Yoga teacher and pilates instructor insurance

Specialist cover for yoga teachers and pilates instructors from as little as £5 a month

  • Fast, easy online quote in 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

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.

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).

For some tips of avoiding claims, read our guide for yoga teachers on handling clients.

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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 only £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.

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.

 

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Cover starting at just £5 a month

Tailor your yoga and pilates instructor insurance with these covers

  • 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.

    Public liability and professional indemnity insurance is generally considered essential cover for yoga teachers and instructors, particularly those hiring sports centre halls, community centres or other premises to hold their sessions. Limits range from £1m to £5m.

  • 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.

  • Legal expenses insurance

    Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

    If a client takes legal action against you because of an error you have made, this cover can prevent you from needing to use your own finances to cover legal expenses.

  • 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.

  • 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.

  • 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.

  • 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.

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Cover starting at just £5 a month

Frequently asked questions

  • 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.

  • 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.

  • 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.

  • 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 in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, 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.

  • Why should I choose Markel’s insurance?

    Markel 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 and London market insurer that wrote gross premium totals of $1.2 billion in 2018.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    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.

Access these specialist services for your business

Our yoga teacher insurance policyholders receive exclusive access to a range of business services designed to help you handle difficult situations and make your life easier.

24 hour legal helpline  24 hour legal advice helpline

When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.

Legal hub access Markel Law Hub access

In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.

  Fee dispute service

Chasing unpaid invoices or fees is a frustration felt by many freelance yoga teachers. We offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.

  Public relations crisis management service

Public relations disasters can occur at any time, particularly in today's 'blame and claim' culture. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.

  Cyber response helpline

If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.

Cover starting at just £5 a month