Insurance for Yoga Teachers
The post included a poll asking which insurance company you chose for your current policy. There were 111 respondents to the poll and here are the results:
#1 Philadelphia Insurance (United States) 33%
#2 Lackner McLennan Ltd. (Canada) 32%
#3 Alliant Insurance (United States) 14%
#4 Holman Insurance (Canada) 8%
#5 Insurance House (Australia) 5%
#6 Yogi Chuck (United States) 3%
#7 Massage Magazine Plus 2%
#8 Yoga Journal 1%
#9 Markel Insurance 1%
#10 Aon (Australia) 1%
Some considerations that were brought forward by members in the thread:
Lackner McLennan Ltd and Philadelphia Insurance were mentioned as providing excellent customer service
Melinda commented “I was able to get insurance today with Lackner McLennan. The customer service was absolutely incredible. That alone is worth the money to me!”
Sharyl shared: “Just signed up for Philadelphia 2 days ago. The research process was easy & they had good info about coverage that was easy to understand.”
Coverage for More Than One Purpose?
One policy for combined purposes can limit which companies you can get a policy from but you save you money.
Dominique relayed her particular experience: “I recently had to switch from Lackner McLennan because I am a Personal Trainer as well and there were too many restrictions with LM.”
Diane also had special circumstances: “I have insurance through Holman as they were the only broker that I could find that would allow me to join my two offerings of yoga teaching and psychotherapy (which is a regulated profession in Ontario) on the same policy. I save a couple hundred dollars per year by doing this.”
Consider ALL the places you are teaching to ensure you are covered. This includes insurance if you travel to teach (even just to various studios), for outdoor spaces, and as Shannon contributed, she recently added online teaching to her coverage.
Don’t forget that your yoga specialty may need to have specific coverage. As Dominique’s incredibly informative share included your specialty such as pre or postnatal yoga can be more expensive but it is very important that is included in your policy so you are sufficiently covered.
Other Important Considerations
Make sure your insurance company covers Professional Liability as it’s often not the case. Another area of coverage is Commercial and Tenant Liability which could include coverage for accidents just outside the building, damage to the building, credit card fraud, and coverage for your props and other items such as your computer or sound system.
Thank you to everyone who has contributed to the poll. It offers some great insight into this important but complex aspect of being prepared to teach yoga. If you have other experiences with insurance companies or coverage, in general, please feel free to vote in our poll and comment in the thread.
Just wondering if there were any suggestions for international insurance as I live and teach in Costa Rica but I’m from the UK… Thanks, Shannon!
Fiona this is a great question. I would love to see if we can connect with an insurance company to answer this on the podcast. I will keep you posted!
Hey! I am also looking for international yoga insurance and a week of googling, calling and emailing different places has left me without an answer! Did you all ever find anyone through the podcast? Thanks! I got certified in Australia,am a US citizen and am trying to teach here briefly before I go to Europe and Asia where I will teach as well 🙂
Hi Fiona, Shannon and Haley,
Did you every receive an answer to this question?
I’m looking for an international insurance as I’m from The Netherlands, but teaching in Australia and other countries as well.
Thanks for your response.
I didn’t yet Christel. Let me know if you find something.
Hey did anyone find an answer to this! 2c weeks off googling!!
Hello Shannon, I work for beYogi, A sister company to MASSAGE Magazine Insurance Plus which is in your list above. I’d love to connect and help answer any insurance related questions that you may have received. Per the question above, while we do not cover oversees work, we can help point you in the right direction if still needed. Thank you!
Hey Joe, I’d love to hear about a yoga teacher insurance that offers international coverage!
Looking for international yoga teacher liability insurance because i live in the Bahamas.
This is a great question to post in our Connected Yoga Teacher Facebook group Patrice. Are you a member in there yet? You can join from the button on our homepage.
Did anyone find an insurer to cover them internationally!? It seems lots of people shared this question but there were absolutely no sufficient answers!
Hi Stephanie. Where are you located? I am in Canada and I use Lackner & McLennan and they will insure me when I teach internationally.
I’m living in Germany, I’m Mexican, and I did a Teaching yoga course in Germany.
Does anybody knows an insurance in Germany, I can’t find any information as I do not speak German…
I tried to use the translator, but I still can’t find any answer.
Many insurance doesn’t has coverage for online classes. Does anyone know if it can be added or anyone out there teaching online classes got the insurance for online classes?
I’m interested in this too as we are taking our training online and want to make sure our training programmes are insured globally! This is going to to a lot of searching so any help would be awesome!
I’m in the same boat as you all, I’m still googling and searching! I’m English and teaching and working from Portugal. I have an insurance agency in PT who covers me to teach online and in person in Portugal, but I’m trying to find a company that will insure me for teaching online to UK residents and globally due to the situation.
Balens is a fantastic and highly recommended company if you’re based from the UK.
I’d love any input also!
Did you get anywhere with trying to be insured from Portugal? Im based in the UK, and also teach in Portugal and Abu Dhabi.
I am struggling to find insurance to cover me in multiple places…
Hi! I’m just starting as a Yoga Teacher in Portugal and I’m having difficulty finding options for insurance! Hope you don’t mind me asking but is it possible to share what insurance company are you working with here? Thank you so much!
Hey did you find a solution to this. I am with balens but moving to us and keeping uk clients
I am yoga teacher and I am looking for an international insurance.
I teach classes, online course and retreats. I would like my videos and live teachings insired incase of possible injury or any damages im venues.
Thank you for sending me details on monthlyorice and what the insurance covers in details.
Hi I am looking for insurance to cover me for teaching online and face to face when allowed.
I am based in Greece. Usually I am based in the uk and my current insurance is coming to an end.
Do I have to buy insurance in the country I am resident in?
Or can I buy from the uk and be fully covered for 12 months to teach in Greece and online?
Hi Elizabeth, this is an issue we are seeing our Connected Yoga Teachers come up against a lot. Are you in our Facebook group? There is some discussion in there about this topic that might help you find an answer. Good luck!
Hi all I found an insurance for Americans that will cover you globally. You can teach online or in person from anywhere in the world, to others anywhere in the world.
It’s Alternative Balance. It took me ages to find it. They are pretty good. They just don’t cover public youtube videos, but all private classes are covered.
If you are Australian, you can purchase the insurance suggested by Yoga Australia (I forget the company), that will cover you anywhere in the world, except USA
Hello – Did anyone find good insurance cover for international? My insurerer here in France wont cover me for American and Canadian students. I am desperate to find an international yoga insurance company. Please share if you have any suggestions. Thank you. Caro