- The Sami Compliance Team
How does insurance work?
The key role of insurance is to help people financially protect themselves against life's uncertainties, such as natural disasters, a car accident or an illness while on holidays.
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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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.”
A student slips on a polished studio floor and is injured.
A student trips over equipment during class, resulting in injury.
You accidentally damage a valuable item in a client's home whilst setting up for a private yoga session.
A mat or wellness product you sold is later alleged to have caused harm or an adverse reaction.
Receive a quote and get covered – all through our online platform.
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.
Our Public & Product Liability Insurance for yoga teachers and studios covers the practical risks that come with teaching classes, supplying equipment and selling products.
If a student or member of the public is injured during your class, and holds you responsible.
Accidental damage to a hired studio or venue, or client property while conducting a session.
Claims arising from props or equipment you provide during classes, such as blocks, straps or mats that may be defective.
Claims connected to mats, straps, wellness items or other products sold through your business.
Legal expenses involved in responding to or defending a covered claim.
Compensation payable for approved third-party injury or property damage claims, within policy limits.
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
Compare managing a liability claim on your own versus having tailored Public & Product Liability cover behind your business.
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.
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.
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.
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.
Clear answers about cover limits, claims and how liability insurance works for yoga practitioners across Australia.
Practical guides and insights to help yoga instructors understand their liability exposure, comply with venue requirements and manage claims with confidence.
The key role of insurance is to help people financially protect themselves against life's uncertainties, such as natural disasters, a car accident or an illness while on holidays.