Required Yoga Studio Business Insurance Coverage for Instructors
- Feb 9
- 2 min read
Running a yoga studio involves more than teaching classes—it also comes with unique risks for both owners and instructors. Proper insurance ensures instructors are protected from liability claims, property damage, and unexpected incidents during classes. Understanding the required coverage types is essential for studio owners and instructors alike.
General liability insurance is critical for protecting instructors from claims related to bodily injury or property damage that may occur during a class. For example, if a student slips on a yoga mat or falls during a pose, this coverage helps pay for medical expenses, legal fees, and potential settlements.
Typical Cost: $400–$1,200 per year for small studios; higher for large studios or high-risk classes.
High-risk activities such as hot yoga or aerial yoga may increase premiums.
Professional liability insurance, also called errors and omissions insurance, covers claims of negligence, incorrect instruction, or failure to meet professional standards. This is especially important for instructors providing private sessions, workshops, or specialized yoga training.
Typical Cost: $300–$1,000 per year depending on class type and student volume.
If instructors are employees, workers’ compensation insurance is often legally required. It covers medical costs and lost wages if an instructor is injured while teaching or performing studio-related tasks. Freelance instructors may not require this, but studio owners should verify state regulations.
Typical Cost: $500–$2,500 annually, depending on the number of employees and risk level.
Instructors should also ensure the studio’s property and equipment are covered. This includes yoga mats, props, furniture, and other items used for teaching. Coverage protects against fire, theft, and natural disasters, ensuring instructors can continue operations even after a loss.
Typical Cost: $500–$2,000 per year based on property value and studio size.
Why Work With an Insurance Specialist
Yoga studios and instructors face unique risks that standard business insurance may not cover. Working with a specialized provider ensures instructors and studio owners have the right policies in place
Wexford Insurance specializes in wellness and yoga studio coverage, helping instructors and studio owners secure tailored policies.
👉 Request a free yoga studio insurance quote from Wexford Insurance for a personalized quote to protect your instructors, students, and studio assets.
