Yoga teacher insurance

Secure yoga teacher insurance quickly and without fuss. We're simply priced, flexible and upfront.

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Public liability for yoga teachers UK
Public liability for yoga teachers UK
Public liability for yoga teachers UK
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What is yoga teacher insurance?

Yoga teacher insurance isn’t one thing. You buy several products to meet the needs for insuring your yoga teaching business.

Because you’re working with people, public liability is often the first insurance most yoga teachers buy. However, yoga teachers also advise, so they usually need professional indemnity. Commercial legal expenses insurance is also helpful, so we include it as a standard at Suited.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do yoga teachers need insurance?

As a yoga teacher, you instruct and guide students in practising yoga. As a result, students will follow your every move and instructions.

In addition, you have a lot of physical contact with your students and third-party property, be it the venue where you teach or your students’ homes.

With that responsibility, you must protect yourself with yoga teacher liability insurance, which will respond to claims of professional errors, causing an accidental injury or property damage.

Required by venues

Most yoga venues require you to hold public liability or professional indemnity insurance before you can hire them. 

Causing an injury

Yoga can be a strenuous physical activity for some students who may later blame you for their injury.

Saying the wrong thing

If you also lead your students spiritually, your risk of saying the wrong thing, leading to a legal claim against you, is higher.

Accusations of failing duty of care

If you happen to step out of a class or turn away for a moment while one of your students comes to harm, you could be held responsible.

Claims of overstepping the boundaries

As you get to know students more, you may become more involved in their lives. Sometimes this can be misinterpreted.

Public liability insurance for yoga teachers

Public liability insurance shields yoga teachers from claims of injuries or property damage.

Public liability provides legal defence if claims are made against you and pay compensation if due.

What does yoga teacher public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands. 

If someone makes a claim against you for causing an accidental injury or property damage or loss, public liability will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • The floor during a session becomes slippery and causing an injury. A student could be asking you to cover their medical bills.
  • The door to the class slams in someone’s face and breaks their nose. Compensation is being asked of you because you were responsible for the safety of the venue.

Professional indemnity insurance for yoga teachers

Professional indemnity insurance is designed to deal with any claims arising from your profession. This could be causing an injury resulting from incorrect advice or failing your duty of care.

If you are given a notice of a legal claim against you, your policy will trigger access to legal defence and take care of the situation. If you are found liable for any damages, the policy will cover the amount up to the policy limit.

What does yoga teacher professional indemnity insurance cover?

Professional indemnity insurance protects yoga teachers from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • You make a mistake during a yoga class, which leads to the injury of a student
  • You’re accused of negligence or misconduct by one of your students
  • Your student injures themselves while using skills they learned from you

Insurance for teaching yoga - a case study

Do you think a legal claim can never happen to you? Many yoga practitioners follow the same philosophy and teach without appropriate insurance.

However, claims against yoga teachers do happen. Penningtons Law reported on such a claim where they represented a student suffering an injury due to bad advice. Compensation of £9,000 was awarded, and no doubt there would have been a hefty legal bill.

Without professional indemnity insurance, you will pay the costs out of your pocket, which can put you in a significant financial strain. The cost of yoga teacher insurance is insignificant in comparison.

What professional indemnity limit do yoga teachers need?

The professional indemnity limit you need will reflect your particular business activities. When choosing a limit, consider several factors: how often you instruct, how many students are in a class, and possible financial impacts if your advice goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your yoga teacher insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I retire as a yoga teacher?

It’s wise to keep your professional indemnity if you retire from yoga teaching. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of teaching you did and the likelihood that a client might bring a claim against you. 

Other insurance yoga instructors might need

Other insurance requirements for yoga teachers may vary depending on their individual circumstances. It's important to consider factors such as ability to handle legal disputes, dealing with non-paying clients, reliance on costly electronics, resolving tax issues, and having employees or subcontractors.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect yoga teachers against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist yoga teachers in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You wish to take a business partner or supplier over a breach of contract
  • You required guidance on compliance or regulatory issues for your business.

Income protection for yoga teachers

You use your body and voice to earn a living. If a serious illness stops you, your ability to cover your usual outgoing may become difficult.

Income protection insurance can be a welcome safety net during those times and provide a substitute financial help for up to a year or until you’re again to work.

Personal accident insurance for yoga teachers

Yoga is a calm physical exercise; luckily, severe accidents are rare. However, if you worry about this aspect, personal accident cover is a small peace of mind that is very inexpensive.

It provides a quick cash injection if you suffer a severe accident and hopefully helps you overcome the worst while considering your future options.

Life insurance for yoga teachers

As a self-employed professional, you have to pay for everything yourself. As a parent or a spouse, you will have other people to worry about.

It’s good to leave something behind if the worst were to happen. Even if you are unsure if you can afford the costs, talking your situation through with a life insurance specialist is always worthwhile. They can take you through all the options.

Shopping for yoga teacher liability insurance

Whether or not you decide to use Suited yoga teacher insurance to protect your business, it’s worth keeping the following in mind:

Cheap yoga teacher insurance

Remember that when you're choosing yoga teacher insurance, don't just focus on the price. It's also essential to make sure that the provider is there for you when you need them. At Suited, we're proud to offer diverse communication options and speedy responses to give you the peace of mind you deserve.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

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Suited awards.

Common questions

If I ask another yoga instructor to cover my session, will it be covered by my insurance?

Suited professional indemnity insurance for yoga teachers does cover subcontractors’ work. However, your subcontractors should be also suitably qualified and insured.

Do yoga teachers need insurance?

Self employed yoga teachers need insurance to protect themselves from accusations of wrongdoing and consequent compensation demands. Plus some of the venues you use might ask you to have certain insurance in place.

I only teach yoga as a hobby, do I need yoga teacher insurance?

Yes, because the risks you face are the same whether you teach part time or full time.

I only teach yoga online, do I need public liability insurance?

As there is no physical contact between you and your students, you are unlikely to need this cover.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Yoga teacher public liability insurance
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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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