Yoga instructor insurance: what you need and what it costs

A student injured during a hands-on adjustment, someone who slips on a mat, or a claim that your sequencing caused a back injury — yoga instructors face real liability at every class. Most studios require proof of insurance before you step into a teaching role. Here's what you need and what it actually costs.

The two policies yoga instructors need

Why adjustments create professional liability risk

Hands-on assists are one of the highest liability moments in a yoga class. A student who claims a hands-on adjustment caused or worsened a back, neck, or shoulder injury can result in a significant claim. Professional liability covers your legal defense and any settlement — GL alone won't.

Best practice: always ask permission before touching, screen new students for injuries, and carry professional liability regardless of how careful you are.

What studios and gyms require

• GL with $1M per occurrence / $2M aggregate minimum
• Professional liability coverage ($1M per claim)
• COI naming the studio as additionally insured (free and instant with most carriers)
• Current CPR/AED certification (separate from insurance)

Real yoga instructor claims

• Student claims adjustment caused herniated disc — $35,000 settlement (professional liability)
• Prop block falls during class, hits student — $4,500 medical claim (GL)
• Student slips on wet studio floor during your class — $8,000 medical claim (GL)
• Online student claims sequence caused knee injury — $18,000 legal defense (professional liability)

Disclaimer: This guide is for informational purposes only and is not legal, tax, or insurance advice. Coverage availability and pricing vary by state and applicant. Always verify requirements with your state licensing board and confirm policy terms directly with your carrier before relying on this information.