Special offer: 15 months for 121
Get 15 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.1
Why do Yoga Instructors need insurance?
As a Yoga Instructor, if you were asked why you love what you do, you’d have a pretty long list of reasons to rattle off. After all, not all kinds of exercise provide such mental, emotional and physical benefits all in one activity, and this is what makes yoga unique.
But like all small businesses, there are risks in the operation of your business. Some incidents could have enough financial strain to completely bring your practice to a stop. Insurance that is customised for the common risks in your industry should be a key consideration when deciding how to protect your business.
If you’re operating a yoga studio, or contracted by a gym, incidents such as a client alleging your techniques caused them injury or pain could quickly turn into a pretzel of a situation. Having adequate insurance in place to protect you from the financial implications of such incidents is important to help make sure you can maintain your business’s core strength.
Don’t just insure, be sure
Business insurance can be complicated. What you think you’re paying for isn’t always what you get. As a broker and Yoga Instructors insurance specialist, Aon helps you find a policy customised for the common risk of your industry so you’re more confident that you’ve found the right type of insurance for your business.
Why Aon for Yoga Instructors Insurance?
Don’t just insure, be sure.
Right type of cover
- Aon arranges Insurance tailored to protect against common risks in the Yoga Instructors sector
- We help you to understand how your policy protects against the common risks as a Yoga Instructor
- Competitive premiums thanks to Aon’s scale and influence.
- A team of experienced Yoga Instructors insurance specialists to help you at every step
- We help you make claims and advocate on your behal
- Australian based teams.
Easy to manage
- Quotes online or over the phone on 1800 805 191
- Options to take out premium funding loans to pay monthly. Fees and charges will apply
- Adjust your policy any time. Terms and conditions may apply
- Easy renewal management
- Online requests for certificates of insurance.
Rely on Aon’s industry expertise in Yoga Instructors insurance
Business insurance can be complicated. What you think you’re paying for isn’t always what you get. At Aon, we want you to feel confident you’ve made a smart decision for your business insurance needs.
As SME specialists for Yoga Instructors insurance, we understand the risks that businesses like yours face and how to insure against them. We know insurance policies and understand that the detail of your policy wording is critical to providing the type of cover your small business needs. That’s why we help you by arranging policies customised for the common risks of your industry.
Our team of Australian-based SME insurance experts are here to support you and your business every step of the way. We’ll give you access to the relevant information required to help you understand the cover options available to you so you can feel more informed about your choice of insurance.
Public Liability Insurance helps protect your business against liability for third-party personal injury or property damage arising out of your business activities. For example, if a client or visitor was to slip and fall while on your business premises, you would look to this policy to cover the claim.
While these events may seem rare, if they do occur, the financial impacts can be very significant. As a Yoga Instructor, your profession involves significant interaction with clients, therefore Public Liability is a crucial cover to consider for your business, whether that’s at your office, out in public, or at your clients’ homes.2
A key part of this policy is Business Interruption, which can provide protection for lost revenue in the event your business is unable to operate as usual due to an insured peril.
Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. Cover is also available for damage to money (if you keep cash on premises), portable contents such as mobile phones and laptops, and Public Liability.
As a Yoga Instructor you may store valuable client data (such as personal details, bank account details and health records). When this type of personal information is kept digitally in your care, custody or control, it is important to consider the risks of data and security breaches. Cyber insurance may be worth considering when protecting your business against these risks.2
Cyber insurance has now become one of the essential products a business in the health industry should consider.
Product liability insurance helps protect your business against financial liability for third party injury or damage caused by products sold or supplied through your business.
Public and Products Liability policies can cover legal defence and court costs, assisting your business with the financial setbacks of defending a claim.2
Cover benefits of Yoga Instructors Professional Indemnity Insurance
2 hours complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice on risks insured under this Policy. Legal advice relating to your policy is not included.2
Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity cover that to suits you: $1 million, $2 million, $5 million, $10 million or $20 million.2
No excess for certain claims against the Professional Indemnity or Product Liability section, where provided in the Schedule.2
Public and Products Liability cover
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate for all claims.2
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or facts or circumstances which could give rise to a claim, before you purchased the policy.2
Subject to eligibility criteria and must be stated in the Schedule.
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating.2
Thank you for looking into renewing your policy through Aon. It is greatly valued that you are pleased with the level of service and coverage you receive.
Public Liability is an important cover for any business that interacts with members of the public. One of your clients or a member of the public could take a spill and hurt themselves or damage their property on your premises. This could lead to them making a claim against your business, and you could be held liable.
Am I covered if I conduct classes online?
Yoga classes being provided remotely / online is not excluded under the Aon Health Combined Professional Indemnity, Public & Products Liability Policy arranged through Aon.
What level of complimentary legal advice do I receive?
A total of 2 hours of complimentary legal advice is offered if you hold the Aon Health Combined Professional Indemnity, Public & Products Liability Policy. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.2
The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. This conversation will not impact the future cost of your insurance premium.
Can I be covered for additional modalities other than Yoga and Pilates under your policy?
Professional Indemnity and Public & Products Liability Insurance arranged through Aon is only intended to cover Yoga or Pilates. It is not intended to cover unrelated modalities. If you provide both Yoga and Pilates, you will need to add both modalities to your quote or policy.
Can I instruct children’s yoga or pregnancy yoga classes?
There are no restrictions on the type of classes you’re able to instruct, provided you hold the relevant qualification. We can add different types of yoga to your policy such as pregnancy yoga.
Why might I need run-off cover?
Even after you've retired or are no longer practising, you could still be subject to claims which arise from when you were in business. Under the Aon Health Combined Professional Indemnity, Public & Products Liability Policy, run-off cover allows you to arrange complimentary run-off cover for a period of 7 years in relation to incidents that happened while you were practising.2
When will I receive my certificate of currency?
When you purchase your Aon Health Combined Professional Indemnity, Public & Products Liability Policy online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers, the time line may vary.3
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example you have moved into new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 1800 805 191 or firstname.lastname@example.org
What are your opening hours?
Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours you can email us at email@example.com and we will pick up your query on the next business day.
Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding4 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on 1800 805 191 or by email on firstname.lastname@example.org.
2Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.
3We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox. If you're arranging the policy via one of our Brokers the time line may vary, however it is likely to be a minimum of 24 hours.
4Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.
Aon Health Combined Professional Indemnity, Public & Products Liability Insurance is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.