Public & Product Liability Insurance for Yoga Instructors

A purpose-built insurance policy for yoga instructors. Teach online, host outdoor classes or run a studio with confidence, knowing your business is covered for third-party injury and third party property damage claims.

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  • For solo practitioners & yoga studios
  • APRA regulated
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Cover up to $20 Million
Protection built for yoga instructors of all sizes
Quick Quote in 30 Seconds
Receive a quote online in real time
Starting From $3* a Week
Affordable cover that suits your business
Available 24/7
Buy and claim on your policy anytime, anywhere

Why Yoga Instructors Need Public & Product Liability Insurance

Every yoga session carries responsibility beyond the mat. Whether you teach in a shared studio, host outdoor sessions or operate your own space, you are responsible for your students' safety and the environment in which you teach.

Even carefully structured sessions can lead to unexpected incidents. If a student is injured during a yoga class or if someone else’s property is damaged, you may be held legally responsible.

Public & Product Liability (PL) Insurance is designed to respond to third-party injury or third party property damage claims arising from your business activities, but not from your teaching (this would be covered by Professional Indemnity insurance). It covers legal defence costs and compensation payable, subject to policy terms and limits.

Sami covers a wide range of yoga practices, including Baby Yoga, Bikram Yoga, Postnatal Yoga, Thai Yoga Massage, Water Yoga and more.

“At Sami, we keep insurance simple, fast and clear, so you can focus on teaching, not insurance complexities.”

Slips and Falls

A student slips on a polished studio floor and is injured.

REAL WORLD RISK
Student sought compensation for medical costs.

Accidents at Your Teaching Location

A student trips over equipment during class, resulting in injury.

REAL WORLD RISK
Claim lodged for injury-related expenses.

Incidents from Lessons at Client’s Home

You accidentally damage a valuable item in a client's home whilst setting up for a private yoga session.

REAL WORLD RISK
The instructor faced a liability claim for damage caused.

Products You Sell

A mat or wellness product you sold is later alleged to have caused harm or an adverse reaction.

REAL WORLD RISK
Customer lodged a formal claim for damages.

How Much Does Public & Product Liability (PL) Insurance Cost for Yoga Instructors?

Sami’s Public & Product Liability Insurance for yoga instructors starts from $3* per week. Your premium is calculated based on the size of your business and the level of cover you select, so you’re paying for the risks relevant only to your operations.

Business Size and Turnover

As your business grows, larger class sizes and increased activity can raise your potential claim and premium.

Level of Cover

Higher cover limits, such as up to $20 million, provide increased protection and will influence your premium.
“Only pay for the cover that fits your yoga business. Your premium is shaped around how you actually operate.”
Get a quote
Starting from $3* per week

Get Covered in 3 Easy Steps

Receive a quote and get covered – all through our online platform.

Get Insured
Make a Claim
1
Share Your Yoga Business Details
Share your turnover and business structure.
2
Select Cover and Get Your Quote
Receive a quick quote in 30 seconds. Choose your liability limit and review your policy options.
3
Activate Your Policy instantly
Pay online to start your cover immediately. Access your certificate of cover anytime through your account.
1
Lodge a Claim Online
Log in and provide details about the incident or issued claim with relevant documents.
2
Review the Claim
Our underwriter will access the information you provide and may request supporting documents if required.
3
Claim Progress & Resolution
Our underwriter will keep you informed throughout the process and confirm the outcome once finalised.

Insure Your Yoga Business from Liability Claims

Whether you’re launching new classes or booking a retreat, insurance shouldn’t delay your plans. Get cover online in minutes and have your Certificate of Currency ready when venues ask for it.

Quote received in real-time. No waiting.

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What Yoga Instructor Insurance for Public & Product Liability Covers

Our Public & Product Liability Insurance for yoga teachers and studios covers the practical risks that come with teaching classes, supplying equipment and selling products.

Third-Party Injury

If a student or member of the public is injured during your class, and holds you responsible.

Property Damage

Accidental damage to a hired studio or venue, or client property while conducting a session.

Equipment You Supply

Claims arising from props or equipment you provide during classes, such as blocks, straps or mats that may be defective.

Products You Sell

Claims connected to mats, straps, wellness items or other products sold through your business.

Legal Defence Costs

Legal expenses involved in responding to or defending a covered claim.

Settlements & Compensation

Compensation payable for approved third-party injury or property damage claims, within policy limits.

What’s Not Covered

While the insurance is comprehensive, it does not respond to every situation. Your cover is governed by the terms, conditions and exclusions outlined in your policy wording.

  • Claims or incidents known before your policy commenced

  • Intentional, reckless or criminal acts

  • Fines or penalties imposed by regulatory authorities

  • Disputes with no third-party injury/damage involved

  • Product recalls or the costs of withdrawing products from sale

  • Claims unrelated to your insured yoga business activities

Your Yoga Practice Deserves Dependable Protection

Compare managing a liability claim on your own versus having tailored Public & Product Liability cover behind your business.

Unprotected

SCENARIO: SLIP or TRIP INJURY DURING CLASS
$35,000 medical and legal claim
You are responsible for legal costs and compensation.
SCENARIO: PROP FAILURE
$20,000 injury demand
You pay defence expenses and settlement.
“A single claim can disrupt the business you’ve worked hard to build.”

Protected with Sami Insurance

PUBLIC & PRODUCT LIABILITY COVER
Up to $20M cover available
Legal defence costs included
CLAIM SUPPORT
Damages and settlement covered subject to policy terms and conditions
Payout as per your selected limit
Total Protection Starting from
$3*/week
Get a quick quote

Cover Both Professional Indemnity and Liability Risks in One Policy

Sami’s Allied Health policies provide Public & Product Liability and Professional Indemnity covers in a single policy, helping ensure that protection applies across both physical injury claims and allegations relating to professional advice or instruction.

Combining these covers into a single policy helps reduce the risk of gaps between both liability types if a claim arises.

Allied Health Business Policy

A combined Professional Indemnity and Public & Product Liability policy designed for allied health professionals, including yoga instructors. It provides broad liability protection within a single policy structure.

Why Choose Sami Insurance for Your Yoga Business

Because managing risk should be straightforward. Sami provides Public & Product Liability cover tailored to your yoga practice, with flexible limits and a fully online process designed to keep things simple.

Feature Sami Insurance Traditional Brokers Direct Insurers
Quote Process Instant online quote Quote provided after consultation and follow-up Online quote through a standard form
Average Quote Time Around 30 seconds for a quick quote, or around 3 minutes for a comprehensive quote. 2 - 3 days 10 - 15 minutes
Yoga-Specific Cover Structured for studios, outdoor and many specific Yoga professions Broad fitness categories Broad fitness categories
Policy Customisation Flexible cover tailored to your business needs Limited flexibility Limited flexibility
Pricing Approach Priced to reflect your setup and turnover May include brokerage fees Standardised pricing models
Cover Limits Flexible limits, up to $20M Varies by insurer Limited preset options

Did You Know? A Single Injury Claim in Australia Can Exceed Six Figures.

One claim can take years to recover from financially. Don’t let an unexpected incident turn into a financial setback. Secure Public & Product Liability (PL) cover online today.

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It only takes 30 seconds

Frequently Asked Questions

Clear answers about cover limits, claims and how liability insurance works for yoga practitioners across Australia.

What types of liability claims are most common for yoga instructors?

Do I need Public and Product Liability Insurance if I teach yoga part-time or casually?

How much Public & Product Liability (PL) cover should a yoga instructor consider?

How do I get a Public & Product Liability insurance quote?

Does Public & Product Liability (PL) cover apply at hired venues or outdoor locations?

When should I inform my insurer about a possible claim?

Public & Product Liability Insights for Yoga Instructors

Practical guides and insights to help yoga instructors understand their liability exposure, comply with venue requirements and manage claims with confidence.

  • Mar 18, 2026
  • The Sami Team

How to Respond to Professional Indemnity Claims with Clarity

Receiving a notice from an angry customer or a letter of demand from a solicitor threatening to take action against you, can feel like things are out of control. You may want to immediately try and defend yourself or apologize to fix the problem.

Read full article
  • Mar 5, 2026
  • The Sami Team

Do Freelancers/Sole Traders Need Liability Insurance?

It's tough out there from a litigation perspective. We know as a freelancer or sole trader that you really look after your customers.

Read full article
  • Mar 26, 2021
  • The Sami Team

Top tips for transitioning from home back into the office

Over the last year many of us have experienced the biggest workplace disruption in recent history. In addition to many offices shutting their doors and shops moving to a completely online model, many Australians had to pack up and work from home indefinitely.

Read full article
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