Professional liability
Covers errors or omissions in your professional advice or treatment, so claims about your work don’t fall back on you personally.
Included. Professional Liability & Malpractice.
← Insurance essentials
Chapter 01 of 06 · What to look for
What to look for in yoga teacher insurance
Twelve things every policy should include, and how the YogaPros member policy answers each one. Your cover: £6M any one claim · defence costs unlimited.
Check your policy includes · The Balens policy for YogaPros members
Twelve checks, answered.
Public liability
Protects you if someone is injured or their property is damaged in connection with your business activities.
Included. Public Liability.
Products liability
Covers claims arising from products you make, sell or supply, including items you recommend or provide to clients.
Included. Products Liability.
Legal expenses
Helps with legal defence costs for criminal allegations and provides access to a legal and counselling helpline.
Legal expenses cover. Helps with legal defence costs for criminal allegations and provides access to a legal and counselling helpline.
A suitable limit of indemnity
Ensures your cover is high enough for worst-case scenarios; a low or aggregate limit could leave you personally out of pocket.
Limit of liability. £6,000,000 as standard, on an any-one-claim basis, with unlimited claims in any one policy year. Defence costs in addition. Legal defence costs are covered in addition to the £6M limit — and are unlimited.
Retrospective cover
Protection for past work, provided you were appropriately insured when the work was carried out.
Cover for previous work. Includes cover for previous work performed (if insured at the time), protecting against late-discovered claims.
Run-off cover
Keeps you protected for claims made after you stop practising, so you don’t need to pay for ongoing cover into retirement.
Claims-occurring basis. Cover can remain in place for work you did in the past, even if you later take a break, provided you were insured at the time.
Cover for working abroad
Flexibility to work abroad — but don’t assume your UK cover automatically follows you overseas.
Working abroad. Cover includes working abroad with no time limits, while you remain a UK resident.
May need additional coverUSA/Canada excluded unless agreed.
Teaching at retreats
Covered as standard. If you organise, host, or run retreats yourself, additional insurance may be required.
Retreats. Cover includes working or running classes at retreats.
May need additional coverOrganising one? Additional cover may be required — contact Balens.
Cover for teaching
Specific protection when you train, supervise or assess others, not just when you practise yourself.
Teaching. Covered in line with your training and qualifications.
Check before you teach othersSee the Help Centre: Does my insurance policy cover teacher training? Does my insurance policy cover me to teach, run workshops or provide CPD training?
Multi-therapy / multiple activities
Gives you flexibility as your business activities and offerings evolve.
Flexible as you grow. We can arrange cover if you add new activities or therapies, subject to suitable qualifications being held. See Multi-Therapies Insurance for YogaPros Members.
May need additional coverActivities outside Yoga and Meditation need the separate Multi-Therapies policy.
Cover for online classes
Confirms you’re insured to work online and with clients in other countries.
Online work. Covers what you post online to promote your business and extends to teaching classes online.
May need additional coverOnline clients in the USA/Canada need an extension, via Balens.