At the current time, instructors are not required to hold a Pennsylvania yoga insurance policy in order to teach. Liability insurance is required by the business owners, gyms, and other facilities, but the individual instructor is not required to carry a policy in order to teach courses.
For those who plan on becoming licensed, there is a 200-hour standard and a 500-hour advanced registered yoga system that can be completed. It includes training in the many forms of yoga, the breathing techniques, posture and movement modifications, training with younger children (for special licensing through advanced), and other skills you need to instruct your students. Depending on where you plan on working, and what the requirements with licensing are, you will choose either of the two options to receive your licensing. If you own your own studio, it is best to have the 500-hour training, as it is the only way to ensure you know all methods and forms and have the special licensing that is required to train younger children or certain forms of yoga.
Like any business, if you own your own studio, business insurance is required; the same goes with larger gyms and facilities. Additionally, if you are an instructor in a larger gym, they tend to have basic Pennsylvania yoga insurance for instructors, but it is in your best interest to purchase more coverage. In the event someone is injured in your class, or if they are injured shortly after, it is the only way to know you are fully covered and are not going to be paying any expense out of pocket, due to the fact that your insurance policy (through your employer), only covered you to a certain extent or a certain dollar amount.
Your professionalism is on the line, and as a professional yoga instructor, it is just smart practice to carry a Pennsylvania yoga insurance policy. It is affordable when you go through the right insurer and compare policies, and it is the only sure-fire way for you to know you are going to be covered if someone is hurt on the premises or during your class. So, if you are debating whether or not to spend on the policy, it is well worth looking into policy options, so that you can find something affordable and comprehensive.