As a yoga teacher, you get up close and personal with your clients on a regular basis. Whether your primary skill is providing technique support or business skills, or something else altogether, there is a reason you need yoga instructor liability insurance.
You see, each of these different skill sets involves very close work with a client and his or her body. That means you may need liability insurance more than folks who make their living in a more hands off manner. After all, one of the main purposes liability insurance serves is to protect you against a client's claims of damage or injury, whether the damage or injury is allegedly due to a lack of skill or competence on your part or due to a product you used on your client.
The two forms of protection described above are malpractice insurance and product liability insurance, both of which should be included in a strong yoga teacher liability insurance policy.
With this kind of coverage, you will be protected against those rare situations when a person might sue you for damage or injury.
Even though these occurrences are fairly rare, they are far from nonexistent. Again, this is why yoga teacher liability insurance exists in the first place. Much like automobile insurance, it is there to cover you when an accident—or an unexpected claim—takes place.
As far-fetched as some scenarios may seem, you never can tell what will happen when you are working with the general public. Far more likely, however, is a case where a client accidentally gets hurt on your property, then sues.
For instance, a person who slips on a spill in the hallway at your studio and breaks her wrist could choose to sue you and your business. In these situations, you will want and need the general liability insurance that is included in a strong yoga teacher insurance policy.
General liability basically refers to these "slip and fall" types of occurrences that no one can predict or be completely prepared to prevent. As the old saying goes, "accidents happen," and you will need the general liability portion of your yoga teacher liability insurance to clean up the mess.
Before you balk at the thought of signing up for yoga teacher liability insurance and convince yourself that nothing like the above scenarios could ever happen to you as a yoga instructor, consider the fact that yoga teacher insurance is often a requirement in order to do the work that you love.
Whether it is the regulatory board of the state or city in which you practice, the professional organization to which you belong, or simply the employer you choose to work for, obtaining esthetician liability insurance may be a necessary step to start your career.
Fortunately, you should be able to secure a solid yoga teacher liability insurance policy for less than 0 per year. Do your homework and find a liability insurance program that both suits your budget and provides optimal protection.
The National Association of Complementary and Alternative Therapy (NACAMS) is a national insurance provider offering CAM professionals comprehensive liability insurance and practice support. While providing the best value to the practicing CAM professional, NACAMS liability insurance package is the most comprehensive in the CAM industry. By focusing our liability insurance exclusively on the complimentary and alternative medicine professional we are able to provide a personalized experience and a comprehensive plan of member benefits.
No comments:
Post a Comment