Embarking on a career as a yoga teacher is exciting. You’ve spent time as a student, you made it through the strenuous yoga teacher training, and now you are ready to roll out your mat and teach others. You may even be considering opening a studio of your own. One of the most important decisions you’ll make is choosing your insurance policy. Whether you own a studio or teach independently, you’ll want to protect your business interests with acroyoga teacher insurance coverage.
As an AcroYoga instructor, you help others develop trust, and connection through yoga, acrobatics, and healing arts. This puts you in a very vulnerable position. Since Acrobalance is a key component of AcroYoga, participants are often fully suspended in the air, using balance and core strength to form physically demanding poses. Because of the physical risks involved, AcroYoga instruction can expose you to significant personal liability – even if you have an active professional liability policy.
Every AcroYoga instructor should have AcroYoga coverage. Even if the yoga studio you work with has its own insurance policy, most studios do not cover their instructors. If one of your students gets injured, you could be sued. If you’re teaching AcroYoga and you don’t have AcroYoga coverage, you could be putting your whole financial future at risk.
Most yoga studios have general liability insurance. This protects the studio in the event of a lawsuit. However, this policy usually excludes the instructors. Considering the acrobatic nature of AcroYoga, there’s a distinct possibility one of your students could get hurt. If they are able to prove their injury was your fault and not the studios, you may find yourself in financial hot water. Fortunately, AcroYoga coverage is fairly affordable. Additionally, some insurance companies will give you a lower rate if you only teach a few classes a week.
Be careful when buying your professional liability coverage. Many insurance companies believe AcroYoga is an extreme activity. Therefore, they exclude it from most standard liability policies. Depending on your insurance provider, you may “need to buy a secondary policy.”
If you currently have liability insurance, make sure it covers AcroYoga. You should also ensure your policy covers “abuse/molestation, medical payments for students and professional liability coverage.” If your policy does not cover at least these things, it’s time to get better coverage.
Why should you take the extra steps to be sure you are covered for AcroYoga? We live in a society where people love to sue. You may have a “that won’t happen to me in the yoga community” mentality, but lawsuits are not unheard of in yoga. One simple error, one fall, or one mishap during inversions, partner yoga or flying could put your professional and financial future in jeopardy.
XINSURANCE can provide liability insurance solutions for any independent fitness or training instructor from potential liability claims as a result of an accident caused by your work. We can work with you to create a custom plan that will ensure you are covered for whatever you teach. Don’t risk financial ruin. Contact us today to see how we can help you protect yourself and your career.
With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.
In 2010, the Consumer Products Safety Commission reported that yoga-related injuries in emergency rooms and doctor’s offices rose to 7,369.
The most common yoga injuries include neck, back, knee and shoulder injuries.
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