Yoga Teacher Insurance
Excellent-rated liability insurance that covers yoga teachers wherever they teach. No membership fee required and get fully covered for less than 44 cents per day.

Live streaming and pre-recorded video covered

Easy monthly payment options starting at $16.41

Occurrence-form for complete protection

490+ modalities covered including acro & SUP yoga
Three Great Yoga Insurance Options
Save $78 by getting the 2-year yoga insurance policy. Plus the student policy has the same coverage as the professional. Here's a little tip - a YTT student can buy a $55 student insurance policy from NACAMS on the last day of their training before they are certified, and that policy is good for the next 364 days even if they are teaching full time (initial certification only).
Professional
1 Year (12 mo)
$179
pro 2-year
2 Year (24 mo)
$279.95
Student
1 Year (12 mo)
$55
Yoga Instructor Insurance Highlights
While you may not have considered it, professional insurance is an investment every yoga teacher should make.
Why? In simple terms, insurance is relatively low cost (especially when compared to the price tag of an average lawsuit); it will allow you to work in venues that require individual yoga instructor professional insurance; and having yoga liability coverage will protect you from claims regarding accidents and other occurrences that can happen in your yoga studio.
Coverage Details

490+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 490 yoga, massage, & beauty modalities like yoga therapy, Pilates, hot stone, reiki, cupping, kinesiology and more. See all ›

Get free member benefits such as an easy-to-customize website, up to 25% of Hertz, up to 75% off Office Depot, up to 50% off UPS, up to 30% off Lenovo, up to 60% off of hotels worldwide, and 40% off universal background screening.

Protect Your Items and Equipment
NACAMS includes Product Coverage, Rental Damage Insurance, and Stolen Equipment Insurance with our General and Professional Liability Coverage. These cover any claims made against products you recommend to your students, damage to rental equipment, and your theft of your business equipment.

Insurance Marketplace
Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay.
Stay Protected with an Occurrence-form Policy
Occurrence Form is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect. Other providers sell Claims-made policies where any claim filed after the policy expires will not be covered. No matter if you choose NACAMS, definitely make sure your provider is "occurrence form."
Are You a Student in Yoga Teacher Training?
For just $55 get the full coverage and member benefits of a professional policy. Plus, the coverage is good for a full year after you graduate.
NACAMS was so quick and easy to purchase student insurance through. I feel confident and established now to have my yoga insurance so I can continue learning and practice teaching now and in the future.
Nicole, January 17th 2020
Why Do You Need Yoga Insurance?
While yoga teachers make every effort to teach their students about body awareness, accidents can still happen. It is imperative that your yoga liability insurance provides the two most important kinds of coverage: professional and general liability.
In fact, a primary form of insurance that a yoga teacher policy includes is general liability insurance. This type of insurance, also known as “slip and fall” insurance, is the kind that almost every business wants and needs. If someone slips on a small spill and suffers an injury, for instance, a lawsuit can happen. This type of accident can happen anytime, anywhere, and any business that allows a customer on the property is a candidate for such a claim.
Yoga, of course, is also a physical activity. Anyone who has ever gone to a yoga class knows this. As a result, the potential for physical injury is high. In your yoga class, you likely have a wide range of physical health and natural agility among your students. If you have a student who is just getting back into shape and that student gets injured, you, the teacher, could be sued. It may not be your fault, but if the injury happens during your yoga class, you can still be singled out for a claim.
If a student claims you did something inappropriate in class – gave incorrect instructions or over-corrected a student’s posture in a pose – then the professional (malpractice) portion of the insurance would protect you. Even the best yoga students can, and sometimes do, push their physical limitations. You may give excellent instruction, but they may ignore you and subsequently injure themselves. You may not be wrong, but it won’t matter if they decide to sue you. You will literally have to pay to go through the process – unless you have yoga instructor insurance. Checkout our Insurance Guide.
It’s worth noting that yoga studio insurance will usually provide some form of general liability coverage, but remember that yoga studio insurance doesn’t cover you, the individual yoga instructor. As a result, you may still be sued and found liable.
Securing insurance is really the only way to make sure that you’re completely covered in any space. Remember, too, that if you’re ever a guest yoga instructor at another location, you may need your own liability coverage in order to conduct your class there.By enrolling in a quality yoga insurance program, you can have additional peace of mind, knowing that you have the all of the coverage you need in case of the unexpected.

Yoga Liability Insurance eBook

This eBook will help you understand the importance of protecting your yoga practice with liability insurance by:
Need Personal Training Insurance? Click Here to check out our partners at Insure Fitness Group
NACAMS Insurance Reviews
Need to Weigh Your Insurance Options?
Compare Yoga Insurance Providers
Compare yoga liability insurance in the grid below:
Benefit | Yoga Alliance | IDEAFIT | Yoga Journal | Namasta | Alternative Balance |
NACAMS |
|||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Professional & General Liability Insurance |
✓ |
$2 million per occurrence $4 million individual annual aggregate |
✓ |
$2 million per occurrence $4 million individual annual aggregate |
✓ |
$2 million per occurrence $4 million individual annual aggregate |
✓ |
$1 million per occurrence $1 million individual annual aggregate |
✓ |
$2 million per occurrence $3 million individual annual aggregate |
✓ |
$2 million per occurrence $3 million individual annual aggregate |
|
Products Individual Annual Aggregate |
✓ |
$2 million | ✓ |
$1 million | ✓ |
$2 million | ✓ |
$1 million | ✓ |
$2 million | ✓ |
$2 million | |
Occurrence Form Coverage |
✘ |
Claims Made | ✓ |
Yes | ✘ |
Claims Made | ✓ |
Yes | ✘ |
Claims Made | ✓ |
Yes | |
Rental Damage Coverage |
✓ |
$100,000 | ✓ |
$100,000 | ✓ |
$100,000 | ✘ |
$300,000 (Fire Only) | ✓ |
$300,000 | ✓ |
$100,000 | |
No Membership Fee | ✘ |
$50 | ✘ |
$129 | ✘ |
$69.99 | ✘ |
$199 | ✓ |
No Membership Fees | ✓ |
No Membership Fees | |
Stolen Equipement Coverage |
✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✓ |
$1,000 *$250 Deductable | |
Identity Protection |
✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✓ |
$25,000 | |
Free Professional Website |
✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✓ |
Yes | |
Free CEU's | ✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✓ |
Yes | |
Includes Coverage for 350+ Services |
✘ |
No | ✘ |
No | ✘ |
No | ✘ |
No | ✓ |
Yes | ✓ |
Yes | |
Annual Fee | $183/$233 | $294 | $224.99 | $305 | $249 | $179 | |||||||
NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information. This information was confirmed on 2/8/18. |
BUY NOW |
Benefit | Yoga Alliance | IDEAFIT | Yoga Journal | Namasta | Alternative Balance | NACAMS | |||
---|---|---|---|---|---|---|---|---|---|
Professional & General Liability Insurance |
✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
Products Individual Annual Aggregate |
✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |||
Occurrence Form Coverage |
✘ | ✓ | ✘ | ✓ | ✘ | ✓ | |||
Rental Damage Coverage |
✓ | ✓ | ✓ | ✘ | ✓ | ✓ | |||
No Membership Fee | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | |||
Stolen Equipement Coverage |
✘ | ✘ | ✘ | ✘ | ✘ | ✓ | |||
Identity Protection |
✘ | ✘ | ✘ | ✘ | ✘ | ✓ | |||
Free Professional Website |
✘ | ✘ | ✘ | ✘ | ✘ | ✓ | |||
Free CEU's | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | |||
Includes Coverage for 350+ Services |
✘ | ✘ | ✘ | ✘ | ✓ | ✓ | |||
Annual Fee | $183/$233 | $294 | $224.99 | $305 | $249 | $179 | |||
NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information. This information was confirmed on 2/8/18. |
Yoga Styles Covered by NACAMS
- Massage
- Cosmetologists
- Fitness / OTPT
Acro Yoga
Acu-Yoga
Acupressure
Acuu-Yoga
AMMA
Amrit
Ananda
Anusara
Ashtanga
Ayuveda
Baptiste
Bhakti
Bikram
Body Work Therapy
Buti Yoga
Chair Yoga
Chi Kung
Chi Nei Tsang
Core Power Yoga
Forrest
Hatha
Instruction
Integral
Integrative
ISHTA
Iyengar
Japa
Jivamukti
Jnana
Kali Ray TriYoga
Kharma
Kripalau
Kundalini
Laughing
Massage Therapists
Medical Qigong
Meditation
Naam Yoga Therapy
Nidra Yoga (Form of meditation)
Nuad Bo 'Rarn
Phoenix Rising Power
Power
Prenatal
Primordial Energetics
Raja
Reflexologists
Reiki Practitioners
Restorative
Sculpt yoga
Sivananda
Stand Up Paddleboard (SUP) Yoga
Svaroopa®
Tibetan Cranial
Tuina
Viniyoga
Vinyasa
White Lotus
Yin
Yoga Therapy*
YogaFit® Personal Training
*Coverage for Yoga Therapy is only available for those professionals who (1) are a certified yoga therapist through the International Association of Yoga Therapists, (2) provide a client information document to their clients explaining the nature and extent of the services being provided, and (3) understand and communicate to their clients that Yoga Therapy is not a licensed healthcare profession in the state or jurisdiction in which they practice.
Yoga Insurance FAQs
Do you have questions about yoga liability insurance in general? Or maybe questions about the coverages, details, and benefits offered by NACAMS yoga liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.
With NACAMS, we use our expert knowledge and experience in the field to produce a one-of-a-kind yoga insurance program that blends great coverage with great rates. For only $179 per year you get the peace of mind of full coverage for general and professional liability, product liability, and many other additional protections. Let’s compare this low, annual rate to a potential, if not all too common, claim that could present itself.
During a difficult vinyasa, a student in your class pushes their body harder than they should and they tear a muscle. The torn muscle requires surgery and months of rehab. Because the student is a delivery driver, they are not able to do their job so have lost wages as well. The student decides to seek legal action against you for the full cost of the medical bills and their lost wages. With our insurance program, this professional liability event would be covered all the way up to $2 million and would cover both the claim costs and any legal defense costs you might need.
A really unique aspect of our program compared to other insurance carriers out there is that we choose to provide coverage for hundreds of different modalities, all included at no extra cost. Many programs only cover a limited few modalities then upcharge members if they want to add an additional covered service to their policy. We went the opposite route and covered the majority of popular services in use today because we know that the perfect asana often requires incorporating multiple techniques. Browse the more than 350 different yoga and wellness services we cover.
We know yoga instructors have a wide variety of choices for insurance today. When comparing your options, you need to remember this policy should be the best yoga insurance for you. Thinking of your unique situation, here’s a few key questions to look out for:
- Does the yoga teacher liability insurance program have adequate general and professional liability coverage limits?
- General and professional liability claims are by far the most common we help our members with. General liability (slip and fall) provides members with coverage for third party claims of injury or property damage. Professional liability (malpractice) provides coverage for claims relating to the services you provided to a client. Our yoga insurance provides $2 million for each occurrence and a $3 million individual annual aggregate.
- Does the yoga insurance program include any additional layers of protection?
- While general and professional liability coverage may cover the bulk of liabilities faced, without a few additional layers of protection, key areas could still present great risks to a professional. Product liability coverage, rental damage insurance, stolen equipment coverage, and even an identity protection plan are all included in our plans as part of an effective risk management strategy.
- Is my service covered under the program?
- One of the worst shocks you can experience is to think you are covered by your yoga insurance only for them to say that the unique services you provide aren’t actually covered under the policy. Our policies provide coverage for hundreds of different health and wellness services so members can focus on providing a great experience to their students rather than if a given service is covered or not.
Certainly. Students in yoga teacher training are unfortunately still opening themselves up to liability should an unforeseen event occur. While the possibility for this is less during your student training than as a professional, all it takes is one event to possibly sideline an entire career. We provide all of the same coverage limits, protections, and benefits of our professional policies to students at the discounted rate of only $55 a year. You could also potentially wait until you are nearly through with your program and then lock down coverage. That way, when you first enter the field you get to have full coverage and great benefits for a full year at the low students-only rate.
Definitely. In the yoga teacher liability insurance world, the concept of coverage following you is called “portability”. With our professional yoga insurance policy, members enjoy full portability. Even if you change your job or even move to another state, your yoga insurance policy will follow you as long as you still meet the requirements to perform services as issued by your new locale. Follow this link to find yoga insurance requirements by state.
Yes, this is definitely something we offer. Our benefits program is incredibly rich and we attract many that simply want to take advantage of the hundreds of dollars worth of perks. You can purchase a one-year benefits only plan which does not include insurance for just $39.
Indeed you can. Yoga is all about flow and flow requires flexibility in mind and in body. Whether you choose to guide students through their flows in a park, in your home gym, on a paddleboard, or anywhere in between, you will enjoy the full benefits of coverage under our yoga insurance program. If you decide one day that you want to start a yoga studio, you are still covered. Our yoga teacher liability insurance program includes full portability which means you get coverage no matter where you decide to provide services within all 50 states.
Only you can decide what is best for your situation but yoga insurance is an important, if not necessary, protection to anyone providing client-facing services. True, yoga is less stressful on the body than many other forms of exercise but a session can still be physically demanding which gives the possibility for injuries to occur.
Even offering your services at all opens you up to many forms of liability. A liability is something you have a legal responsibility to pay. If a client were ever injured during your session and files suit, the courts may decide you are responsible for paying for their costs. You can certainly decide to forego purchasing insurance but you will be gambling your personal finances and your career should an unforeseen event give rise to a claim.
A really important aspect of a yoga insurance program is whether it uses occurrence form coverage or claims made coverage. Occurrence form coverage says that it doesn’t matter if you file a claim after your policy expires for a claim event that happened during the time when the policy was active - the claim is still covered. Our yoga insurance program gives you a full two years after your policy has expired to report a claim.
For example, you provide a yoga class on 12/15 and then on 12/31 your yoga insurance policy expires. Months later, you get word that a student in your 12/15 class is filing a claim against you. With occurrence form coverage, you can still file a claim even though your policy has long-expired. Claims made coverage is the opposite - it says if the policy is expired, no claims will be covered even if the event occurred at a time when the policy was indeed active. Occurrence form coverage is employed in our yoga insurance policies and definitely the industry-preferred option.
Yoga liability insurance needs to provide an adequate level of coverage based on the risks inherent to the health and wellness industry. NACAMS is a recognized leader in yoga and alternative medicine and so designed our program to provide appropriate levels of coverage but still be affordable for our members. With that, we provide $2 million for each occurrence and $3 million in total for each policyholder per year in professional and general liability coverage. We also include $2 million in product liability coverage, $100,000 for rental damage insurance, and $1,000 with a $250 deductible for stolen equipment. We find these limits to be well suited for the industry.
Absolutely. Stolen equipment coverage is included as an additional protection with our yoga teacher insurance program. We know how essential your yoga equipment is to you providing a great class for yoga students, so we include all the way up to $1,000 worth of stolen equipment protection with a $250 deductible.
Our policies comes with many different benefits included at no extra fee. You get additional protection like stolen equipment coverage, rental damages coverage, and an identity protection plan. As well, members get a free professional website, a monthly newsletter, free professional resources, and tons of member discounts on gear and accessories.