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Our specialist insurance for yoga teachers and pilates instructors has been designed to cover a whole host of risks facing fitness and well-being professionals.
Teaching yoga or Pilates blends skill, guidance, and client care, but accidents and misunderstandings can still arise, from injuries during a class to loss or damage of equipment.
Our yoga and Pilates instructor insurance helps protect you against these risks, giving you confidence that your classes and business are supported if something unexpected occurs.
Cover at a glance:
- Protects against legal risks of injury, damage, negligence or liability claims
- Cover for accidental injury during classes
- Optional equipment and studio hire cover
What is yoga teacher and Pilates instructor insurance?
Yoga teacher and Pilates instructor insurance refers to a group of specialised business insurance policies designed to protect instructors against risks that may arise during their teaching sessions. This coverage typically includes professional indemnity insurance, which protects against claims of negligence or errors in classes, as well as public liability insurance to cover accidental injuries or property damage to clients or third parties. Securing this insurance can help instructors to operate with confidence, meet legal requirements, and demonstrate professionalism to any clients.
Cover starting at
£5 a month*
*Price is based on a yoga teacher requiring occupational personal accident insurance with £25,000 of cover for permanent total disablement and £100 a week cover for temporary total disablement.
Why do yoga teachers and pilates instructors need insurance?
Without the right insurance, your business could face disaster after an unforeseen event. An allegation of improper or unprofessional teaching, a student injuring themselves during a class following negligent advice, or the theft of a work laptop could cost your business thousands.
Our specialist yoga and pilates teacher insurance could cover you against these events, giving you the peace of mind that if something unexpected happens, you are covered.
What does yoga teacher insurance and pilates instructor insurance cover?
Unlike many 'one size fits all' yoga and Pilates insurance schemes, with over 25 years’ experience of offering specialist expertise, our cover can be tailored to the individual needs of your business.
Whether it’s Vinyasa, Hatha, Yin, hot yoga or Bikram yoga that you teach, or a mix of classical pilates and reformer pilates, we’ve got you covered.
Our yoga and pilates teacher insurance can cover a wide range of scenarios, including:
- Negligent advice: while practicing the crow pose, a student sustains a shoulder injury. They claim that it is because of negligent advice you gave them during the class and make a claim against you (professional indemnity insurance).
- Injury caused to a third party a window in the studio you rent for your classes was smashed. While you believed the area had been cleaned, during your class, a client stood on a piece of glass and cut their foot, leaving them unable to work. They make a personal injury claim against you (public liability insurance).
- Damage caused to third party property: you’re teaching a student in their home. While you’re there, you accidently knock their glass of water over which spills onto their laptop. They pursure you for the cost of replacing the laptop (public liability insurance).
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
How to buy yoga teachers and pilates instructors insurance
You can get a quote for yoga and pilates instructors insurance using our easy online quote system.
We'll need to ask you a few questions about your business so that we can offer you the insurance covers that are most suitable for you.
You can then choose which covers are right for you, or you can choose to buy them all. This means you will only ever pay for the type and level of insurance you need. Get a quote now.
Tailor your yoga and pilates instructor insurance with these covers
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Public liability and professional indemnity insurance
Public liability and professional indemnity insurance offers comprehensive protection against the cost of defending you against allegations of professional negligence (such as failing to provide an acceptable level of photography to a client) and if unsuccessful, the cost of damages awarded against you.
In addition, it covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business.
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Employer’s liability insurance
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ other teachers or instructors, even on a part time basis, you need this cover. Cover for £10m.
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Legal expenses insurance
Commercial legal expenses insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Directors and officers insurance
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Office insurance
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
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Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).
In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.
Regardless of how many years experience you have as a yoga instructor, if you injure yourself in the course of your work and are unable to work and would struggle to maintain an income as a result, you should consider having occupational personal accident insurance in place.
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Cyber and data risks insurance
Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients on computers and other internet connected devices, you should give consideration to this cover.
How it works
Choose the cover you require
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How much does yoga teachers and pilates instructors insurance cost?
Yoga teachers and pilates instructors insurance from Markel Direct starts from £5 per month.
The cost of insurance for each individual business will vary. This cost is determined by factors including:
- The size of your business
- The amount of insurance policies you choose to take out
- The level of insurance you opt for
If you choose us as your insurer, you can spread the cost of your policy over 10 interest free monthly payments. Once your insurance has been set up, you'll receive an instant proof of cover, so that you can start teaching immediately.
If your circumstances change and you wish to cancel a policy with us, there are no hidden or cancellations fees.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
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I teach lessons at different venues - is this covered?
Yes. Regardless of where you teach - for example, at fitness studios, village halls or gyms - you'll be covered under our policy.
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Do I need a current first aid certificate to be covered?
No. Although it is advisable for you to have one in case something were to happen during a workout, it is not something that we insist on.
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What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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