Do Studios Provide Yoga Instructor Insurance for Yogis?
Yogis who teach at studios may receive coverage from their studio, but there are several items to consider before relying on this protection.
First, some studios might not have as much coverage as yogis would like. Yoga instructors should make sure they’re comfortable with the policy limits that a studio has before relying on its coverage, and they need to remember that this coverage likely could be used by them, other instructors and/or the studio.
Second, instructors who are hired as independent contractors -- and not traditional employees -- might not be covered by a studio’s policy. Independent contracting creates a more complex insurance situation, and each station should be individually reviewed to determine whether a studio’s coverage extends to contracted instructors.
Third, any studio-provided coverage is usually limited to only when an instructor is teaching classes for that particular studio. It likely won’t extend to situations where an instructor offers classes at other studios or on their own.
An insurance agent who’s familiar with yoga instructor policies can help yogis go through these scenarios.
What Coverages Does Yoga Instructor Insurance Provide?
Exactly what’s in a yoga instructor insurance policy depends on the specific terms and conditions of that policy, but there are several coverages that policies frequently make available:
There are still other coverage options that yogis and yoga studios might want to explore with an agent’s assistance.
Do Yoga Policies Come With Workers Compensation?
Workers compensation is an important protection that generally insures against workplace injuries and illnesses. Studios that have employees are probably required by state law to carry the coverage, and individual yogis might want it in case they’re injured while teaching. Health insurance sometimes excludes workplace injuries, so workers comp might be able to fill in the gap.
Whether yoga policies come with workers compensation depends on the particulars of a policy. The coverage is included in these policies in some cases, and it’s purchased separately as a stand-alone policy in others. Either way, the coverage is readily available.
Where Can Yogis and Studios in Massachusetts Get Yoga Insurance?
For help finding yoga insurance in Massachusetts, contact the insurance agents at Scotti Insurance Agency. Our independent agents can show you policy options from several insurance companies in the state, and we have the expertise necessary to help you select the policy that’s best for you.