Bikram Yoga Liability Insurance
Guard Your Bikram Yoga Career with Unrivaled Liability Insurance

Bikram Yoga, also known as hot yoga, was developed and popularized in the early 1970’s by Bikram Choudhury, a 67-year-old yogi and undisputed All-India National Yoga Champion. His method utilizes 26 Hatha postures and two Pranayama breathing exercises, all of which are performed within a 90-minute yoga sequence.
More notable than the time constraint, however, is the high temperature in which Bikram Yoga is practiced: classes are ideally taught in rooms heated to 105°F, with around 40-60 percent humidity. The extreme heat is said to increase the body’s flexibility—an important measure to take considering this class works out every muscle, ligament, joint, tendon and organ in the body.
Bikram Yoga Teacher Insurance
While yoga teachers make every effort to teach their students about body awareness & safe movement, accidents still happen. It is imperative that your yoga liability insurance provides the two most important kinds of coverage: professional and general liability.
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Pro 1 Year
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STUDENT 1 Year
One Time Only*
$60
*Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
History of Bikram Yoga
Bikram Choudhury began practicing yoga at age four, winning four National India Yoga Championships by the time he was 16 years old. It is no surprise then that along with developing his own yoga practice, he is also the founder of the Yoga College of India, as well as a celebrated author on the subject. In 2007, the yogi published his most popular book, Bikram Yoga, which delineates each posture in his sequence along with its potential health benefits.
While there were only four Bikram studios in 1994, there are an estimated 1,600 around today, and this isn’t the only proof of the discipline’s heightened popularity. Along with numerous celebrities, Bikram’s clients include US Presidents Reagan, Nixon and Clinton, as well as Britain’s Prince Harry.
Health Benefits
While some are drawn to Bikram Yoga in admiration of the yogi’s lifelong dedication to his craft, the extreme popularity of this particular discipline is likely due to the health benefits arising from it. Similar to the other yoga disciplines, these benefits include improved flexibility, strength, posture and weight loss. However, Bikram Yoga has even more potential for such outcomes because of the high temperature in which it is practiced. Heat causes muscle relaxation and increased circulation, consequently aiding in one’s ability to stretch and balance.
Moreover, the substantial amount of sweating that occurs in Bikram classes functions as a sort of detox, cleansing the body of its toxins. According to Dr. Leanna Standish, N.D., Ph.D., Bikram yoga may be used as part of the treatment plan for patients with Hepatitis C, as well as the aftercare plan for chemotherapy patients, for that very reason. While it may not cure any of these diseases, it certainly makes an impact on the mental and physical health of those who practice it. However, it is not advised for everyone. Pregnant women, as well as people with certain health complications, such as a past history of heat strokes, should not partake in this type of yoga.
Bikram Yoga Teacher Training
Although the sweating tied to Bikram Yoga can be very beneficial, it’s important to keep a few things in mind:
- Wear appropriate clothing—Avoid loose clothes because they retain more heat!
- Bring your own yoga mat and towel—Make sure your mat isn’t a bacteria breeding ground by cleaning it yourself!
- Drink water before and after class—Your body detoxes as you sweat so replenish it with fresh water!
Bikram Yoga Sequence: 26 Postures
Posture | Sanskrit Name | English Name |
1 | Pranayama | Standing Deep Breathing |
2 | Ardha-Chandrasana | Half Moon Pose |
3 | Utkatasana | Awkward Pose |
4 | Garurasana | Eagle Pose |
5 | Dandayamana-Janushirasana | Standing Head to Knee |
6 | Dandayamana-Dhanurasana | Standing Bow Pose |
7 | Tuladandasana | Balancing Stick |
8 | Dandayamana-Bibhaktapada Paschimotthanasana | Standing Separate Leg Stretching Pose |
9 | Trikanasana | Triangle Pose |
10 | Dandayamana-Bibhaktapada-Janushirasana | Standing Separate Leg to Knee Pose |
11 | Tadasana | Tree Pose |
12 | Padangustasana | Toe Stand |
13 | Savasana | Dead Body Pose |
14 | Pavanamuktasana | Wind-Removing Pose |
15 | Pada-Hasthasana | Sit Up |
16 | Bhujangasana | Cobra Pose |
17 | Salabhasana | Locust Pose |
18 | Poorna-Salabhasana | Full Locust Pose |
19 | Dhanurasana | Bow Pose |
20 | Supta-Vajrasana | Fixed Firm Pose |
21 | Ardha-Kurmasana | Half Tortoise Pose |
22 | Ustrasana | Camel Pose |
23 | Sasangasana | Rabbit Pose |
24 | Janushirasana and Paschimotthanasana | Head to Knee and Stretching Pose |
25 | Ardha-Matsyendrasana | Spine-Twisting Pose |
26 | Kapalbhati in Vajrasana | Blowing in Firm Pose |
NACAMS Liability Coverage Details
General Liability Insurance
This type of insurance, also known as “slip and fall” insurance, covers you if someone slips and suffers an injury. 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.
Professional Liability Insurance
If a student claims you gave incorrect instructions or over-corrected a student’s posture in a pose – then professional aka malpractice insurance would protect you.

Professional liability insurance can save you thousands in medical and legal fees.
Liability risks yoga insurance can shield you from include:
Yoga teachers, no matter how long they have been teaching, may unintentionally cause harm or injury to clients. In such instances, they could be held accountable for professional negligence or malpractice. Professional and general liability insurance can help cover legal expenses and potential settlements in these situations.
There's a risk of clients slipping, tripping, or falling, which can result in injuries. Liability insurance offers general liability coverage to protect against legal and financial repercussions if a client is injured during such incidents while under your care
If a client suffers adverse effects from treatments or product recommendations, such as essential oils or incense. This coverage can help manage the legal and financial implications of such incidents.
If your personal information is compromised, leading to fraudulent activities or financial loss, this coverage provides financial assistance and support to restore your identity and mitigate damage
If a teacher's statements about a student is perceived as defamatory by a client, fellow student, or instructor, liability insurance can provide protection against potential legal claims.
Yoga Styles
In addition to the yoga teaching, NACAMS also provides protection for wellness practitioners who offer services like sound healing, massage therapy, yoga therapy, crystal healing and more. Explore all of our covered yoga disciplines.

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It’s very easy to buy a protection policy online as a self-employee from NACAMS (covers 50 states). It’s so important to have one. You don’t know what will happen when you don’t have any protection for your jobs.
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Yoga Teacher State Requirements
Whether you're a seasoned teacher or just starting your journey, understanding your state's specific guidelines for yoga instruction and liability coverage is crucial. Currently there are no states that require yoga licensing. In terms of certification requirements, there are no universal standards meaning two certified teachers from separate YTTs can have different skill sets.
Our state-by-state insights break down everything in regards to insurance requirements & recommendations, helping you stay protected while focusing on what you love—teaching yoga.
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 500 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 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. An identity protection plan is 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 $60 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. We find these limits to be well suited for the industry.
Our policies comes with many different benefits included at no extra fee. Members get a free professional website, a monthly newsletter, free professional resources, and tons of member discounts on gear and accessories.
References
- [1] Miaminewtimes.com
- [2]“Prenatal Yoga.” Mayo Clinic. www.mayoclinic.com/health/prenatal-yoga/MY01542. Published Jan. 22, 2013. Accessed Sept. 16, 2013.