yoga insurance

Yoga Insurance.

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Types of insurance for yoga instructors and studios:

Liability Insurance

It is compulsory to have employers’ liability insurance if you have any employees (with some exceptions).

This is to protect you if a member of staff sues you due to injury, death or property damage or loss in the course of their employment. 

Public liability insurance provides you with financial protection if a third party or customer was to sue you for causing them injury, death, disease. 

Furthermore, it also covers you if you cause damage to third party property as a result of your negligence.

In addition, products’ liability provides you with financial protection if you were sued due to a defective product you have sold. 

Professional indemnity insurance covers you for the legal costs involved in defending you against any claims made due to providing poor advice or an inadequate service. 

Property Insurance

In short, equipment cover protects you against damage and loss to your yoga business equipment for events such as flood, fire or birst pipe damage. 

To sum up, stock insurance will cover you for damage or loss to the products you sell.

Firstly, if you own the buildings you trade from or if your lease agreement stipulates you are responsible for insuring the buildings…

You should take out buildings insurance to protect your buildings from damage or loss. 

In brief, if you are unable to trade as a consequence of damage or loss that has occurred to your premises then business interruption will indemnify you for your loss of earnings.

Furthermore, it is usually up to an agreed period of time (normally between 12 and 36 months). 

In addition, some insurance products provide extensions to business interruption cover such as…

Covering you if you can’t trade due to denial of access or if the utilities have a power failure. 

Additional Covers

In short, Money insurance provides you with cover if money associated to your business is damaged, lost or stolen. 

In short, goods in transit insurance will provide you with cover if your goods suffer damage or loss whilst they are in transit. 

In short, Legal Expenses insurance will cover you for costs involved to defend or pursue a claim in the courts of Law as a result of any business related disputes. 

Firstly, damage caused by terrorism is excluded from most standard insurance policy wordings.

Whereas, most insurance policies will give you the option to write back terrorism insurance, usually via a third party insurer. 

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3 reasons you should Trust Tom with your yoga insurance

1.) You Will Save Money On Your Yoga Studio Insurance or Yoga Teacher Insurance

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2.) You Will Have An Expert Handle Your Yoga Insurance

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3.) You Are Supporting A Charity

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Other insurance types you may be interested in...

Personal Trainer Insurance

Home Insurance

How to save money on your yoga insurance

Do not accept first quote

#1 Never Accept The First Quote You Receive

Most insurers will allow up to 20% or 30% discount on the original premium you were quoted. But it isn’t as simple as asking for discount. Insurers need a reason to discount. 

How to negotiate maximum yoga insurance discount:
Double check your gym insurance

#2 Make sure the sums insured on your schedule are correct

Brokers tend to use more than one insurer to get you yoga insurance quotes. Some insurers give generic covers for free (that you may not need). However, if your broker uses the same Statement of Fact to get another quote, you could be paying for cover you do not need. 

Examples of what you need to double check:

#3 Give fantastic remediation measures if you have previous claimed

If you have made a claim this firstly will usually mean you have lost some no claims discount. In addition, insurers usually apply a load on your premium. Insurers will consider reducing this load for the right reason. 

How to reduce a claims load on your premium: