subject: Yoga instructors can relax with liability insurance [print this page] Yoga instructors can relax with liability insurance
As a yoga instructor, your primary and general aim most likely is to provide the many benefits of a yoga practice to each and every one of your students. Whether a person is learning yoga for the first time or working on more advanced poses, the yoga instructor plays a key role in teaching and training his or her students.
If your main goal is to help students learn and practice yoga, you may believe you are free from the need for liability insurance. After all, it is difficult to imagine any type of harm coming to a person during a healing, restorative yoga class, or even during a fast-moving and physically challenging yoga session. However, a brief analysis makes clear the need for liability insurance for nearly every person who does business with the publicyoga instructors included.
The good news is that a strong yoga instructor liability insurance policy will not cost you very much money. This comes as a surprise to quite a few folks who are new to the field and just beginning their careers as yoga teachers, whether in private practice or as part of a studio, fitness center, medical facility or another form of group employment setting. In fact, you can have all the coverage you need for less than $200 per year, and that fee is typically deductible as well.
For this minimal amount of money, yoga instructors can purchase something rather priceless: peace of mind. With a high quality yoga instructor liability insurance policy, you will be covered for a wide range of scenarios that could occur beyond your control. One key thing to keep in mind as you search for the right policy for you and your yoga practice, is that liability insurance specifically geared toward yoga instructors may be your best bet.
This type of yoga instructor liability insurance should off the three core components of liability insurance, which are malpractice insurance, general liability insurance and product liability insurance. For example, with the malpractice liability insurance, you will be covered in case one of your students claims damage or injury due to lack of skill or competence on your part.
With the product liability insurance, you will be covered in case a student claims damage or injury due to a product used during the yoga class, such as mat that may have irritated the student's skin or a faulty prop that led to a student's injury. In terms of general liability insurance, this is the part of your yoga liability insurance policy that will provide protection in case anyone slips, trips or falls on the property of your practice.
Of course, with the right yoga teacher insurance policy you should be able to get even more benefits on top of the three major aspects of protection described above. Among the additional benefits you should seek within your policy are identity protection insurance, rental damage coverage, and some kind of reimbursement for cases of lost or stolen work equipment.
Weighing the pros and cons of yoga instructor liability insurance, it is easy to see that the small annual fee required is well worth the wide range of benefits provided to ensure peace of mind.
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