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Integral Yoga Liability Insurance

Guard Your Integral Yoga Career with Unrivaled Liability Insurance

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Integral Yoga is a mind-body practice that synthesizes various disciplines of yoga, including Bhakti, Hatha, Japa, Jnana, Karma and Raja. The comprehensive yoga system is particularly popular in the United States due to its amalgamation of the Eastern and Western approaches to yoga. According to the discipline’s founder, Sri Swami Satchidanandaji, the aim of Integral Yoga is “to realize the spiritual unity behind all the diversities… and to live harmoniously as members of one universal family.”

“The whole world is an ocean filled with waves. Learn to float on them and don’t get caught in them. Equanimity, or balance, is Yoga. Learn to balance yourself; then you will enjoy everything.”
– Sri Gurudev

Integral 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.

Most Popular

Pro 1 Year

Just $0.49/Day

$179

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Annual rate of $164.50

Pro 2 Year

Just $0.45/Day

$329

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Save 66%

STUDENT 1 Year

One Time Only*

$60

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*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 Integral Yoga

Sri Swami Satchidanandaji Maharaj, also known as Sri Gurudev, founded Integral Yoga in October 1966, when he established the first Integral Yoga Institute (IYI) in New York City, NY. Soon thereafter, he launched the Satchidananda Ashram-Yogaville in Buckingham, VA, as well as various other International Integral Yoga Institutes.

Satchidananda’s popularity peaked in the ’60s and ’70s, when the hippie subculture began to sweep across the United States. The teachings of Integral Yoga appeared to resonate with the zeitgeist of the era. Sri Gurudev was so popular, in fact, that he gave the invocation at the opening of the Woodstock Music and Art Festival in August 1969.

He is also the celebrated author of several yoga books, including Integral Yoga Hatha, The Living Gita, The Golden Present and To Know Yourself.  Released in 2007, Living Yoga is a documentary that examines the life and lessons of Satchidananda; the film’s commentators include Dean Ornish, M.D., Mehmet Oz, M.D., Sandra McLanahan, M.D., and CNN veteran Larry King.

Health Benefits

According to the clinical research conducted by Dean Ornish, M.D., and his team of scientists, the lifestyle choices sustained by Integral Yoga can reverse the progression of coronary heart disease. Ornish is the founder of the Preventive Medicine Research Institute (PMRI), a non-profit organization that conducts research on the effects of lifestyle choices on health, as well as a Clinical Professor of Medicine at the University of California.

Such choices include diet, moderate exercise, yoga-based stretching, breathing and meditation and enhanced social network, which may include support groups. His research further indicated that other chronic illnesses may be reversed by these lifestyle changes as well.

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.

Insured by NACAMS Trusted Member Seal

Professional liability insurance can save you thousands in medical and legal fees.

Liability risks yoga insurance can shield you from include:

Malpractice and Negligence Claims

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.

 

Slip & Fall Injuries

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

Allergic Reactions

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.

 

Identity Theft Protection

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

Libel or Slander Incidents

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. 

  • Anusara Yoga
  • Ashtanga Yoga
  • Hatha Yoga
  • Bikram Yoga
  • Integral Yoga
  • Iyengar Yoga
  • Sivananda Yoga
  • Yin Yoga
  • Ashtanga Yoga
  • Integral Yoga
  • Jivamukti Yoga
  • Kripalu Yoga
  • Kundalini Yoga
  • Power Yoga
  • Restorative Yoga
yoga teacher styles covered
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Rated Excellent On Trustpilot

We are proud that NACAMS is rated a 4.6/5 (Excellent) on Truspilot. Read some of our reviews below!

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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.

Ha Kim, Member Since 2025

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.

State Requirements for yoga teachers
Review Your State Requirements

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.

Is yoga insurance expensive?

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.

How do you know what services are covered by yoga teacher insurance?

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.

What is the best yoga insurance available today?

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.

Can I get yoga instructor insurance if I’m still in school?

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.

Does yoga instructor insurance follow you if you change jobs?

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.

Is there a way to get benefits-only plan without buying yoga insurance?

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.

Can I get yoga liability insurance if I don’t have a physical studio?

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.

Is yoga teacher liability insurance right for me?

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. 

How long do you have to file a claim with yoga insurance?

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.

What is the appropriate level of liability insurance for yoga insurance?

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.

What additional benefits come with yoga teacher liability insurance?

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

  • “What is Integral Yoga?” Swami Satchidananda. www.swamisatchidananda.org/docs2/iy.htm. Accessed Sept. 20, 2013.
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Speak with an Agent Now: 1 (800) 964-0158
8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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