What is Yoga Insurance?
Teaching yoga can be a personally and financially rewarding career path, but it’s one that comes with certain risks. Yoga instructors and studios should consider what would happen if they lost property or a class participant was injured, among other risks that they face. Purchasing yoga insurance is one way that instructors in Massachusetts may be able to protect themselves from covered risks like these.
Yoga insurance is a specialized commercial insurance for yogis and their studios. In order to provide yogis with multiple coverages, most of these policies are package policies that come with several coverages bundled together.
Who in Massachusetts Need Yoga Instructor Insurance?
In general, most yogis and yoga studios in Massachusetts ought to carry yoga instructor insurance. Not carrying coverage can lead yogis and their businesses dangerously exposed to risks, and this is normally the most appropriate type of insurance for those in the yoga industry.
Do Studios Provide Yoga Instructor Insurance for Yogis?
Yogis who teach at studios may receive coverage from their studio, but there are several items to consider before relying on this protection.
First, some studios might not have as much coverage as yogis would like. Yoga instructors should make sure they’re comfortable with the policy limits that a studio has before relying on its coverage, and they need to remember that this coverage likely could be used by them, other instructors and/or the studio.
Second, instructors who are hired as independent contractors — and not traditional employees — might not be covered by a studio’s policy. Independent contracting creates a more complex insurance situation, and each station should be individually reviewed to determine whether a studio’s coverage extends to contracted instructors.