A yoga teacher is usually self employed, teaches in rooms belonging to other people, and is asked for a certificate by every one of them. The cover is inexpensive and the details matter: which styles you teach, whether you use hands on adjustments, whether you teach pregnancy or therapeutic classes, and whether you teach online. Each of those is a line on the schedule rather than an assumption.
The venue asks first
Studios, gyms, church halls, schools and community centres require public liability before a class can run, name a limit and want the certificate in the teacher's own name. Two million pounds is common and five million appears on local authority and school bookings. Professional indemnity sits beside it for the teaching itself, which matters where a student says an instruction or a sequence caused an injury.
Styles, and the ones that are listed separately
Hatha, vinyasa and yin sit in the ordinary band. Hot yoga, aerial, pregnancy, children's classes and yoga therapy are commonly listed separately and sometimes require specific training, because the exposures differ: heat, equipment suspended from a ceiling, a physiologically different student, and a therapeutic claim respectively. Teaching one of those on a general policy is the usual uninsured case.
Hands on adjustments and consent
Physical adjustment is contact, and a student who says an adjustment caused an injury has a claim that turns on consent, on the adjustment being appropriate and on the teacher's training. Recording consent preferences at the start of a class, and respecting them, is both current practice and the defence. Some insurers ask whether adjustments are used at all.
Online classes, and where the student is
Teaching over video removes the room risk and adds two questions: whether the policy covers instruction given to somebody you cannot see, and where that student is. Territorial limits matter once students are outside the United Kingdom, and some wordings exclude instruction to participants abroad. It is a question worth asking before a class list goes international.
Questions people ask about yoga teacher insurance
Do yoga teachers need insurance?
No statute requires it, and every venue does. Studios, gyms, halls and schools require public liability at a stated limit, and professional indemnity answers for the teaching itself.
Are all yoga styles covered?
Only those on the schedule. Hot, aerial, pregnancy, children's and therapeutic yoga are frequently listed separately and sometimes require specific training, so the styles you teach need to match the policy.
Are hands on adjustments covered?
Where the policy contemplates them, and the claim turns on consent and on the appropriateness of the adjustment. Recording consent preferences at the start of class is both current practice and the defence.
Does the policy cover online classes?
Usually, and it should be declared, because instruction given remotely is a different exposure and because territorial limits matter once students are outside the UK.