Article by Nacams Team
There is no doubt that yoga could be considered a healing, calming and rejuvenating practice, with different benefits emphasized depending on the teacher and the method of yoga being taught. For many folks, yoga also is a physical endeavor, one used to improve aspects of fitness from strength and flexibility to endurance and even cardiovascular health.
With all the wonderful potential benefits of practicing yoga, there still is a need for yoga instructor liability insurance, to protect your business from the not so wonderful possibilities that working with the public can present. Especially due to the fact that yoga classes do challenge students to move and stretch their bodies in various ways, the odds of a claim of damage or injury ever coming forth seem to increase. This increases the importance of securing yoga instructor liability insurance before you even open the door to your first class.
Depending on where you live and where you teach your yoga classes, or plan to teach your yoga classes, whether or not you purchase yoga instructor liability insurance may not even be a choice. Certain states and regions, as well as larger yoga schools and studios, may require certified yoga teachers to have their own yoga teacher insurance in order to teach classes.
Even if you do not happen to live or work in a place where yoga teachers are required to have yoga instructor liability insurance, it is still a very wise business decision to put such a policy in place for your practice. Although the chances of one of your students filing a claim against you for damage or injury may seem slim to none, you will not want to take the gamble of losing everything if this does come to pass.
When you know the cost of yoga instructor liability insurance, securing such a policy begins to make even more sense. The fee for a high quality yoga instructor liability insurance policy is less than a couple hundred dollars per year. In addition, this fee can usually be deducted on your taxes as a busin ess expe nse.
In exchange for the annual fee, you receive the peace of mind that comes with knowing you have full coverage and protection in case anything unexpected does take place in your yoga studio or classroom. For example, your yoga instructor liability insurance should include general liability insurance, which will cover you in case anyone slips and falls on the property of your business or during your class.
If a student’s slip, trip or fall results in damage or injury, such as a broken wrist or fractured ankle, you will be protected by the general liability portion of your yoga instructor liability insurance. Your policy also should contain coverage for malpractice liability, product liability and more.
These aspects of protection are there in case a student claims damage or injury due to a lack of skill or competence on your part as the yoga teacher, or due to a product that was used during your yoga class.
Set aside time to secure your yoga insurance policy, so you can keep your focus on all the potential benefits of yoga, rather than any potential accidents.
About the Author
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 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.