Do I need public liability insurance to teach Laughter Yoga? Can you recommend one?
Posted by Sebastien Gendry on 01 February 2012 04:09 PM
This is a loaded question and we cannot give you a definite legal answer. If you have any doubt about what you may or may not need, we recommend that you speak with your local insurance professional.
There are two sides to this question:
1. Who qualifies for a Laughter Yoga insurance?
Here what our own insurance www.sportsfitness.com says about this:
"We offer a general liability policy that includes coverage for Professional Liability and Sexual Abuse and Molestation, so the coverage is much broader than a simple general liability policy. This is a specialized policy developed for yoga and fitness professionals.
Our insurance program is not for specific yoga certifications, but for yoga teachers in general. We may ask for certifications on our applications, but that is simply a tool for us to track where the business is coming from. In the event of a claim, I cannot envision a scenario where we would deny a claim based on certification, or lack thereof. Our policy has NO exclusionary language related to certifications."
You may want to check the exact requirements of your chosen insurance. Call them. In case there is ever a claim the last thing you want is to find out that your insurance is invalid.
2. Where can you get insured?
It can be expensive and beyond your budget if you want to volunteer and offer free classes in your community. At the end of the day you are the one liable so the decision is up to you. Always give ample of consideration to safe practice if you choose to go without!
In the USA most facilities will require you to have insurance if you want can use their premises (they may forget to ask, but if they do it doesn't mean that they don't need it). In other cases you will be covered under an existing plan. Ask.
The cost of public liability insurance in the USA varies between $125 and $300 per year. Laughter Yoga is covered under the broad categories of personal trainers and Yoga teachers.
Here are options you may want to investigate, from cheaper to more expensive (the more you pay, the more you get).
UK and Ireland
Please comment below if you know more providers, in these or other countries!