Yoga Studio Owner Insurance

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.

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  

Exclusive Member Benefits Included FREE

Free Business Personal Property & Business Interruption (BPP/BI)
Every membership automatically includes $10,000 for equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade your BPP/BI limits up to $325,000 directly on your application to fully protect your fitness machines and tech.

Free Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your gym—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

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Do you need a custom yoga studio quote?

Our instant online policies are optimized for solo, independent owners. You require a comprehensive review from our specialized insurance brokers if your business includes any of the following:

  • Employees or Independent Contractors: You hire staff to help run your studio. Note that independent contractors may be eligible for Alternative Balance membership. You can get compensation for referring them to us through our Affiliate Program. Earn $20 for each referral who joins using your link!
  • Strict Landlord Requirements: Your lease requires complex or higher-limit physical building coverage.
  • Unsupervised Gym Access: Clients are permitted to use your facility or equipment unsupervised.
  • Multiple Locations: You operate your fitness brand across more than one physical site.

Not a solo owner? Contact Our Broker Team Today for a full, customized policy review to ensure your multi-faceted business is fully protected.

Yoga Studio Examples

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: While hosting a special yoga class at a corporate office, you damage the floor with your equipment cases, and they want you to pay for repairs. This coverage would apply because you were using the space with permission for less than 7 days.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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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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Yes, you would be covered teaching yoga in several locations but must be abiding by all state and local laws regarding your service. A landlord, school or venue might require you to add them as an additional insured.

Yes, you can add aerial yoga and paddle board yoga as premium services.

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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 for 7 days or less. It does not apply to permanently leased locations.

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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