How Much Does Business Insurance Cost For Yoga Teachers?

U.S. yoga teachers can expect to pay between $360 and $480 annually for business insurance, averaging $30 to $40 per month. The primary cost drivers are class size, location, teaching style, experience level, coverage limits, and whether you teach in-person, online, or at multiple locations.

How Much Does Yoga Teacher Insurance Cost?

The average yoga teacher in the U.S. pays between $360 and $480 per year for a full business insurance package. That breaks down to roughly $30 to $40 per month. However, this is just a ballpark range and actual costs can vary widely depending on your specific situation.

Every yoga teacher has different risks and insurance needs, so there’s no one-size-fits-all price. A solo instructor teaching small classes at home will usually pay much less than someone running a busy studio with multiple teachers and locations.

The style of yoga you teach, how many students you have, whether you offer in-person, online, or retreat-style sessions, and where you work (like a home studio, gym, or rented space) can all affect your business insurance costs.

For example, teaching hot yoga in a large studio may come with higher premiums due to increased risks (like heat-related injuries), while a gentle yoga class in a quiet, low-traffic space might cost less to insure.

Understanding these variables can help you better estimate your insurance needs and prepare for the real costs of protecting your yoga teaching business.

Average Yoga Teacher Insurance Costs For Coverage Types

When it comes to protecting your yoga teaching business, different types of insurance cover different risks. Understanding the average cost, coverage details, and what influences pricing for each policy type can help you build a more effective insurance plan. Here’s a closer look at the major coverages most yoga teachers need.

• General liability insurance: $30 per month
• Business owner’s policy: $63 per month
• Workers’ compensation insurance: $57 per month
• Commercial auto insurance: $150 per month
• Professional liability insurance: $42 per month

Professional Liability Insurance

Yoga instructors often start with professional liability insurance because it protects against claims related to teaching guidance, posture instruction, or injury accusations. The average premium for yoga teachers is around $42 per month.

This type of policy helps if a student alleges you offered improper cues, failed to provide modifications, or caused an injury due to instruction. It can cover legal defense, settlements, or judgments if you are accused of negligence tied to your teaching practice.

Premiums are affected by experience level, whether you teach specialty formats like hot yoga or aerial, private versus group instruction, and the amount of coverage selected.

Average annual premiums in 10 states:

Note: Estimates reflect blended averages for yoga instructors based on sample quotes with standard coverage. Actual pricing varies by limits, claims history, class format, and location.

Business Owner’s Policy (BOP)

A Business Owner’s Policy is popular for yoga studio owners because it combines general liability with commercial property coverage. The average cost for yoga instructors is about $63 per month.

A BOP can cover customer injury claims along with loss or damage to a studio space, mirrors, props, mats, furnishings, or sound equipment. For example, if a space heater sparks and damages flooring and bolsters in a heated yoga room, a BOP can assist with repair and replacement costs.

Costs depend on studio size, whether classes are held in rented spaces, crime and weather risks in your area, revenue, and business assets.

Average annual premiums in 10 states:

Note: Estimates represent average BOP rates for yoga businesses using sample market quotes. Actual premiums vary by property value, deductibles, endorsements, location, and claims history.

Workers’ Compensation Insurance

Workers’ compensation costs for yoga teachers average about $57 per month. This coverage is important for studios or instructors who employ other teachers, front desk staff, or assistants.

Workers’ comp pays for medical treatment, rehabilitation, and partial lost wages if an employee is injured while working. For example, if an instructor strains a shoulder while assisting a student into a balance pose, this policy helps cover treatment and income while they recover.

State rules differ. Some states require coverage even with one employee, while others require it only after several staff members are hired. Self-employed yoga teachers sometimes buy optional coverage if their health insurance excludes work-related injuries.

Premiums depend on payroll size, number of instructors, class types offered, claims history, and workplace safety practices.

Average annual premiums in 10 states:

Note: Estimates are based on blended workers’ comp averages for yoga businesses. Actual rates vary by payroll, state rules, safety programs, and claims experience.

Commercial Auto Insurance

Yoga teachers who drive to private clients, corporate wellness sessions, workshops, or retreats may need commercial auto insurance. The average cost is about $150 per month.

This coverage protects vehicles used for business-related transportation, including accidents, theft, and vehicle damage. If you load your SUV with mats and blocks for an off-site class and are involved in a collision en route, commercial auto insurance can help pay for repairs and liability expenses.

Premiums depend on mileage, the type and number of vehicles, garaging location, and driving records. Some instructors add hired and non-owned auto coverage if employees use personal vehicles for business trips.

Average annual premiums in 10 states:

Note: Estimates reflect average commercial auto premiums for yoga-related business travel. Pricing varies by vehicle usage, limits, drivers, and mileage.

General Liability Insurance

General liability insurance is often the first policy yoga teachers buy, costing about $30 per month on average. It covers third-party bodily injury and property damage claims that occur during classes, workshops, or events.

If a student trips on a meditation cushion and sprains a wrist, or if you knock over and break a client’s tablet while adjusting the lighting, general liability can help cover medical bills, property replacement, and legal expenses if a claim is filed.

Common limits for yoga instructors are $1 million per occurrence and $2 million aggregate. Rates depend on student volume, teaching location, class style, claims history, and whether you add additional insured certificates for gyms, schools, retreat hosts, or coworking studios.

Average annual premiums in 10 states:

Note: Estimates reflect blended averages for yoga liability policies using market sample quotes. Actual costs vary by exposure level, class frequency, endorsements, and location.

Yoga Teacher Business Insurance Costs By Provider

Yoga teacher  business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average annual premiums for yoga teachers and small studios observed across both small and large agencies, reflecting common coverages such as general liability, professional liability (E&O), a business owner’s policy (BOP) where applicable, and optional add-ons like cyber or equipment coverage; actual premiums will vary by location, class size and frequency, teaching modality, experience, claims history, limits/deductibles chosen, and whether you teach in-person, online, or at multiple venues.

What Factors Impact Yoga Teacher Insurance Costs?

Yoga teacher insurance premiums are carefully calculated by underwriters based on your business’s risk profile. Factors like the types of classes you teach, your location, how many students you have, and your claims history all influence what you’ll pay for coverage.

Type Of Yoga Classes

Different types of yoga classes carry different risks. For example, a gentle yoga class usually has lower risk than a high-intensity or hot yoga class, so your insurance costs might be lower.

Location

Yoga teachers in busy cities or areas with higher crime rates may pay more for insurance. A studio in a quiet suburban area might have lower premiums.

Class Size And Operation

Having more students or multiple classes increases the chance of accidents or injuries, which can raise your insurance costs. Also, if you have employees or other instructors, workers’ compensation costs may increase.

Equipment And Studio Space

If you own an expensive studio with special flooring, mirrors, or equipment like yoga props and sound systems, your property insurance premiums might be higher. You might also add coverage for equipment damage or theft.

Claims History

If you’ve made many insurance claims before, underwriters may see you as higher risk and charge higher premiums. A clean history can help you get discounts.

Policy Limits And Deductibles

Choosing higher coverage limits gives you better protection but costs more. Picking a higher deductible lowers your monthly premium but means you pay more out of pocket if something happens.