A suitable limit of indemnity
Ensures your cover is high enough for worst-case scenarios.
Insurance essentials for yoga professionals
Not all insurance
is the same. Know yours.
Make sure you're protected if a claim happens. Here's what your YogaPros cover includes, and what to look for anywhere else.
Start with what to look for →01 · What to look for
Four things every policy needs.
Retrospective cover
Protection for past work, provided you were appropriately insured when the work was carried out.
Run-off cover
Keeps you protected for claims made after you stop practising.
Cover for online classes
Confirms you're insured to work online and with clients in other countries.
Insurance · Underwritten and active
£6M
Professional & Public Liability cover · UK
- Unlimited claimsin any one policy year
- Unlimited legal costsdefence costs on top of the £6M
- Abroadno time limit, while a UK resident
- Run-offclaims after you stop practising
- Retrospectivepast work, if insured at the time
- Onlineclasses and clients in other countries
- Mobilehome, studios, gyms and outside
- Pregnancyin line with your training
Underwritten by Balens / Zurich · ARAG legal cover
UK insurance partners
02 · Three kinds of liability
Know what each one means.
Tap a card to turn it over.
02 · Worked claim examples
Five moments. Would it respond?
✓ Yes, in all five*
01A fall while trying a new poseProfessional liability✓ Policy responds02A hands-on adjustmentProfessional liability✓ Policy responds03A toppled fan and a broken mirrorPublic liability✓ Policy responds04A slip on a wet floorPublic liability✓ Policy responds05A strap that snappedProducts liability✓ Policy responds
*Hypothetical claims. Cover is always subject to the full policy wording, terms, conditions, limits and any excess.
Read all five scenarios in full →03 · When you may need more · Tap all that apply
Do you teach beyond the mat?
Choose anything that applies, and we'll show you whether you may need extra cover.
When you may need more →
04 · Records and best practice
Write it down.
Record keeping is a condition of your cover. Clear notes can support your defence if a claim is made.
What to keep, and for how long →7years
minimum retention for every record
minimum retention for every record
- Pre-session suitability checksExisting issues, medical conditions, contraindications
- Session planActivities, modifications and advice given
- Session detailsAttendees, dates, outcomes, any adverse events
05 · Your questions, answered
Questions, softly.
Signed-off answers from the Balens member webinar.
All questions, answered →What techniques am I insured to practice?
You are insured to practice Yoga and Meditation under the policy. Cover is always subject to you holding a suitable qualification for the techniques you are offering.
Does the insurance policy cover me to work with pregnant people?
Yes. You are covered to work with pregnant people in line with your training and qualifications.
Can my client bring their baby or child to a yoga class?
Yes, but certain conditions apply. You should also complete a risk assessment before running any classes where babies or children are present.
Does my insurance policy insure me to work at or run retreats?
The policy covers you to work at a retreat in your capacity as a Yoga/Meditation teacher. However, there is no cover under this policy for running a retreat.
Do I need to hold a First Aid Certificate?
It is not a condition of the insurance policy that you hold a separate First Aid certificate.
Where am I insured to teach/practice?
The policy is mobile: working from home, teaching in studios, working in gyms, working outside. The policy does not provide cover for teaching in the USA or Canada.
06 · Shopping around
Nineteen questions to ask any insurer.
Two policies can carry the same price and behave very differently when a claim arrives. Whoever you speak to, ask these.
- What the policy covers
- Limits and what you pay
- Your past and future work
- Where and how you teach
- Conditions and the small print