Fitness Facility Insurance: What It Covers & Why You Need It

Whether you teach yoga classes, rent space, or operate a studio, yoga insurance provides essential protection. While not legally required in most regions, it helps shield you from liability and financial risk.

1. What Is Yoga Insurance?

Yoga or fitness insurance typically includes:

• Professional liability coverage (a.k.a. malpractice or errors & omissions)

• General liability insurance for accidents or injuries on your premises

• Optional add-ons like property coverage, equipment protection, and business interruption

This type of coverage supports instructors and studios in handling legal claims or injury-related costs.

2. Why You Might Need It

✅ Personal Protection

If a student gets injured—such as tearing a muscle or slipping—you could face a lawsuit if found negligent.

✅ Studio Requirements

Many studios now require instructors to hold their own liability insurance before teaching classes onsite.

✅ Client Trust

Carrying insurance builds confidence and avoids banning from platforms like online class directories or booking apps.

3. What It Involves and Typical Cost

• Premiums usually range from $150 to $400 per year for individual instructors

• Studio packages may include property and general liability starting around $600+ per year, depending on size

• Coverage limits often range from $1 million to $2 million per claim with a $1,000 deductible

Coverage varies with location, number of classes and students, and claim history.

4. What It Covers vs. What It Doesn’t

Covered:

• Student injuries from yoga poses or slips

• Third-party property damage in your teaching space

• Claims for negligence or improper instruction

Not covered:

• Injuries unrelated to teaching activities (e.g., off-class accidents)

• Deliberate misconduct or illegal acts

• Health disorders due to personal medical issues outside class

5. How to Choose a Policy

When selecting coverage:

• Check if studios or venues require proof of insurance

• Ensure policy includes professional and general liability

• Consider the number of students and class frequency

• Ask about location-specific licensing or permit needs

• Explore bundled discounts if you run in-person and online classes

Summary Table

Final Takeaway

Yoga insurance isn’t mandatory everywhere, but it’s highly advisable for instructors and studios. It helps manage risk, satisfy venue requirements, and ensure coverage against injury claims. Consider policy size, location, and student volume when choosing your plan.

Need expert help finding the right yoga or fitness liability coverage?
With over 30 years in insurance and partnerships with nearly 100 providers, THAgency can compare policies to suit your business type and risk level. Send your request today—secure, fast, and no obligation.