Yoga & Wellness Studio Insurance
Lions & Coventry is run by a licensed agency owner who also teaches yoga. We know what happens in a studio: hands-on assists, heated rooms, props, rented event spaces, online classes, and teachers who come and go. We help yoga, pilates, barre, and wellness studio owners across the U.S. line up coverage that fits how they actually run.
Sacramento and Placer County are home base for the agency — useful as a local example, not the limit of who we serve.
What studios usually ask about
- General liability for student slips, falls, and equipment injuries
- Professional liability for instruction and assists
- Property or a business owner’s policy for your space, mats, and gear
- Workers’ compensation when teachers are employees (rules vary by state)
- Coverage when you rent a hall or host a retreat or workshop off-site
- Cyber coverage if you take bookings and payments online
A note on teacher classification
Whether your teachers are employees or contractors is a legal question under your state’s employment rules, so talk to your employment attorney. Once you know, we’ll match your coverage to it.
Related coverage
- Commercial general liability insurance — slips, falls, and premises exposure
- Professional liability insurance — instruction and hands-on assists
- Workers’ compensation — when teachers are W-2 employees
Talk to a licensed producer
If you own a yoga, pilates, barre, or wellness studio anywhere in the U.S., talk to a licensed Lions & Coventry producer. Producers quote and place with available carriers — we don’t invent premiums or promise approval.
Call (916) 967-7715
Request a quote
Lions & Coventry Insurance Services · California License #0G22084 · lionsandcoventry.com
Coverage is subject to underwriting and carrier availability by state. This page is general information, not insurance or legal advice.
FAQ
Do yoga teachers need their own insurance if the studio has a policy?
It depends how the studio is structured and what the policy actually covers. Many studios carry general liability and professional liability for the business; individual teachers sometimes carry their own professional liability, especially if they teach at multiple locations or as independent contractors. Ask a licensed producer to review your setup — do not assume the studio policy automatically covers every teacher in every situation.
Do I need workers’ comp for part-time yoga teachers?
Workers’ compensation rules vary by state. If your teachers are employees, many states require workers’ compensation regardless of part-time hours. Whether someone is an employee or a contractor is a legal classification question under your state’s employment rules — talk to your employment attorney first, then we’ll match coverage to that determination. Producers quote and place with available carriers; we don’t invent premiums or promise approval.
Does my policy cover workshops I host at another venue?
Not always automatically. Off-site workshops, rented halls, and retreats often need to be disclosed so the carrier can confirm premises and liability terms for that location. Tell a producer about venues you use regularly so the quote reflects how you actually operate. Coverage is subject to underwriting and carrier availability by state.
What does hot yoga change about coverage?
Heated rooms can raise questions about slips, heat-related incidents, and property (HVAC, flooring, mats). Carriers may ask about temperature practices, student screening, and how you manage the space. Bring those details to the conversation so producers can shop available markets accurately — placement is never promised.
Can Lions & Coventry help studios outside California?
Yes. Sacramento and Placer County are home base for the agency, but we work with yoga, pilates, barre, and wellness studio owners across the U.S. Producers quote and place with available carriers by state — we don’t invent premiums or promise approval. Coverage is subject to underwriting and carrier availability.