Yoga insurance usually covers the teacher. This covers the whole studio, from $24/mo, and most yoga studios we insure pay about $129.
Yoga studio insurance is one policy covering the studio as a business, the instructors you employ, your staff, your space, and your equipment. It covers the classes a studio actually runs, including hot yoga, heated power yoga, prenatal, restorative, sound healing, and trauma-informed sessions, plus virtual classes.
It also covers the things most policies leave vague. Aerial yoga, silks, and pole are covered, which a lot of carriers won't write, you just pick the aerial option when you apply so it's classified right. And beach classes, park classes, and pop-ups are covered as long as you tell us you teach off-site when you get a quote.
Yoga instructors and studio owners usually get pushed into instructor-level coverage: a Yoga Alliance member policy or a solo-teacher plan that protects the person, not the business. The moment you sign a lease, hire instructors, or build out a space, that coverage doesn't reach far enough. The instructor policies Hartford, beYogi, and K&K sell all work this way.
We cover the whole studio under one policy, and you don't need every instructor to be Yoga Alliance certified to bundle them under it. You're priced and classified as a studio, not as the highest-risk thing the word "yoga" might imply.
A studio's risk concentrates in a few places. Here's where each coverage earns its place.
Covers the injury claims a studio sees: a client slips on a mat, a visitor trips in the lobby, a prop falls. It includes the legal defense, at $1M per occurrence and $3M aggregate, and it's the coverage your landlord writes into the lease.
Learn more →Your product is instruction, so this is the one generic policies quietly leave out. If a client says an instructor's adjustment or cue caused an injury, professional liability answers it.
Learn more →A real pain point in this industry, and the coverage instructor policies most often skip. Yoga is hands-on and close-quarters, with adjustments and one-on-one work, so abuse and molestation coverage belongs on the policy. It's included.
Your mats, props, sound systems, retail, mirrors, and build-out. Business personal property covers them at replacement cost, so a fire or burst pipe doesn't come out of your pocket to reopen.
Learn more →If you have instructors on payroll, most states require workers' compensation for on-the-job injuries. It isn't part of the liability policy, so you add it where your state requires it.
Learn more →A yoga studio runs on memberships and class packages. Close for three weeks after a fire and that income stops while rent and payroll keep coming. Business income covers the gap until you reopen, bundled with your liability and property on one policy.
Learn more →Coverage is easier to judge against real situations than against a list of coverage names.
Most yoga insurance is sold at the instructor level. Here's what that leaves out, and what a studio policy covers.
| Coverage area | Instructor / Yoga Alliance policy | Studio policy |
|---|---|---|
| Covers the studio, not just the instructor | ✗ | ✓ |
| Bundle staff without each being Yoga Alliance certified | ✗ | ✓ |
| Hot and heated yoga | Often vague | ✓ |
| Aerial, silks, and pole | Usually excluded | ✓ |
| Off-site classes (beach, park, pop-up) | Often silent | ✓ |
| Sexual abuse and molestation | Often excluded | ✓ |
The short version of your studio policy, including the parts we don't write. The full list is on <a href="/whats-not-covered">what's not covered</a>.
| Covered on the studio policy | |
|---|---|
| Third-party injury and property damage claims | ✓ |
| Claims about your instruction | ✓ |
| Mats, props, sound systems, retail, and mirrors | ✓ |
| Buildout and tenant improvements you paid for | ✓ |
| Abuse and molestation, at a sublimit | ✓ |
| Business income if you have to close | ✓ |
| Available, but its own policy | |
| Workers' compensation, if required in your state | + |
| Aerial, silks, and pole, by selecting the aerial fitness business type at quote | + |
| 24-hour and unstaffed access | + |
| Not covered | |
| Classes with infants or animals | ✗ |
| Physical therapy and sports rehab under the same business entity | ✗ |
| Cryotherapy | ✗ |
| Large public or paid events | ✗ |
Yes, we cover 24-hour and unstaffed yoga studios. Access outside staffed hours is excluded on the base policy and added back for about 15% on the liability portion, roughly $15 to $20 a month for most studios.
Infrared and heated rooms are covered as part of your studio.
More on how the add-back works: 24-hour gym insurance.
Your mats, props, blocks, bolsters, sound system, retail stock, and mirrors are insured as business personal property at replacement cost. No depreciation, so a five-year-old sound system is covered at what it costs to replace today.
You set the limit by telling us what you own. Bring a rough inventory and replacement values to the quote and we build the property limit around them. Studios usually undercount here, so count the retail rail and the front desk computer, not just the studio floor.
The buildout counts too. If you put in a sprung floor, mirrors, cubbies, or the heating system for a hot room, those tenant improvements are covered as your property even though the landlord owns the walls.
Here's what yoga studios actually pay, next to a typical generic small-business quote for the same studio.
What moves the number: your business type, how big the space is, where you are, the limits you pick, and whether members can get in outside staffed hours.
We cover yoga studios in all 48 contiguous states. If you're in California, Texas, Florida, or New York, your state guide has the local rules.
Typical studio premium is about $129/mo ($1,546/yr), with most studios between $1,000 and $2,300 a year, pulled June 2026 (Studio Fitness class, a small sample, so treat it as a guide). Coverage starts at $24/mo. Your rate depends on studio size, location, classes, and coverage limits. See full pricing details.
We're gym owners. We built insurance that prices a studio like a studio and covers the whole business, not a solo-teacher policy stretched to fit. PushPress has been in fitness for 20+ years, and we built the insurance product directly with A-rated, reinsured carriers, so there's no broker in the middle and no extra fees on your premium.
One application, a quote in about five minutes, and you can bind the same day with your certificate of insurance available immediately, which matters when a landlord needs proof. Available in the 48 contiguous states.
Updated September 4, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.