Montana Yoga Teacher Insurance
Live streaming and pre-recorded video covered
Safe and Secure Online Checkout
Occurrence-form for complete protection
500+ modalities covered including Acro & SUP yoga, Reiki and more.
How Much Does Yoga Insurance Cost in Montana?
With NACAMS, our policy options cost as low as $0.45 per day and can save you potentially hundreds of thousands of dollars if a lawsuit were to occur. Even the most experienced yoga teacher could be held liable if a client were to be injured during one of your classes or even just on your premises.
One of the top reasons professionals choose NACAMS as their professional liability insurance provider is because we cover teachers when training both in-person and online (live & pre-recorded), at no extra cost!
FULL time
1 Year
$179
Full time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first YTT. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their training, and that policy is good for the next 364 days, even if you are teaching full-time!
Professional Yoga Liability Insurance is an Investment Every Yoga Teacher Should Make
Liability insurance is relatively low cost, especially when compared to the price tag of an average lawsuit.
A NACAMS Policy Includes:
500+ Modalities Covered—No Extra Cost
You’re covered for over 500 yoga, massage, & beauty modalities like yoga therapy, Pilates, hot stone, reiki, cupping, kinesiology and more. We make it easy for dual practitioners.
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.
Free Certificate of Insurance
Purchase online or over the phone and you are instantly insured. Download your free certificate of insurance (COI) directly in your member poral.
Access to the Health 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.
What are the Insurance Requirements for Montana Yoga Teachers?
Some yoga insurance policies require that you are a member or that you are certified by a specific organization. Other organizations may offer discounted insurance rates to their members. Make sure you fully understand what requirements a company may have before signing up for their insurance program.
Understanding Yoga Teacher Insurance In Montana
As a yoga teacher it is important that you protect yourself, your clients and your studio from potential lawsuits. While yoga is relatively safe compared to many other physical activities, the risk of injury is always a possibility. As you will see below, there is also a wide range of other situations which may cause a lawsuit to result even if you are not personally negligent.
In recent years, there have been a number of lawsuits against yoga teachers. In 2008, a Chicago-based yoga teacher was sued after a student received injuries two years previously in that instructor’s class. The YMCA where the instruction took place was also named in this lawsuit. There are a number of steps that you can take to protect yourself, including making sure students sign consent forms and never re-positioning a student without asking them first. However, the best way to protect yourself is to obtain comprehensive yoga insurance.
Liability insurance protects yoga teachers from a variety of damages, which may include lawsuits due to physical injury that a person experiences while inside of your studio, or that relates to your own personal loss of equipment. It is important to note that you can still be at risk of a lawsuit even if the damage is a result of a general liability issue, such as a trip or fall that has nothing to do with your teaching skills.
When choosing your insurance provider, you should look at a number of different factors. First, you should choose an insurance provider that understands the yoga business and your specific needs. Second, you should feel that you receive excellent customer support and that all of your questions are satisfactorily answered. Third, you should look at the amount of damages you will be covered for. Fourth, make sure that all forms of yoga that you perform are covered, e.g. Bikram yoga. Last, you should be quoted a price for your insurance which meets your budget.
What Should The Insurance Policy Cover
The insurance policy that you choose should be comprehensive to cover you for all potential problems that you may encounter. This should include:
- Accidental body injury or loss of property at your studio
- Injuries that occur outside of your normal place of business such as a yoga retreat
- Damages that result from products, equipment or supplements that you use in class
- Injuries that result from advice that you have provided such as a position which causes damage to your student while they are practicing at home
- Damage to the studio or other rental property
Conclusion
Obtaining Montana yoga insurance is the best way to protect you and your professional teaching career. Most yoga instructors find that insurance is surprisingly affordable and will usually cover you up to as much as $4 million in damages. A good insurance company or broker will be able to talk you through your options and make sure that you get the right yoga insurance for your needs.
Stay Protected With An Occurrence-Form Policy
Occurrence Form (also known as Occurrence Based) is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect, even if your policy has expired.
Other providers sell Claims-made policies, where any claim filed after the policy expires will not be covered. No matter if you choose NACAM or not, definitely make sure your provider has "occurrence form" coverage.
What Our Customers Are Saying
We are proud that NACAMS is rated a 4.8/5 (Excellent) on Trustpilot. Read some of our reviews below!
It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.
Sally
This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.
Elizabeth
I feel confident with Nacams insurance in my reiki business.
Nancy
Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!
Suzanne
While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!
Jenn
Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.
James