The Yoga & Meditation policy covers what its name says. Aerial Yoga, Acro Yoga, YogaLates, massage, and personal training sit outside that scope and need an add-on policy. The page you're on is the published reference for that add-on.
£44 UK · €80 Eire annual premium, paid direct to Balens. Conditional on active YogaPros membership and active base Yoga & Meditation insurance. Covers Aerial · Acro · YogaLates · massage · personal training · plus other activities on the published Therapies List, subject to held qualifications. Read the architecture below.
Read the architecture Live · UK The master Yoga & Meditation policy£6M Professional & Public Liability for yoga and meditation teaching. Nil excess. Underwritten by Balens / Zurich. The required base before the multi-therapy add-on becomes available.
See UK detail Live · Eire Ireland-domiciled teachers€6.5M cover via Balens Europe B.V. The required base before the multi-therapy add-on becomes available for Ireland-based members. Premium for the add-on: €80 annual.
See Eire detail Live · USA US-domiciled teachers$2M Gen & Pro Liability via Insurance Canopy. The multi-therapy add-on described on this page is for UK and Eire members; US members extend cover via Insurance Canopy directly.
See USA detail Live · Trainee In training (UK / Eire)£25 one-time, while training. Cover for the duration of an accredited training course (max 18 months). UK and Ireland combined. The multi-therapy add-on is not available during the trainee period.
See trainee detail Live · Corporate For studios & corporate buyersFor studios booking verified YogaPros teachers — including teachers carrying the multi-therapy add-on. Live CV proof of cover. Multi-site, multi-week sourcing across regulated cover lines.
See corporate detail Live · Retreat For retreat hostsUK base policy in retreat context — cross-border, multi-day, activity scope. If retreat programming includes Aerial, Acro, YogaLates, or massage, the multi-therapy add-on is also required for cover continuity.
See retreat detailThe Yoga & Meditation master policy is the floor for everything inside its name. The activities outside it are not edge cases — they're the most-taught extensions of a working teacher's calendar. A teacher running a Wednesday Aerial class on the same week as a Thursday Restorative session needs both kinds of cover for both kinds of liability. The master policy does the second; this add-on does the first. Cover gaps in this profession are usually not about price or paperwork; they're about a teacher discovering, after the fact, that the class she was teaching wasn't covered by the policy she thought she had.
The add-on policy is structured. The eight facts below are the load-bearing ones. Click each card for the rule, the reason it exists, and the practical edge it tends to live on.
The master policy activates through the YogaPros Live CV verification chain. The add-on activates through Balens directly. The route is structured; below is what happens at each stage.
Complete the UK or EIRE Application Form direct on the Balens portal. Note YogaPros membership clearly. List the additional activities you teach. Send qualification documents for each activity to yap@balens.co.uk for review.
Balens checks each declared activity against held qualifications and the published Therapies List. Activities outside the standard scheme (Class 4+) are flagged and referred for separate direct cover. A higher-risk premium may apply to specific activities; this is communicated before binding.
Member pays the annual premium directly to Balens — £44 UK or €80 Eire. Therapies certificate is issued by Balens and emailed to the member. Cover is now active for all approved activities, alongside the master Yoga & Meditation policy. Both display on the member's Live CV.
Activation timing depends on the speed of qualification review at Balens; straightforward applications typically complete within a few working days. The add-on does not auto-renew — Balens issues a renewal invitation each year, with the new premium and any updated terms; the member confirms membership renewal first, then pays the add-on premium directly to Balens. If the YogaPros membership or master policy lapses at any point, the add-on lapses with it; renewal is conditional on both being active.
Click any card. The front is the situation. The back is the response: which policy covers what, what to do, what timeline to expect.
You hold an Aerial Yoga teacher qualification from a recognised provider. The studio expects insurance proof before your first class. Your master Yoga & Meditation policy doesn't list Aerial.
Tap to see the response →The class is sold as a fusion offering. You hold a Pilates qualification alongside your yoga training. The studio is asking which insurance covers the combined class.
Tap to see the response →Acro involves partner work, base-and-flyer postures, occasional inversions. The community hall is asking for current insurance documentation before confirming the booking.
Tap to see the response →The studio is happy with the addition; the question is whether your existing YogaPros membership cover extends to massage work, or whether something separate is needed.
Tap to see the response →Some students book yoga and PT in the same week. You want to know whether the YogaPros cover protects the PT work, or whether your PT qualification needs separate cover entirely.
Tap to see the response →A specific modality you've added — perhaps an extreme aerial discipline or high-risk movement form — has been flagged by Balens as outside the YAP add-on scheme. You want to know what happens next.
Tap to see the response →Different 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 members carrying the master Yoga & Meditation policy can extend cover via the multi-therapy add-on for an annual premium of £44 paid directly to Balens Ltd. Activities covered include Aerial Yoga, Acro Yoga, YogaLates, massage, personal training, and other listed therapies subject to held qualifications. The add-on is conditional on active YogaPros membership and active master policy at the time of application and at every renewal. Renewal is not automatic; Balens issues a separate renewal invitation each year.
Eire-domiciled members carrying the master €6.5M Yoga & Meditation policy via Balens Europe B.V. can extend cover via the multi-therapy add-on for an annual premium of €80 paid directly to Balens. The same activities are covered as for UK members, subject to held qualifications. The add-on is conditional on active YogaPros membership and active master policy. Renewal is not automatic; Balens issues a separate renewal invitation each year.
US-domiciled YogaPros members carry the USA $2M policy via Insurance Canopy, not the UK Balens / Zurich policy. The multi-therapy add-on described on this page extends the UK and Eire master policies only. US members teaching activities outside the standard scope of the Insurance Canopy policy should contact Insurance Canopy directly for additional cover lines. The architecture is different in the US market; the principle of "qualification + base + add-on" still applies, just routed through a different underwriter.
UK and Eire members carrying both the master policy and the multi-therapy add-on remain covered for the listed activities while teaching abroad on temporary trips, subject to the same excluded territories as the master policy: USA, Canada, Russia, Belarus. Class 4+ activities (high-risk modalities) sit outside the YogaPros scheme regardless of region and require direct cover from Balens on a separate policy line. For permanent relocation outside UK / Eire / USA, the team routes to the appropriate underwriter.
The add-on is held with people who insure complementary-health professionals every day. The roles are different from the master policy stack; the architecture is built so the right party handles the right part of the relationship.
A specialist complementary-health insurance broker with three decades of yoga-sector experience. Balens Limited (UK Branch of Balens Europe B.V.) underwrites the multi-therapy add-on directly, designs the wording, processes applications and qualification reviews, issues the certificates, and handles renewals each year. Direct line: yap@balens.co.uk · 01684 581887.
For Ireland-domiciled members, Balens Europe B.V. underwrites the multi-therapy add-on directly. Authorised and regulated by Autoriteit Financiële Markten in the Netherlands (licence 12046134), the appropriate EU-domiciled regulatory route. The Eire add-on premium is €80 annual.
The UK's largest legal-expenses insurer. ARAG legal-expenses cover up to £100,000 per claim for criminal defence, disciplinary hearings, tax disputes, jury service, and similar matters is included with the master Yoga & Meditation policy. The legal cover applies across the member's professional teaching, including activities covered by the multi-therapy add-on. Helpline 0344 893 6911 (Mon–Fri 9am–5pm).
YogaPros maintains the member infrastructure — Live CV, directory listing, Code of Practice — and verifies membership status when Balens runs the add-on application or renewal. YogaPros does NOT collect or hold the add-on premium; the premium runs directly between the member and Balens. YogaPros' role is membership and verification; Balens' role is underwriting.
The add-on is held by Balens directly; claims on multi-therapy activities run through Balens, not through YogaPros. The process is structured. Below is the route from notification to resolution.
Phone or email Balens with what you know: the date, the activity (Aerial / Acro / YogaLates / massage / PT), what the student or third party is alleging. Don't respond to the claimant directly. Balens opens the file. Reach Balens at yap@balens.co.uk or 01684 581887.
You · BalensBalens checks the claim against your active multi-therapy add-on policy and your held qualification for the relevant activity. Where the cover applies, the claim is allocated to the appropriate underwriting team for assessment. You don't have to do anything in this step.
BalensWhere legal advice or defence is needed, ARAG legal-expenses cover (up to £100,000) supports the case alongside the add-on liability cover. Solicitors take instructions, prepare correspondence, and attend any meetings or proceedings on your behalf. You're informed, not exposed.
ARAG · BalensMost claims settle without court, typically inside 6–12 months for small-to-medium incidents. Where settlement is appropriate, the underwriter pays within the policy limits. Where defence holds, the case closes. The claim outcome is documented for the renewal record but does not automatically affect future cover where you've behaved professionally.
Balens · YouI've taught yoga and Aerial side by side for years. Until I added the multi-therapy add-on, my Aerial classes were the only part of my week that wasn't covered. The application took an afternoon, the certificate arrived a week later, and I haven't worried about it since. The architecture is simple once you understand it — and it sits underneath everything I teach.Senior Yoga Teacher · multi-therapy add-on member · UK-based
Once your YogaPros membership and master Yoga & Meditation policy are active, the add-on application sits with Balens directly. Have your qualification document for the activity ready; the application form takes most members under thirty minutes.
When Brian and I built the YogaPros insurance architecture, we wrote the master policy to cover yoga and meditation — broadly, generously, retroactively. But we knew, even in 2006, that the modern teacher's calendar wouldn't stop there. Aerial would arrive. Acro would arrive. YogaLates would arrive. Massage and personal training would arrive. So we built the add-on with Balens as a clean, conditional extension — discounted because of YogaPros membership, qualified per activity, transparent on what's covered and what isn't. The architecture exists because the alternative is a teacher discovering, six weeks into a new Aerial slot, that her cover stopped at the studio door of yoga and meditation. We don't want that conversation; we want the one above this letter, where the cover follows the calendar and the teacher teaches with confidence.
— Bruce, co-founder, YogaPros
