Yoga Studio Insurance

Whether you work in person or online, do one service or multiple, travel to your clients or work in one place, your Alternative Balance membership with insurance coverage is designed to protect your professional services.

Peace of mind, so you can focus on your passion.

With Alternative Balance, you can relax and focus on providing your service. You won't find coverage like this anywhere else! Start with our general & professional liability insurance, which includes defense costs coverage that takes the financial burden off your shoulders if someone gets hurt and makes a claim against you or sues you.

If you own a yoga studio, you know that protecting your students is paramount. Get peace of mind with our comprehensive yoga studio insurance plans. Whether you own a studio with 30 instructors or if it's just you teaching in a studio 4 days a week, we've got your best interests in mind. The Alternative Balance plan also includes exclusive member tools like liability waivers, student intake forms and industry discounts to help you grow your business.

WHAT COVERAGE IS INCLUDED IN MY YOGA STUDIO INSURANCE?

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

NOW INCLUDED WITH YOUR MEMBERSHIP!

Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more specific information about the types of coverage included in our plan.

We offer optional Sexual Abuse Liability as well as Cyber Liability, which protects your business in the event of a cyber attack or hack.

What if??

Wondering what kind of claims could be covered by yoga studio insurance? We've got some examples to make it easy.

General Liability: A client trips over a yoga mat, causing them to fall and break their wrist.
Professional Liability: You advised that they stretch a certain way, they get hurt and sue you because they have limited mobility.
Damage to Premises Rented: During a chair yoga class, you and your students drag chairs out of the corner to use, but then later you realize that this caused scratches all over the floor, and your landlord wants you to fix the damage.

Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Yoga SUB-INDUSTRY INSURANCE

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Yoga Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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