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YOGA INSURANCE

Starting at $175/year

Professional brokers providing SMART

policies for your profession.

July 9, 2020 COVID-19 Update – Appointments required to see a broker. For more information please click here to visit our COVID-19 Update page.

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COVERAGE

Our Yoga Insurance policy for your industry has broad coverage. The program is custom-designed for yoga teachers in Canada by liability insurance experts with the consultation of yoga teachers and students alike. With limits up to $5,000,000 for both Professional and General Liability Insurance, we have you covered.

AAdvantage Insurance is 100% client driven and available for you to contact 24 hours a day.

SERVICE

We offer our yoga insurance coverage for over 30 different types of yoga. Our brokerage is 100% client-driven. With 24-hour claims service, online chat and text message, you can get all your questions answered or simply give us a call at 226-641-0777.

With generations of expertise, Advantage Insurance stands at the forefront of business insurance.

EXPERTISE

Our team of brokers has generations of knowledge and experience in providing Yoga Professional Liability insurance to Canadians. We stand at the forefront of offering Yoga Insurance to yoga teachers plus health and wellness practitioners in Canada.

Coverage and Premiums that are right for your business insurance with Advantage Insurance.

PRICE

We understand you work hard for your money. We want you to keep as much as possible. Our homework allows us to obtain the best product in the industry. Now you can choose coverage and premiums that are right for you and your yoga business. We know things are tough out there these days. EFFECTIVE IMMEDIATELY, we have added a MONTHLY payment option. Our online application and payment system makes it easy for you to get instant coverage at no additional cost.

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Choose your OWN policy with our online quote. NEW monthly payments are available.

Individual Yoga Teacher

$2,000,000 Limit

* Our new monthly plans include taxes.

Customized coverage for individual yoga teachers teaching in Ontario. This policy is flexible to allow you to practice in a studio, home, or anywhere you want.  Coverage includes both Professional Liability and General Liability to provide extra protection.

Individual Yoga Teacher

$5,000,000 Limit

* Our new monthly plans include taxes.

Coverage includes both Professional and General Liability with an increased coverage limit of $5 Million. This type of Yoga Insurance still has the customized coverage for individual yoga teachers teaching in Ontario, allowing you to practice in a studio, home, or anywhere you want.  

Yoga Insurance Home Business Sign

We realize that for the last two months, over 90% of you and/or your colleagues may not have been able to work. While the whole country worked to flatten the curve, you have made a great sacrifice.

 

We are here to help. After months of hard work, we can now offer you monthly payments on all our products. 

 

Our other piece of exciting news is our new Advantage Brand. For over 30 years, our family has been insuring Health and Wellness Practitioners. Our NEW Advantage brand reflects our message and service commitment. 

 

Thank you for all you have given to help others!

COVERAGE

Our Yoga Insurance policies are driven by professional and general liability. 

We offer many types of coverage and limits if your needs are specialized.

For more specific details check Yoga Description of Coverage.

Check the list on the Definition of Yoga page to see what styles are covered.

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Professional Liability

Professional liability is a smart choice. It is almost always a mandatory requirement to work at a yoga studio as a subcontractor (or even as an employee sometimes). The definition of Professional Liability is " damages because of injury arising out of the rendering of, or failure to render professional services." In other words, as a yoga teacher, you are responsible for any injury caused to a client during yoga class. For example, fainting or landing on someone when attempting a handstand. Ensure you have the protection advantage with our specialized yoga insurance.

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Commercial General Liability

Slips and falls can happen in any business. Unfortunately, your business is not immune to minor accidents. Imagine a client tripping on the corner of an old yoga mat at the end of your class. If you are teaching the class, you are probably responsible for accidents that happen in your class. Things happen. These accidents could result in lawsuits. That is why commercial general liability insurance (CGL) is imperative. Your CGL policy also has additional coverages automatically included at no additional charge. Protect yourself and your business with an insurance advantage.

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Content Coverage

Every studio needs insurance. Let us help you get the right coverage at the right price. Our plans offer extensive coverage for even the largest and most lavish studio in Canada. From custom decore to a full-service smoothie bar, we can insure it all. Plans include contents, loss of income, general liability business protection and professional liability for staff and subcontractors, crime and much more. Monthly payment plans are available. As a business owner, protect your investment with the complete advantage.

CLAIMS

Why is having a yoga professional insurance policy important to every Yoga Instructor and Yoga Studio?  Read more to find out.

Claims Examples

01.

Yoga Headstand Gone Wrong

When a yoga headstand goes wrong and comes crashing down on another student you may need yoga professional liability insurance.

02.

From H2O to Oh noooo!

Do your students bring water bottles to their mats?  Do they ever get knocked over?   Water can lead to a slip, fall and a liability insurance claim.

03.

From +40°C to -10°C in 60 seconds!

What does temperature have to do with a Yoga Class?  When hot and cold meet in under a minute, things can happen.

Frequently Asked Questions

Below are some specific questions we are asked about Yoga Insurance. 

For more FAQ’s please see our Advantage Insurance FAQ or  Definitions page.

Yoga Insurance starts at only $175 per year OR $20.79 per month. The policy includes both Professional Liability and General Liability insurance. 

Alternative Health is all we do. We have specialized in it for many years. We understand that most Yoga Teachers work part-time and make under $7,000 a year. Plus, with all the excellent training you receive, your industry becomes a very safe risk allowing us to keep our prices as low as possible. We understand your business.

YES! Our yoga insurance has no limitation as to where you work or from how many studios you offer classes. We have found most yoga teachers work at more than one studio.

Yes.  We are currently working on an online credit card option.  Should your credit card be declined, we will keep trying three additional times over ten days.  After that point, we will contact you with the information you provided on file. Until the online payment option is fully functional, you can contact us by phone to give us the credit card information.

For a look at what types of Yoga ares covered and which are NOT covered so our Definition Of Yoga Page.  If you don’t see your style of Yoga, please let us know and we will be happy to look into it further.

YES! Many Yoga Teachers work from home or give private lessons at a client’s home. Our Yoga Insurance policy will provide full coverage if you work out of your home or if you work in someone else home at no additional charge.

No. Virtually all homeowners’ policies exclude “business pursuits on-premises.” It is not uncommon for some carriers to cancel your homeowner (tenants or condo) policy if they find out you have a health and wellness business in your home and don’t have coverage. You should always advise your insurance company that you have a business in your home. If you have any problems, call us, and we can help!

We are one of only a few brokers in Canada to offer instant certificates. You can apply online today for an instant certificate. If you have any questions, feel free to give us a call at 226-641-0777 or look for our online chat icon.

“A business or person that carries out work for a company.” Most health and wellness professionals that work at a Clinic, Studio or Spa are subcontractors. A subcontractor will have a contract with the business owner to perform specific services at an agreed rate (or percentage). A subcontractor will be responsible for paying their taxes, CPP & EI.  A sub-contractor also MUST carry their own business insurance including, professional and general liability insurance.

Certificates of insurance are free! Just send us the name and address of the clinic, and we can send you one right away. Or click here for our Manage My Policy online request.

Yes and No?!? Your policy is like your car insurance policy that you may pay monthly. There is an industry-standard that must be followed by insurance brokers. Your yoga insurance policy is an annual policy with monthly payments.  If you cancel, you must pay the prorated portion of your premium for all fees and taxes. So the answer is yes,  you can cancel a monthly policy. However, there will be penalties for cancelling before paying for one full year.  Talk to your healthy broker today if you still have questions.

Yes! As a small business owner, you will have additional exposures you will need to insure.  Contents, equipment, stock, crime and liability insurance are essential to cover your space, to name a few. You may also want to add coverage to protect your staff or subcontractors working for you.  Policy’s start at $79 a month.  We will work with you to meet your specialized needs.  Talk to your healthy broker today. You can also visit our website at www.medi-spa-insurance.com for more information.

Yes and no. It did get attention for a few months in 2019 but has fallen off the radar. Goats are messy and are known to poop on the participants.  Although insurance is necessary, as your yoga insurance broker, we are real people and still have a sense of humour.  Give us a call today to get started.

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MEET YOUR HEALTHY BROKER TEAM

YOUR BUSINESS INSURANCE EXPERTS

David Stark & Chris Stark, RIBO

“We realize that during these difficult times, many of you have not been able to work, doing what you love. While the whole country worked to flatten the curve, you have made a great sacrifice.  Thank you. We are here to help. After months of hard work, we can now offer you monthly payments on most of our products as you start your business up again” – Chris & David

Chris Stark The Healthy Broker

“I’m so grateful to be able to help you with your Business Insurance needs. I’m passionate about my clients and what they do. Staying on top of the latest trends in my client’s industry is a priority.

 

My family and I are clients of many Health and Wellness professionals. As a family, we value self-care.  Our health would not be the same without massage, spa treatments, osteopaths, yoga, etc.  We hope to see you soon. In the meantime, technology allows us to complete work for you via email, text, telephone and chat.

 

At Advantage Insurance, I continue to make sure I am knowledgeable to ensure I can provide all types of businesses with the Insurance Advantage.” – Chris Stark

“Clients and their insurance needs are my expertise.  I have been working in the insurance industry for over 30 years.  I love finding out all about my client’s business. Then working with the insurance companies, I can negotiate the best product and price for your business insurance.  Working together, I will make sure your business is protected. 

 

My specialty is commercial insurance, including professional and general liability. I created the model of Speciality Programs used in the Health & Wellness Industry today. I am excited to now be working with the Ives Advantage brand, to merge their excellent insurance business with my specialty program expertise.

 

With Advantage Insurance, you can be sure I have the experience and expertise to provide your business with the Insurance Advantage.” – David Stark

David Stark, RIBO, Insurance Program Specalist
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Giving You An Insurance ADVANTAGE!

We know there are lots of brokers giving you options for insurance. Let us give you these Advantages:
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Experience Advantage

Our team has years of experience stemming from generations of learning and insight.

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Company Advantage

We have strong long-standing relationships with our insurance companies which help from purchasing polices, to renewal, to claims.

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Progressive Advantage

We are always adapting to the global industry by selecting new technologies to make available to you and adding new coverages to your policy.