Make Sure Yoga Instructor Insurance Will Cover You
Yoga instructor insurance is a necessary part of the business planning of anyone who wants to offer their services to the public. Even though yoga is not intrinsically a dangerous activity, everyone who offers services to the public needs a degree of indemnity insurance to protect themselves against the possibility of being ruined in a lawsuit. There are policies which are specifically designed to be used by people preforming health related services, either in their own homes or in premises which they rent from the owners for the day.
The type of insurance you need will obviously depend on the jurisdiction in which you practice, as there are slightly different rules in different places. In most cases, you will need to have a third party insurance to indemnify yourself in case anything unforeseen should happen. The policies are usually only offered to those who have some kind of formal qualification in the health discipline they are practicing, and this makes it extremely difficult for anyone who is not formally qualified to practice. Gaining a qualification is not exceptionally difficult if you have the knowledge and experience of practicing yoga for yourself, and there are many intensive courses.
A lot of yoga which is practiced in private practice is aimed at creating a certain mental state within the patient, and this will usually be for the purposes of relaxation. This type of yoga is the safest to practice, as long as there are no extreme body movements being made. It is only when more advanced positions start coming into the plan that there can be any serious risk of difficulty, and if a client does receive an injury as a result of this advanced practice you could be very glad you took out the insurance. Most clients are genuine people and will not take legal action over an accident, but there are always some who will.
The practitioners who need yoga instructor insurance the most are those who work with people with physical conditions. There is a fine line between yoga relaxing the muscles and loosening the joints, and the body being stretched too far, resulting in an unforeseen injury. When this happens, there is a significant chance that the client will blame his state of affairs on your training, especially if you have only just started working together. This type of situation can easily result in a lawsuit which could be ruinous to a business, and therefore insurance is absolutely necessary.
There are also many yoga instructors who are employed privately to deal with certain individuals in their own homes. This will demand different different type of insurance, as you are no longer operating on your own premises. Make sure that the insurance you take out covers you for every eventuality in every location in which you operate, including the homes of clients. This type of yoga instruction can be lucrative, and it can be the most rewarding for the practitioner who finds a client they can work well with.
As ever with insurance, it is the premiums which are paid for yoga instructor insurance which can vary the most, with an increasingly competitive market. As the trend towards litigation has continued to extract money from the businesses of those who provide health services, so the insurance premiums have risen. The Internet has opened up the opportunity for new providers to come on to the scene with lower overheads, and this has helped to lessen the upward trend in premiums. While it is tempting to take the first offer you see if it looks good, make sure that you compare yoga instructor insurance.Author: Marc Knox
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