All businesses have to accept certain responsibilities and commercial yoga instruction is no exception. Those offering yoga classes to the public are presenting a great service, but there will be liability risks inherent in doing so. To protect you, the instructor, from major financial losses in the aftermath of an unforeseen accident, acquiring Michigan yoga insurance is strongly advised for instructors in the Wolverine State.
Liabilities are often described as acts of negligence. Negligence can be a somewhat ambiguous term, since acts of negligence are not always deliberate. Simple errors and omissions can lead to accidents and mishaps. Sadly, it today’s litigious society, such occurrences may bring forth civil litigation that can destroy a yoga instructor both professionally and personally. Having the right policy in place can help offer some level of protection.
The liabilities that can emerge when teaching yoga can come from angles some would not immediately think of. Slipping on a yoga mat because it has a manufacturer’s defect would be one. A yoga student who suffers from a major allergic reaction after an encounter with an essential oil used in the classroom is another. Situations such as these could fall under the heading of product liability.
A student with back problems who takes yoga lessons and discover his back has gotten worse after several lessons could claim liability as well on the basis of malpractice.
Whether or not these claims have merit ultimately will rest with a jury or judge’s decision. Unfortunately, these persons are not experts in yoga, so they might be making decisions based on little more than guesswork. Once you take issues such as these into consideration, procuring a blanket Michigan yoga insurance policy might prove to be the best decision.
In Michigan, there have been rules on the books that regulate those who certify yoga instructors to teach. However, there does not seem to be any out of the ordinary licensing or education requirements to teach yoga to the public. In some cases, this can work against a person in a civil suit, since questions about qualifications might be harshly raised.
Having a decent Michigan yoga insurance policy in place could help decrease the damages in the aftermath of a problem. For under $200 a month, over $2 million in liability coverage might be acquired. An insurance policy will not make all the problems go away, but it can definitely reduce a number of them. Once certain burdens are lifted off the shoulders of the yoga instructor, it then becomes easier to concentrate on what is most important: being a great teacher running a great class.