Despite a yoga or fitness instructor's best efforts to teach safe practices, injuries do happen, and along with those injuries, financial challenges can be presented. To help you with peace of mind coverage, we have partnered with beYogi, a company that offers insurance for online yoga teachers and fitness instructors in the US. beYogi has you covered with professional and student yoga insurance coverage and another insurance for fitness instructors too.
When choosing the right coverage for you, at the very least, a yoga and fitness instructor insurance policy should provide comprehensive coverage for the modality that you choose to teach. It should include general liability, as well as professional liability provisions. beYogi's yoga insurance coverage provides generous provisions up to $2 million per claim and a $3 million individual aggregate. For fitness instructors, Insure Fitness Group's coverage also provides generous provisions up to $1 million per claim and a $3 million individual aggregate. BeYogi's and Insure Fitness Group's plans also come with the added protection that is vital to a yoga practice, such as coverage for stolen equipment, rental damage, and even identity theft protection.
When a yoga or fitness instructor purchases a professional policy, they are covered under the same policy details whether they teach in-studio, online, or a mixture of both. However, while teaching online, there are a smaller number of styles covered: Ashtanga, Baptiste, Bhakti, Bikram, Hatha, Instruction, Iyengar, Integral, Kripalu, Kundalini, Power, Prenatal, Restorative, Sivananda, Yin, YogaFit® Personal Training, Vinyasa, Viniyoga, Yoga Therapy, Amrit, Ananda, Anusara, Chi Kung, Integrative, ISHTA, Jivamukti, Kali Ray TriYoga, White Lotus, Svaroopa®, Raja.
beYogi has part-time and full-time policies; both policies have the same coverage limits. As a Uscreen partner, you can enjoy the benefits of the full-time policy at a rate of $159 annually, which is the price for the non discounted part-time policy. Therefore, it would make the most sense to suggest the full-time policy (which covers 10+ hours of teaching per week).
beYogi's Specific Coverage Details for all Policies: Part-Time, Full-Time, and Student
Professional/General Liability: $2 Million per occurrence / $3 Million annual aggregate
Product Coverage: $2 Million annual aggregate
Damage to Rental Premises: $100,000
Identity Protection Coverage: $25,000
Stolen Equipment Coverage: $1,000 w/ a $250 deductible
Insure Fitness Group's Specific Coverage Details for all Policies: Student and Professional
Professional/General Liability: $1 Million per occurrence / $3 Million annual aggregate
Product Coverage: $1 Million annual aggregate
Damage to Rental Premises: $100,000
Identity Protection Coverage: $25,000
Stolen Equipment Coverage: $1,000 w/ a $250 deductible
Aside from the benefits of being covered, beYogi and Insurance Fitness Group offer the following benefits:
Industry-specific discounts on yoga resources and products
Insurance marketplace: access to affordable plans on vision + dental + health + life
Yoga articles on a variety of topics, including business tips, philosophy, template practices, etc.
Free website
And more
To get access to beYogi's deal in partnership with Insure Fitness Group, navigate to beyogi.com/uscreen. Once on their page, choose which insurance you want (Yoga Instructor or Yoga and Fitness Instructor), and begin the efficient and simple process of becoming insured. It takes less than five minutes with automatic proof of insurance at the end of the process.
NOTE: beYogi and Insure Fitness Group only cover yoga teachers and fitness instructors who reside and teach in the US. For this reason, adding a disclaimer on all online classes is critical in ensuring some levels of protection.