While it may please any yoga instructor to learn that the state of Idaho does not require a yoga teacher to have any form of liability insurance, it is nonetheless common sense to have insurance coverage in the 21st century. All too often claims can be pursued for the seemingly most trivial of reasons. For example, an essential oil used to freshen the air in a yoga classroom may cause an allergic reaction in a student or visitor, resulting in a claim. It may be that the claim is indeed trivial and gets thrown out, but without insurance the teacher will have to bear the cost of defending it. This is a case of extending mindfulness in the moment beyond the mat.
]Any business serving the public – which is just about every business – is at risk. A good insurance policy for teachers of yoga will cover three main areas.
The first of these is what is known as “slip and fall” or general liability insurance. Any accident which occurs on the premises, whether in the studio or in the yoga classroom, is covered, the first being coverage of the building itself (whether you own it or simply rent it) and the second which covers you, the yoga instructor, who might also be held liable.
The second type of insurance that should be covered in a strong yoga policy is that of malpractice or professional negligence. If a claim is brought against you for negligence or incompetence in your position as the yoga teacher this part of the insurance would be the part that covered such a claim. Even if you are not at fault – and it is subsequently found to be the case – you still have to pay all the legal costs which you may never recover. This, of course, might very well put you out of business through no fault of your own.
You need to be aware how vindictive people can be, especially when they are using a “no win, no fee” lawyer.They have nothing to lose and everything to gain, and it has to be remembered that the lawyer does have something to lose (his time) but that aside has everything to gain also. You, however, have everything to lose and nothing to gain.
The third part of your insurance should cover anything like equipment failure, or as we said above something as simple as an allergic reaction to an air freshener.
As a professional you need to be aware of the many different claims that can be made against you, whether or not you are at fault. Despite the fact that there is no state requirement in Idaho, it makes sense to protect yourself and your business and have complete peace of mind. Yoga insurance is relatively inexpensive and you owe it to yourself and your family to protect yourself in every way you can.