Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK yoga studios — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Yoga looks low-risk, but claims do happen — and insurers look closely at instructor qualifications, what's declared, and how freelance teachers using your space are covered.
Cover generally only responds to classes taught by an appropriately qualified instructor. Teaching a discipline you haven't declared — such as hot yoga or aerial yoga — without telling your insurer can leave a related claim unsupported.
A signed liability waiver can help demonstrate a student understood the risks, but it doesn't reliably protect against claims of genuine negligence and won't cover your legal costs the way insurance does — the two work best together, not instead of each other.
If you let self-employed teachers use your studio, your own policy typically doesn't cover their teaching. It's worth checking each visiting teacher holds their own public liability and professional indemnity cover before they take a class.
Asking new students about injuries or health conditions before class, and adapting instruction accordingly, is good practice that insurers may expect to see followed if a claim arises.
Hot yoga, aerial yoga and similar specialist formats carry different risk profiles from standard mat-based classes and may need to be specifically declared and covered.
If you stream classes to clients abroad, check your policy extends to those territories — most UK policies exclude the USA and Canada unless specifically extended.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from customers injured on your premises or as a result of your products or services. Essential for any business open to the public.
Covers your stock, equipment and shop fittings against fire, theft and accidental damage. Make sure the sum insured reflects replacement cost, not purchase price.
Replaces lost income if you're forced to close due to an insured event — fire, flood or equipment failure. Covers ongoing costs while you're unable to trade.
Covers claims arising from products you sell or food you prepare causing injury or illness. Essential for food businesses and retailers selling physical goods.
Required by law if you have any employees. Covers claims from staff injured or made ill as a result of working for you.
Covers the structure of your premises against fire, flood and damage — if you own the building. If you're a tenant, check what your landlord's policy covers.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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