Understanding Your Insurance Cover as a Yoga Professional
Insurance is a critical part of your professional setup, yet many teachers are not fully aware of their coverage. This guide explains the key areas of your policy (YogaPros member policy from Balens), helping you understand your protection in real-world situations, including teaching, client interactions, and unexpected incidents or legal matters.
When to Use This
Use this guide if you:
- Want to better understand what your insurance actually covers
- Are unsure of the difference between types of liability
- Are starting to teach and want clarity on your protection
- Want to feel more confident in your professional setup
What does the YogaPros Master Policy from Balens cover?
Professional Liability & Malpractice Insurance
This covers you if a client claims that your teaching, advice, or professional actions caused them injury, harm, or loss.
This could include:
- A student alleges they were injured during your class
- A technique or practice you taught is said to have caused harm
- A claim that you breached your professional duty
If you are found legally liable, this cover can:
- Pay compensation or damages
- Cover legal defence costs and associated expenses
This is the core protection for your role as a yoga teacher.
Public Liability Insurance
This protects you against accidents that occur in connection with your classes, but are not caused by your teaching.
For example:
- A student trips over equipment
- You accidentally damage someone’s belongings
If you are found legally liable, this cover can:
- Pay compensation or damages
- Cover legal defence costs
This ensures you are protected for the practical realities of running classes.
Products Liability Insurance
This applies if a product you sell or recommend causes injury, harm, or property damage.
Liability may still apply even if you did not manufacture the product.
If a claim is made, this cover can:
- Pay compensation or damages
- Cover legal defence costs
This is especially important if you offer or recommend items such as oils, props, or wellbeing products.
Commercial Legal Expenses Cover
Included as standard, this provides access to legal support beyond injury claims, helping you manage a range of professional situations.
It includes:
- Legal defence for certain criminal allegations
- Support for disciplinary or regulatory hearings
- Tax protection (including HMRC enquiries and disputes)
- Jury service and court attendance cover
- Access to legal and tax advice helplines
- Access to a confidential counselling service
The policy includes a £100,000 per-claim limit.
Action Steps
- If you don't have the YogaPros Master Insurance Policy (from Balens), review your insurance documents so you understand your level of cover
- Identify which areas apply most to how you currently teach
- If anything is unclear, contact your insurance provider for clarification
- Save your insurer’s contact details so you can act quickly if needed
Resources / Downloads
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Your insurance policy documents
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Contact details for Balens (your insurance provider)
- Legal helpline (ARAG): 0344 893 6911
- If you would like to add insurance to your membership, please email us at support@yogaallianceprofessionals.org (UK and Ireland only)
Understanding your insurance is not only about compliance; it also builds confidence.
The more clearly you understand your cover, the better equipped you are to handle challenges, protect your work, and operate as a professional.
If you are unsure about any aspect of your policy, do not hesitate to ask. Small gaps in understanding can become larger risks, but they are easy to resolve with the right guidance.
FAQ
For any queries about the YogaPros member insurance policy or to check if your qualification meets Balens requirements, please contact Balens directly.
This guidance applies specifically to the YogaPros member insurance policy arranged through Balens. If you hold your own separate insurance policy, you should check the terms, conditions, and coverage directly with your insurer, as provisions may differ.