Skip navigation links
Customer Service
Contact Us
First time users must register in order to save their Quotes & Applications: Register here
Select a Category
Outfitters and Guides
Martial Arts
Activity and Social Clubs

​Yoga Instructors

E-mail this page  | Print this page
Phone 1-913-754-5617
Fax 1-913-327-0201
Claims 1-800-237-2917
Ask us a Question/E-mail

 insurance program has been specifically designed to meet the unique needs of a U.S.-based yoga instructor directly supervising an individual or group engaged in fitness and exercise activities.  Program costs start as low as $75 for part-time (20 hours or less) and $105 for full-time certified instructors teaching yoga only.  Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company

Eligible Operations

A U.S.-based instructor age 18 or older conducting private or group instruction for the following is eligible to enroll in this program: 
-Acrobatic/partner yoga-Iyengar
-Aerial/anti-gravity/suspended yoga-Jivamukti
(certified instructors only)-Kripalu
-Dharma-Prenatal & Postnatal
-Hatha Flow-Vinyasa
-Hot yoga-Yin
Ineligible Operations:

Certain operations are not eligible for coverage by this program. We reserve the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):

-Certified athletic trainers-Instruction of sports skills activities*
-Coaching of organized competitive athletic teams-Instructors under the age of 18
-​​Fitness instruction other than YOGA (unless the optional​-​Instructor's employment as an exempt or non-exempt
coverage for instruction of other types of fitness instructionemployee of a school, university or college
is purchased) 
* If your risk doesn't fit the eligibility of this program, visit our Sports Instructor Program.        
Liability Coverage
General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your fitness instruction activities. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of fitness activities) that occur as a result of your instruction activities. 

Coverage includes incidental virtual training provided by you (the named insured) to your clients.  The intention of the policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public.

We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training. 

Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities.  We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.    

General Liability
-Bodily Injury & Property Damage -Professional Liability
-Products-completed Operations-Damage to Premises Rented to You
-Personal and Advertising Injury    -Medical Expense (other than participant)
-Legal Liability to Participants-Abuse, Molestation, Harassment or Sexual Conduct
Defense Cost Reimbursement

The following exclusionary endorsements are part of the policy providing coverage for this program: 

-Abuse, molestation or exploitation     -Physicals/stress testing
-Any adult-themed parties/meetings/trips, including but not limited
-Physical therapy, massage or salon services
to parties/meetings/trips during which demonstration of products
-Sale or distribution of herbal medicinal and/or

and/or services are used in the adult entertainment industry 
​nutritional products​

takes place
​-Sexually transmitted diseases
Silica or silica-related dust
-Cap on losses from certified acts of terrorism
-Specified recreational vehicles and activities - Aircraft/hot air
-Commercial general liability standard exclusions

balloon, Airport, Amusement devices: The ownership, operation,
(CG0001 4/13 edition)

maintenance or use of any device or equipment a person rides
-Communicable diseases
for enjoyment, including, but not limited to: mechanical or
-Cryogenic chambers/therapy
non-mechanical ride, slide or water slide (including any ski or
Cyber incident, data compromise and violation of statutes
tow when used in conjunction with a water slide), inflatable

related to personal data
recreational device, or vertical device or equipment used for
Cycling (other than stationary)
climbing whether permanently affixed or temporarily erected.
Employment related practices
This exclusion does not apply to video games or computer
games or to any device that is specifically designed for the
Fitness/exercise operations related in whole or part, to perform
training or instruction of an activity for which you are enrolled,

as an exotic dancer or any similar occupation in the adult
Animal, Bungee, Dunk Tank, Haunted attractions, Performer,

entertainment industry
Rodeo, Saddle animal, Snowmobile
Fungi or bacteria
Those operations listed as ineligible
Instruction/activities held on or in open water
-​Total pollution with a building heating, cooling & dehumidifying
equipment exception and hostile fire exception
Medical, therapy or health care services
Training programs for law enforcement, public safety and 
Nuclear energy
military personnel
Operation, ownership or management of a fitness, dance or
-​Unmanned aircraft

sports facility