Every yoga professional teaches in a moment where something could go wrong. Verified members teach knowing that moment is covered. The cover is the floor underneath every other thing you build.
Insurance arrangements vary by region, our approach remains the same: professionally verified credentials, specialist cover, and trusted underwriters.
£6M Professional & Public Liability. Nil excess. Multi-location. Online and worldwide temporary trips covered (excluding USA, Canada). Supplied by Balens / underwritten by Zurich, with ARAG legal cover up to £100,000 per claim. See below for more information.
Read the UK pillar Live · Eire Ireland-domiciled teachers€6.5M cover via Balens Europe B.V., authorised by Autoriteit Financiële Markten.
See Eire detail Live · USA US-domiciled teachers$2M Gen & Pro Liability via Insurance Canopy. $159/year. $100 deductible. USA only.
See USA detail Live · Trainee In training (UK / Eire)£25 one-time. Cover for the duration of your training (max 18 months). UK and Ireland combined.
See trainee detail Live · Corporate For studios & corporate buyersHow to book verified YogaPros teachers. Live CV proof of cover. Multi-site, multi-week sourcing.
See corporate detailA venue asks for proof of cover before confirming your booking. A student raises a complaint months after attending a class. A retreat organiser wants reassurance that you're professionally insured before working together. These situations are not unusual; they are part of modern professional teaching.
Explore the boxes below to learn more about the policy. The headline cover is important, but the details underneath is what truly matters when you need support.
Insurance does not activate until your qualifications are verified. The chain runs in one direction.
Upload your qualifications. Add your teaching style, experience, photos.
Every certificate is personally reviewed by the Compliance Team against our professional standards.
Your £6M insurance cover becomes active, your insurance documents are issued, and you can begin teaching with cover in place.
Activation is a manual process. Please allow one business day for our team to review your details. Verification time depends on the qualification; straightforward credentials clear fastest.
Click any card. The front is the situation. The back is what actually happens: who handles it, what the cover does, what timeline to expect.
They let you know after class they are planning to see a physio. A few weeks later, you receive a letter from their solicitor, seeking reimbursement for the physio and compensation.
Tap to see the response →If you receive a complaint, solicitor's letter, or indication that a claim may be made:
Many incidents are resolved without court proceedings, particularly where early guidance and proper claims handling are in place.
← Back to scenarioThey want a certificate showing cover is active, valid for the dates of the booking. They need it within 24 hours.
Tap to see the response →A studio manager asks for proof of insurance before confirming your classes. Instead of scrambling to arrange cover, you already have the documentation ready to go.
For many teachers, having recognised professional insurance is part of what helps studios, gyms, retreat venues, and employers feel confident booking you in the first place.
← Back to scenarioThey bought a class pack last year, participated in the live yoga sessions from their home, and now allege a back injury from a posture cue you gave during the class.
Tap to see the response →If a student raises a complaint or alleges they were injured during a Zoom class:
As online teaching becomes a normal part of professional practice, it's important that your insurance reflects the realities of how and where you teach.
← Back to scenarioThe student attended a 60-minute corporate session you taught at a tech company in early 2025. The complaint references something a colleague allegedly told them was your fault.
Tap to see the response →This is particularly common with corporate or event-based teaching, where you may no longer remember the session clearly. The policy operates on a claims-occurring basis, which means the important factor is whether you held appropriate cover at the time the class was taught.
If a claim or solicitor's letter arrives:
This is one of the reasons professional record-keeping matters, even for one-off workshops, corporate sessions, and event teaching.
← Back to scenarioIt includes indemnity clauses you can't parse and a non-compete that looks aggressive. They want it signed by next week.
Tap to see the response →The retreat venue has asked whether your insurance covers teaching there, or whether you need a separate local policy for the dates you're on the ground.
Tap to see the response →This is why it's important to check the structure of your retreat well in advance, particularly when working internationally or organising experiences beyond teaching alone.
← Back to scenarioDifferent countries take different policies. UK, Eire, and USA each have a dedicated underwriter. Trips abroad sit under the UK policy with explicit exclusions. Click a region.
UK-based YogaPros members benefit from £6M Professional & Public Liability cover, underwritten through Balens / Zurich. The policy includes no excess on liability claims, multi-location teaching cover, online classes worldwide, and temporary teaching trips abroad (excluding USA and Canada), subject to the policy terms. The policy also includes retrospective cover on a claims-occurring basis, alongside ARAG legal-expenses cover of up to £100,000 per claim.
€6.5M Professional, Public & Products Liability cover via Balens Europe B.V., authorised by Autoriteit Financiële Markten (licence 12046134). Nil excess. Claims-occurring basis. Online classes worldwide and temporary trips abroad covered (excluding USA, Canada).
USA cover runs through Insurance Canopy, not the UK Zurich policy. $2M General & Professional Liability, $1M each occurrence, with sub-limits including $300K damage to premises rented and $100K cyber liability. $159/year, $100 deductible. USA-domiciled teachers only.
UK YogaPros members teaching online to international students, or running retreats / temporary teaching trips abroad, remain protected under the UK policy. Excluded territories: USA, Canada. For permanent relocation outside UK / Eire / USA, contact the team. We'll route to the appropriate underwriter.
We built the structure: verification, eligibility, member infrastructure. The cover itself we placed with people who insure professionals for a living.
A specialist complementary-health insurance broker with three decades of yoga-sector experience. Balens Limited (UK Branch of Balens Europe B.V.) holds the UK Master Policy alongside Zurich, designs the wording, and is the first point of contact for every claim.
For Ireland-domiciled teachers, Balens Europe B.V. underwrites the €6.5M policy directly. Authorised and regulated by Autoriteit Financiële Markten in the Netherlands (licence 12046134), the appropriate EU-domiciled regulatory route post-Brexit.
For US-based teachers, Insurance Canopy underwrites a separate policy structured for the US market: $2M Gen & Pro Liability, $1M each occurrence, with sub-limits for premises rented, products, cyber, and gear. $159/year. $100 deductible. USA-domiciled teachers only.
The UK's largest legal-expenses insurer. ARAG provide legal-expenses cover up to £100,000 per claim for criminal defence, disciplinary hearings, tax disputes, jury service, and similar matters. Helpline 0344 893 6911, Mon–Fri 9am–5pm.
Most teachers will never use the policy. The ones who do, almost always panic on day one. There's no need. A structured claims process is in place, handled by the professionals named in your cover.
Phone or email Balens as soon as you become aware of an incident, complaint, or letter. Provide the details you have. Avoid responding directly to the claimant or admitting liability before speaking with the insurer.
You · BalensBalens engages the underwriter and, where the policy requires it, ARAG legal cover. Covered claims are handled subject to the policy terms, with no excess payable on liability claims. You're informed, not exposed.
Balens · Underwriter · ARAGThe full claims procedure is set out in the policy wording, available on request before joining. Email insurance@theyogapros.com for the current document.
Professional Liability & Malpractice Insurance helps protect you if someone claims you have been professionally negligent, have breached your professional duty or have caused injury or harm as a result of a treatment or advice provided. This will cover claims or allegations made against you during the course of running your Yoga and Meditation classes.
If a third party alleges that your professional actions caused them loss or harm, this insurance can:
Cover damages or compensation you are legally required to pay; and
Cover the legal costs and expenses of defending you against the claim.
Cover is always provided subject to the full policy terms and conditions.
Public Liability Insurance helps protect you if someone claims you have caused them injury or damaged their property in a way that is not directly linked to your professional treatment or advice.
For example, this part of the policy can respond if a third party (such as a client or visitor) alleges that, due to your negligence, they have suffered:
If you are found legally liable, this insurance can:
Cover is always subject to the full policy terms and conditions.
Products Liability insurance helps protect you if a product you sell or recommend as part of your business is defective and causes injury or harm to a third party or causes property damage. Liability could attach to you even if you are not responsible for manufacturing the product.
If you are found legally liable, this insurance can:
Cover damages or compensation you are legally required to pay; and
Cover the legal costs and expenses of defending you against the claim.
Cover is always subject to the full policy terms and conditions.
Commercial Legal Expenses cover is provided by ARAG plc and is included as standard as part of the insurance package arranged for YogaPros members.
It provides:
The Commercial Legal Expenses policy has a limit of liability of £100,000 per claim.
The ARAG legal helpline is available Monday-Friday, 9am-5pm on 0344 893 6911.
Please note: Any claims or incidents that may be covered under this policy should be notified to Balens in the first instance.
The policy is mobile, which means you are covered to practise in line with your qualifications within the territorial limits of the policy.
This includes, for example:
If you are unsure whether a specific location falls within the territorial limits, please check your policy wording or contact Balens.
You are insured to practise Yoga and Meditation under the policy. This includes activities such as:
Cover is always subject to you holding a suitable qualification for the techniques you are offering.
Some activities are not included under the master policy, for example:
If you require cover for these or other additional techniques, you will need to take out extra cover under the multi‑therapy policy.
Please contact YogaPros if you have any queries or would like more information about the multi‑therapy policy.
No. The policy is arranged on a ‘claims occurring’ basis. This means it will respond (subject to the standard terms and conditions) as long as the policy was in force at the time the incident occurred.
This means, you do not need to pay for ‘run‑off’ cover once you have stopped practising.
Yes. Provided you:
the Balens policy includes retrospective cover. This means the policy can respond to past work, as long as you were not aware of any claim or incident before the Balens cover started.
The Combined Liabilities policy provides a limit of indemnity of £6,000,000 per member. This applies any one claim, with unlimited claims per year, except for the Products Liability section, which is in the aggregate.
If you wish to increase the limit of indemnity to £10,000,000, please contact Balens. An additional premium will apply, and we will need to know the reason for the requested increase.
The Commercial Legal Protection policy has a limit of indemnity of £100,000.
The policy is suitable for UK residents and covers temporary trips abroad, excluding the USA, Canada and their territories. There is no time limit to the number of days you can work abroad under the policy, but you must remain a UK resident.
This can include work such as classes at a UK forces base overseas, provided the base is regarded as UK territory.
Please note: Any offshore work (for example, on yachts or cruise ships) is on a referral-only basis, and you will need to contact Balens separately if this cover is required.
Yes. The policy covers live online/virtual classes worldwide, excluding the USA and Canada. You must comply with the Record Keeping conditions under the policy.
If you are selling access to pre‑recorded classes, this is treated as a product. These are covered under the policy within the territorial limits. If you need cover for selling these products to the USA or Canada please contact Balens.
Recorded promotional material (for example YouTube videos or Instagram posts) is covered as standard, provided that:
A studio I'd taught at for two years asked for proof of cover before renewing my booking. I downloaded the certificate from my dashboard, sent it across, and the booking was confirmed within an hour. That's just what the policy is for.Denise Gaskell · Senior Yoga Teacher · YogaPros member since 2019
Insurance activates once your YogaPros membership is verified through your Live CV. Become a member, build your Live CV, and we handle the rest.
I've watched this profession go through three decades of growth and I've seen what happens when teachers are sold cover that doesn't fit what they teach. We built YogaPros so the cover would. £6M, nil excess, retroactive, online and abroad: that's the floor. Everything else we do, the directory, the recognition, the community, the career path, sits above it.
— Bruce, co-founder, YogaPros
