
- Yoga teachers who complement their Yoga instructions with other services
6. Next Insurance
- General and Professional Liability: $,000,000 per occurrence, $3,000,000 aggregate limit (Plan 1); $2,000,000 per occurrence, $4,000,000 aggregate limit (Plan 2)
- Damage to Rental Premises: $25,000
- Sexual Abuse Liability: $100,000
- Medical Payments: $10,000 per person
NEXT Insurance Yoga teacher program covers many of the usuals and much more. In addition to General and Professional Liability coverage and commercial property damage, it also covers workers’ compensation and commercial auto damage. This makes it a good policy for business owners who have employees and teachers who drive cars, respectively.
NEXT Insurance offers plans which differ by how much coverage they provide. This gives you the power to choose how much coverage you want when buying insurance.
The NEXT Insurance policy is also one of the most flexible in terms of payments. While most insurance programs only support annual payments, NEXT Insurance allows you to pay monthly or annually.
Additionally, you can cancel the policy at any time. Interestingly, it is an ‘occurrence form’ policy, so even if you have canceled, you are covered for any incident that occurred when you held the policy.
NEXT Insurance Pricing
- Plan 1: $168/ year
- Plan 2: $192/ year
Who is NEXT Insurance best for
- Teachers who want to pay for their insurances monthly
- Yoga teachers who own or drive cars
- Yoga teachers who have employees
7. Philadelphia Insurance
- General and Professional Liability: $2,000,000 per occurrence, $4,000,000 aggregate limit
- Products Liability: $2,000,000 aggregate limit
- Sexual Abuse Liability: $100,000 per occurrence, $300,000 aggregate limit
- Medical Payments: $2,500
- Damage to Rental Premises: $100,000
Philadelphia Insurance also offers an ‘occurrence form’ policy which covers yoga teachers for incidents occurring during the policy period, whether the policy was renewed or not.
Philadelphia Insurance provides coverage for all types of Yoga styles, including Mat-Pilates, Reiki, Tai Chi, Qigong, Kundalini, Anusara, Anada, Bikram, and Kundalini.
If you offer these services along with Yoga instruction, Philadelphia will give you full coverage for all services for the price of one.
The policy covers you on and off-premises, including special events and virtual classes. Coverage includes both in all US states and up to 30-days outside the US. So, wherever you teach, you can have peace of mind.
Philadelphia Insurance Pricing
- Part-time: $125/ year (5 hours or less per week)
- Full time: $185/ year
Who is Philadelphia Insurance best for
- Yoga teachers who may have to teach abroad for some while
- Yoga teachers who include beauty and massage modalities
Conclusion
Yoga teachers get sued for a wide array of reasons, including being held responsible for injury, allegations of misconduct, and more.
A Yoga teacher insurance gives you the peace of mind to focus on your yoga teaching practice without worrying about when, from where, or how the subsequent lawsuit will hit you.
Using the twin criteria of ‘benefits offered’ and ‘pricing’,’ we identified 7 insurance programs as the best and cheapest yoga teacher insurances in the USA
- BeYogi,
- Alliant YogaPro Insurance,
- Alternative Balance,
- Yoga Journal TeacherPlus Insurance,
- NACAMS Insurance,
- NEXT Insurance,
- Philadelphia Insurance.
These programs tick all the right boxes – they offer high coverage amounts. They cover a wide variety of yoga styles and include a variety of perks that can be helpful to beginner and experienced yoga teachers.
However, Alliant YogaPro stands out as the cheapest insurance; Yoga Journal TeacherPlus has the best coverage, while BeYogi comes out as the best overall insurance.