What yoga insurance usually covers
The core policy is often general liability with professional liability. General liability can respond to slip-and-fall or property damage claims. Professional liability can respond to allegations that instruction, adjustment, sequencing, or advice caused harm.
Some policies also include limited rental damage, product liability for small merchandise sales, identity protection, or stolen equipment coverage. Always confirm what is included rather than assuming every yoga policy is the same.
Typical limits instructors see
Common yoga instructor policies advertise limits such as $1 million per occurrence and $2 million aggregate. Studios, gyms, municipalities, and event organizers may request those limits on a certificate of insurance before you teach.
Higher limits may be available if you teach retreats, hire other instructors, rent space, or sign contracts with more demanding insurance requirements.
What affects annual cost
Cost depends on whether you teach part time or full time, where classes happen, whether you provide hands-on adjustments, whether you teach higher-risk modalities, your state, limits, optional coverages, and claims history.
Part-time instructors may find annual policies relatively affordable, but one-day or event-only coverage can be useful for occasional workshops. Compare annual cost against how often you need certificates.
Questions to ask before buying
Ask whether online classes are covered, whether private lessons in a client's home are covered, whether additional insured certificates cost extra, and whether coverage follows you across multiple studios or only applies at one location.
If you sell products, host retreats, train other instructors, or rent your own studio, you may need broader business coverage than a basic instructor policy.