While most yoga instructors pour their heart and soul into their work with only the best intentions, there is always the unfortunate risk of being the target of a lawsuit.
There are plenty of ways in which an unwitting yoga instructor can end up in the hot seat if they do not have the right kind of protection.
For example, a simple case of alleged misconduct can make things extremely challenging for an uninsured yoga instructor to fight.
From injuries to negligence, you never know what could happen if you are not protected.
Fortunately, you do not have to resign yourself to such a fate.
Even if you might have noble intentions and are willing to cover your bases, you are not fully protected without yoga liability insurance.
Here are five recommendations in finding affordable yoga instructor insurance!
#1 - Does it have the right coverage?
For example, while it might be great to have insurance that covers the use of a studio, it is practically useless for instructors who make use of private lessons.
Even if you only have a few private lessons and spend most of your time in the studio, it is still not a good idea to leave a loophole for a potential lawsuit.
Keep in mind that working in a studio with insurance will not protect you if you happen to rely on private lessons.
#2 - Always check member benefits
While there are plenty of liability insurance deals out there clamoring for your attention, there are some who stand out from the crowd due to member benefits.
For example, there are a few plans out there that cover any stolen equipment during your classes. While it might not seem like a big deal, the little things matter when it comes to liability insurance.
#3 - Does the liability plan branch out?
Not every yoga instructor is restricted to yoga classes. There are teachers out there who also dabble in other types of exercise, such as Pilates or Crossfit.
While yoga instructors who are entirely dedicated to yoga will have no trouble looking for liability to insurance, those who dabble in other types of exercise might find insurance plans that cover more than one type of course.
#4 - Consider your options
While you might find a great deal right away, it would not be a good idea to take the plunge without looking at other options.
If you want to find the best possible liability insurance for you, collect as much as you can before making your decision.
#5 - Make sure to read the fine print
Last but not least, the fine print could very well include hidden charges or questionable content that could end up blindsiding you. Before accepting anything, ensure that you read the plan thoroughly.
While it might seem like a daunting task to search for the best liability insurance for yoga instructors, you do not have to put up with a miserable process.
The tips above will help give you the best chance of finding the perfect fit for you.