The Complete Guide to Yoga Studio Insurance
Insurance is your safety net—but most studio owners are either underinsured or overpaying. This guide breaks down exactly what coverage you need.
General Liability: Your Non-Negotiable Foundation
Every studio needs General Liability insurance. This covers student injuries, slip-and-fall accidents, and property damage.
Coverage recommendation: $1-2 million per occurrence, $3 million aggregate. Expect to pay $800-1,500 annually.
Professional Liability (E&O)
Covers claims of negligence or improper instruction. Essential if you offer teacher trainings.
Property & Equipment Coverage
Covers your mats, blocks, sound systems, and fixtures. Don't rely on your landlord's policy.
Workers Compensation
Required in most states if you have employees. Covers medical expenses if teachers get injured on the job.
How to Save 20-30% on Premiums
- Bundle policies with one carrier
- Implement documented safety protocols
- Increase deductibles from $500 to $2,500
- Join yoga studio associations for group rates
