As a professional yoga teacher, you may be able to think of a long list of good reasons why you should not have to purchase yoga liability insurance. However, none of those reasons really matter when this simple fact exists: accidents happen. Remember, a core piece of your yoga liability insurance policy is general liability insurance, which is there to provide coverage in case a client has an accident of some kind on the property of your yoga practice.
Just like any other business or service provider that does business with members of the public, where members of the public come onto the property of the business, yoga teachers need protection from the rare but possible occurrence of an accident. For example, imagine that a client happens to trip on her way into your session room, and the trip results in a broken ankle. If that client decides to file a claim against you for the damages, you will need the general liability portion of your yoga teacher liability insurance policy to provide the coverage you need.
Fortunately, the cost for a high quality yoga teacher liability insurance policy is quite low, most likely due to the fact that the odds of a client filing a claim against his or her reiki therapist are relatively low as well. This means that for less than a couple hundred dollars per year—usually a tax deductible expense—you can have the protection and peace of mind of yoga liability insurance.
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