Commercial Auto Insurance for Yoga Studios Offering Mobile Classes
- Feb 9
- 2 min read
Yoga studios are no longer confined to a single location. Many studios now offer mobile classes at offices, parks, gyms, or private events. While this expands your reach and client base, it also introduces new risks. Commercial auto insurance is essential for protecting your vehicles, instructors, and business while transporting equipment and students.
Why Personal Auto Insurance Isn’t Enough
Many yoga studio owners assume their personal auto insurance covers business use, but most policies exclude vehicles used for commercial purposes. If an accident occurs while transporting yoga equipment or traveling between class locations, a personal policy may deny the claim.
Commercial auto insurance is specifically designed to cover vehicles used for business purposes, including transporting students, instructors, and studio equipment.
What Commercial Auto Insurance Covers
A commercial auto policy for mobile yoga classes typically includes:
Liability coverage for bodily injury and property damage
Collision coverage for your studio-owned vehicles and trailers
Comprehensive coverage for theft, vandalism, fire, or natural disasters
Medical payments for injuries sustained in a covered accident
Uninsured and underinsured motorist coverage
This coverage applies to trucks, vans, or any vehicles owned, leased, or rented by the studio for business use.
Additional Considerations for Mobile Yoga Classes
While commercial auto insurance protects the vehicle and passengers, it may not cover the yoga equipment or clients in case of an accident. Consider:
Equipment transit coverage to protect mats, blocks, and props
Instructor liability insurance in case of injury during transport or setup
Safety measures such as secure vehicle storage and proper loading techniques
For guidance on vehicle safety and commercial transport regulations, the U.S. Department of Transportation (DOT) provides helpful resources.
Factors Affecting Commercial Auto Insurance Costs
Premiums vary based on:
Number and type of vehicles used
Frequency and distance of mobile classes
Driving records of instructors or staff
State regulations and insurance requirements
Implementing safety protocols, maintaining vehicles, and training instructors can help reduce premiums while mitigating risk.
Work With an Insurance Specialist
Mobile yoga classes have unique risks that require specialized coverage. Wexford Insurance understands the needs of wellness businesses and helps studio owners secure commercial auto insurance tailored to their operations.
👉 Request a free yoga studio insurance quote from Wexford Insurance for a customized quote to protect your vehicles, instructors, and business while on the move.
