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.

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

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

General Liability Insurance

The average cost of general liability insurance for a yoga teacher is about $30 per month.

General liability covers third-party bodily injury, property damage, and advertising injuries. For example, if you accidentally knock over a student’s phone or laptop during class and it breaks, general liability insurance could help pay for the cost to repair or replace their damaged property, as well as any legal costs if they file a claim.

Typical policy limits are $1 million per occurrence and $2 million aggregate.

Factors that influence the cost include the business size, location, customer traffic volume, previous claims history, the types of yoga styles you offer, and any additional insured endorsements you select.

Here’s a look at the average annual premiums for 10 different states:

Note: Estimates are modeled from blended average annual General Liability premiums for yoga teacher businesses using sample quotes from small and large insurance agencies and reflect yoga-specific exposures (class size and frequency, studio vs. mobile instruction, use of props, client physical-contact risk, professional credentials and training, and local liability trends); actual premiums will vary by insurer, coverage limits and endorsements, claims history, number of classes taught, location, and other business- and site-specific underwriting factors.

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $63 per month for a yoga teacher.

A BOP bundles general liability insurance with commercial property insurance. It protects against customer injuries, property damage, and loss or damage to your studio, furnishings, and equipment. For example, if a small fire damages your yoga studio’s floors, mirrors, and sound system, the BOP would help cover the cost of repairs and replacing your damaged equipment.

Typical policy limits are $1 million per occurrence and $2 million aggregate for liability, with separate property coverage limits based on the value insured.

Cost factors include the business property value, location risk (such as flood or crime rates), business revenue, number of employees, and your specialty.

Here’s a look at the average annual premiums for 10 different states:

Note: Estimates are modeled from blended average annual Business Owner’s Policy (BOP) premiums for yoga teacher businesses using sample quotes from both small and large insurance agencies and reflect yoga-specific factors (studio vs. mobile instruction, number of classes and students, on-site property and equipment values, professional liability exposures, and local loss trends); actual premiums will vary by insurer, coverage limits and endorsements, chosen deductibles, claims history, location, and other business- and site-specific underwriting factors.

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a yoga teacher is around $57 per month.

Workers’ comp covers medical bills, rehabilitation, and lost wages for employees injured on the job. For example, if one of your yoga instructors strains their back while demonstrating a pose during class, workers’ comp would help cover their medical treatment and a portion of their lost income while they recover.

Policy limits are regulated by each state, but typically include medical costs and a percentage of lost wages without a set cap. California, New York, and Pennsylvania requires all yoga businesses to carry workers’ comp if they have at least one part-time or full-time employee. Yoga businesses in Florida may need workers’ comp once they have four or more employees.

Self-employed yoga instructors may need additional workers’ comp for themselves, in case personal health insurance plans don’t extend to work-related injuries.

Premiums are influenced by the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Here’s a look at the average annual premiums for 10 different states:

Note: Estimates are based on blended average annual Workers’ Compensation premiums for yoga teacher businesses using sample quotes from both small and large insurance agencies and reflect yoga-specific factors (payroll size and mix of instructors, class frequency and locations, studio vs. mobile teaching, local wage levels, and regional claim frequency); actual premiums will vary by insurer, state rate filings, experience modification factor, payroll audits, safety practices, and other business- and site-specific underwriting factors

Commercial Auto Insurance

The average cost of commercial auto insurance for a yoga teacher is about $150 per month.

Commercial auto insurance covers vehicles owned or used by the business for accidents, theft, vandalism, or damage. For example, if you use your business van to transport yoga mats and props to a private class and get into an accident on the way, this policy would help cover vehicle repairs and any third-party injury or property damage claims.

Factors influencing the cost include the number and type of vehicles, how often they are used, the driving records of employees, and whether you add endorsements like hired and non-owned auto insurance (HNOA) for employee-owned vehicles.

Here’s a look at the average annual premiums for 10 different states:

Note: Estimates are modeled from blended average annual Commercial Auto premiums for yoga teacher businesses using sample quotes from both small and large insurance agencies and reflect yoga-specific factors (number and type of vehicles used for studio visits or mobile classes, driver records, annual mileage, garaging ZIP code, vehicle values, and frequency of client transport); actual premiums will vary by insurer, coverage limits and deductibles, the insured’s driving history, vehicle usage, fleet size, and other business- and location-specific underwriting factors.

Professional Liability Insurance

The average cost of professional liability insurance for a yoga teacher is about $42 per month.

Professional liability insurance (also called Errors and Omissions Insurance) protects your business if a customer claims you made a mistake, gave bad advice, or didn’t do the job properly, and it caused them a financial loss.

For example, if a student says they were injured after following your guidance during a class and claims you didn’t provide proper warnings or modifications, they might sue you for negligence. This insurance would help cover your legal defense costs and any settlement or judgment you’re required to pay.

The cost of professional liability insurance depends on things like how much coverage you want, how big your business is, and the kind of services you provide.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are annual averages for a solo or small-group yoga teacher business using typical coverage limits and reflect a blend of quotes from both small independent brokers and larger national insurers; actual premiums will vary based on coverage limits, claims history, class size and format (in-person vs. online), location, additional insureds, and other risk factors

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.

How To Lower Your Yoga Teacher Insurance Costs

Being a yoga teacher can be expensive, but your insurance bill doesn’t have to break the bank. While you can’t eliminate the need for coverage, you can take smart steps to reduce your premiums without sacrificing protection. Here are some practical ways to lower your yoga teacher insurance costs:

1. Bundle Your Policies

One of the easiest ways to save is by bundling multiple policies. Most insurers offer a Business Owner’s Policy (BOP) that combines general liability and property insurance at a lower rate than if you bought them separately. If you also need workers’ compensation, bundling both through the same provider can lead to additional discounts. Not only does this simplify your paperwork, but it also makes your coverage more cost-efficient.

2. Ask About Discounts

Insurance companies often reward businesses that commit to a policy long-term. Ask your provider if they offer multi-year discounts for signing a two- or three-year agreement instead of renewing annually. You might also qualify for lower rates if you pay your premium in full instead of in monthly installments.

3. Implement Safety Measures

Accidents can be costly for both your yoga business and your insurance company. Taking steps to reduce the risk of injuries during classes can help lower your insurance premiums over time. For example, keeping the studio clean and dry, using non-slip mats, properly maintaining equipment like blocks and straps, giving clear instructions, and offering modifications for different skill levels can all reduce the chance of accidents. This helps you avoid insurance claims and keep your general liability costs down.

Similarly, make sure you correctly classify your yoga employees correctly to reduce the workers’ comp coverage requirements.

4. Create A Safe Working Environment

A strong safety program can help lower workers’ compensation costs for your yoga business. This includes training yourself and any staff on how to guide students safely, spotting and preventing injuries, using equipment properly, and keeping the studio clean and hazard-free. When everyone works safely and accidents are reduced, you file fewer claims, which can lead to lower insurance premiums over time.

5. Adjust Your Deductible

Your deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing a higher deductible can significantly reduce your monthly premiums. Just make sure you can comfortably cover that amount if a claim arises.

By taking these steps, you not only save money but also make your yoga business a safer and more resilient business.