Yoga Teacher Insurance

82% of yoga teachers in the UK are self-employed. This means, as a sole trader, there's no employer absorbing the cost of any claims — you're the one responsible for any legal fees or compensation. But if you have anyone working for you, even part-time or volunteering, then you’ll need employers’ liability insurance by UK law. 

 The right insurance can help protect from:

• A student injury – A student slips on a wet studio floor, causing injury. Public liability insurance could help protect you against a claim. 
• Equipment damage - Your yoga equipment is damaged due to an insured event like a fire or flood. Business equipment insured can help protect your expensive props. 
• Employee injury – A worker you’ve employed to teach for your yoga business, suffers an injury as a result of their work. 
• Equipment is stolen – Your expensive yoga equipment including mats, blocks, straps and more are stolen due to a break-in as a result of forced entry. 

Policies will vary per provider and limits and exclusions apply. Always refer to your own policy wording to what is and isn’t included. Speak to a broker if you are unsure. 

While yoga instructor insurance covers plenty, there are likely to be some exclusions, including: 

• Intentional damage – Damage caused on purpose isn't covered. 
• Neglect – Failing to maintain or secure your equipment could void your policy. 
• General wear and tear – Normal ageing or wear on your equipment, like yoga mats, isn't included. 
• Pre-existing equipment damage — Damage that occurred before your policy start date is unlikely to be covered. 

Unless declared, it may not cover:

• Claims arising from other activities— If you carry out activities outside of what you’ve declared to your broker and someone makes a claim, you won’t be covered. Always inform your broker of all your activities, especially if you add a new service. 
• Liability from online content — If you upload videos to third-party platforms like YouTube or Instagram, that activity may be at your own risk. Always tell your broker if you teach online so they can arrange the right cover. 

Yoga teacher insurance could cost from 8p a day*

Because all yoga practices are different, it's difficult to give an actual figure without speaking to a broker. Your business is unique, and yoga insurance costs prices can depend on a number of factors, including:

• Whether you're a sole trader or employ staff – this will require different types of cover and may affect your premium. 
• Extent of cover — The more cover you require, the more expensive your package may be. 
• Your insurer — Prices will vary across our panel of trusted insurers. 
• Location — The location of your business is taken into consideration when calculating the cost of your premiums. Whether you teach online, at home, at a rented studio, or at multiple venues. 
• The styles you teach — More specialist or high-risk yoga styles like power vinyasa may be viewed differently by insurers than yin or restorative yoga. 
• Additional activities - Whether you offer massage or holistic therapies alongside yoga classes. This should be declared. 
• Claims history — If you've made a claim or had claims made against you, it could affect your future premiums.

Speak to a UK-based broker to see how much you’re looking at paying for a yoga teacher insurance quote today. 

_{*This price is for a trades and professions policy – the average of the bottom 10% of customers who were sold with one of our panel providers paid £31 annually (excluding any additional administration fees) between 01/07/2025 & 30/06/2026. Equivalent to £2.58 a month or £0.08 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary on your business requirements.}

Even for online-only teachers, public liability insurance is still worth considering. If a student follows your recorded or live-streamed class and claims your instruction caused an injury, you could face a claim — wherever in the UK they were when it happened.

If you own your own yoga studio, you may have different risks than a self employed yoga teacher who rents a studio. If you own your own business premises, you should consider public liability, employers liability, building insurance, business equipment and even business interruption on your policy. This may help protect against fire and flood, and also against break-ins and forced closure due to a material damage incident. We can help arrange a policy that fits your yoga studio requirements.  

Policies vary per insurer and limits and exclusions apply. Always refer to your own policy wording to see what is and isn’t included.  

Yes. Whether you're teaching vinyasa, hatha or restorative yoga, your policy can be arranged to cover multiple styles. Some styles may carry a higher perceived risk than others. For example, hot yoga. 

Just be sure to tell your broker what kind of yoga styles you teach so they can arrange the right yoga teacher policy, that reflects your actual risks. 

In the UK, while there are no legal requirements for yoga insurance, most insurers will expect you to have the relevant qualifications. Typically, they look for:

1. A recognised yoga teaching qualification (usually 200 hours minimum training)
2. Membership with a yoga governing body like the British Wheel of Yoga (BWY) or Yoga Alliance

Since yoga is unregulated, teachers without qualifications can technically offer classes. However, insurers will generally look more favourably on teachers with formal qualifications and membership of a recognised body. 

Running a 200-hour teacher training programme is a different risk to running weekly group classes. Your professional guidance can form the foundation of your trainees' future careers — so if a student claims your training was negligent or caused them harm, professional indemnity insurance could help cover the legal costs. Speak to our insurance team, who can arrange a policy that includes professional indemnity to fit your requirements.

Teaching yoga is all about helping people find their balance. And the right yoga insurance helps you do the same. At Bionic, we compare business insurance quotes from trusted insurers to find tailored cover that suits your practice  — no jargon, no fuss, just the protection you need to keep things flowing.