This probably seems rather obvious at first, but there are little things that can turn out to be safety hazards that you never even notices. For starters, you will want to make sure all walk ways are clear of any objects that might cause a slip, trip or fall. Check to be sure any rugs you have are secure so they don’t slip or furl beneath a client’s feet. If you have plants or other objects placed on the floor, they should be well out of the way of any foot paths.
If your yoga studio is based in a place where the weather could have an effect on the safety of the outdoor portion of your property, then that will need to be part of your safety check as well. There should be no branches or rocks on the sidewalks, and any snow or ice needs to be cleaned up before clients arrive.
Another place where safety can be a factor is in the products you use in the session room at your yoga studio. You will want to be sure to find out about any allergies or sensitivities your clients might have, so that you know that any products you use will not result in a flare up, irritation or allergic reaction.
Still, even with all of these precautions taken and then some, yoga teachers still carry a risk by doing business, and that risk should be insured. By purchasing yoga insurance, you can create a safety net for any accidents or damages that might occur despite your best efforts to create the safest environment possible for your clients.
The truth is, not every accident or unexpected occurrence can be accounted for and prevented through daily safety measures. This is the reason that yoga teacher liability insurance exists—to protect practitioners from those rare and unpredictable scenarios that could otherwise ruin a successful career.
For example, a client could slip, trip or fall on his way into your session room for a class. This could happen even if there are no obstacles in the way and nothing at all that could cause a slip, trip or fall. Still, the accident could happen, and the client could decide to sue you for the damages.
In this case, the general liability portion of your yoga teacher liability insurance would kick in to provide the protection you need in order to face this client’s claim. Other aspects of a solid yoga instructor insurance policy should include malpractice liability insurance and product liability insurance.
These two portions of your yoga insurance policy will provide protection in the rare case a client claims damage or injury due to a lack of skill or competence on your part or due to a product used during the teaching session.