Whether it’s coverage for lost or stolen equipment, identity protection and rental damage or insurance for general, professional or product liability claims, there are quite a few reasons to find the best possible yoga instructor liability insurance. By taking the time to ensure you get the most bang for your buck when it comes to your yoga teacher insurance, you should be able to get several benefits including and beyond the core liability coverage.
Certain states and regions actually require professional yoga teachers to possess yoga instructor liability insurance in order to do teach classes in that state or region. However, nearly every business savvy person knows that liability insurance is an important safety net, especially when the services you provide to clients or customers are in person, on your property and involve physical movement and interaction.
Obviously, the work of the majority of yoga teachers fits this description—students come to yoga classes in your yoga studio or classroom, where they are taught and guided through a series physical movements, or poses. Now, the reason yoga instructor liability insurance can be so key for professions such as this one is because the chance of a client getting hurt seems to be a bit higher.
For example, if one of your students tore a muscle or exacerbated an existing injury during a yoga class, there is always the possibility that this student might decide that this happened because you failed to guide him or her properly through the movement or pose. If this hypothetical client then decided to file a claim against you for the damages incurred due to this injury, then you would want to have solid yoga teacher insurance on your side.
The right yoga teacher insurance would then kick into action to provide the necessary financial coverage and guidance to get you through the legal process that takes place when a customer files a malpractice claim against one of his or her service providers. Your yoga instructor liability insurance should not only provide this malpractice coverage, but also product and general liability coverage, as well.
The malpractice portion of your yoga teacher insurance offers coverage in case a client claims he or she suffered harm due to a lack of skill or competence on your part of as the professional yoga instructor.
General liability comes into play when the student sues due to an accident, such as a slip, trip or fall, that just happened to take place on your property. Product liability is there for those cases where a yoga student might claim damage or injury due to a certain tool or product used in your yoga classes.
Obviously, you will want to be sure that any yoga insurance policy you purchase provides these three core aspects of coverage. However, you should also be seeking out the policy that offers you the most additional benefits at the best possible price.
In terms of the added perks to be looking for as you shop around for yoga instructor liability insurance, think in terms of extra coverage—coverage for lost or stolen work equipment, coverage for damage to the rental space in which you work, and even coverage for cases of identity theft. Remember, the best insurance providers know that you want the most for your money. Choose wisely!