Aerial Yoga is spreading across the world, as studios and gyms seek out new and fun ways to attract and keep clientele. While many fitness facilities have existing insurance coverage to protect both their business and customers, some may not realize that Aerial Yoga often requires special insurance.
Suspended activities bring additional risks to a facility. As safe as instructors may try to be, there is always the risk of a student not listening and falling on their heads. Students can collide when swinging, or twist an ankle coming out of the hammock. Serious injuries from aerial yoga are very rare, but accidents can happen and businesses must be prepared.
Check with your existing provider to see if they cover suspended fitness activities, such as TRX and Aerial Yoga. If not, you may need to look into alternate options such as the providers listed below. Insurance can get you covered for possible injury, property damage, and other risks.
Please note, this is NOT legal advice. We've compiled this information to help inform you of the available options to help protect your business.
Alternative Balance insurance policy covers Aerial Yoga teachers who use silks or hoop with attachment point height that does not exceed 10ft. They are proud to give insurance coverage to the health, beauty and wellness industry for 20 years.
Yoga Alliance has partnered with Alliant to provide coverage exclusively to members. Their policy is underwritten by Lloyd's of London, the most famous association of insurance underwriters and brokers.
K and K Insurance was established in 1952, providing coverage for the sports, leisure, entertainment and motorsports industries.
Piton Insurance Group focuses on customer service. They serve in 50 states with independent insurance agencies.
|Coverage||Alternative Balance Professional Group||Alliant||K and K Insurance||Piton Insurance Group|
|General and Professional Liability||$3M Aggregate||$5M Aggregate (Gen)
|$2M Aggregate (General)|
|Sexual Abuse Liability||$100,000 Aggregate||$50,000 Aggregate||Included||$300,000 Aggregate|
|Products-completed Operations||$2M Aggregate||$2M Aggregate||$500,000 Aggregate||$2,000,000|
|Medical Payments||$5,000||$50,000 Aggregate||$5,000 (other than participants)||$5,000|
|Damage to Premises rented to you||$300,000||$100,000||$500,000||$100,000 (fire legal liability)|
|Defense Cost Reimbursement||$500/Day||$100,000|
|Personal and Advertising Injury||Included||$500,000||$1,000,000|
|Cyber Liability||$200,000 Aggregate|
|Category||Alternative Balance Professional Group||Alliant||K and K Insurance||Piton Insurance Group|
|Per Diem||$219||A. $115
|Each Covered Employee||$97|
|Limit per Claim - Part Time||A. $1 Million
B. $2 Million
|Limit per Claim - Full Time||A. $1 Million
B. $2 Million
Getting to know the Coverages
General liability - protects you against any harm or injury caused to people or damaged property due to your daily operations.
Profession liability - coverage that protects you or your business against claims regarding your professional service that caused harm to your clients
Sexual Misconduct and Molestation Liability - this is designed to protect you from any act or threat of molestation, harassment or any form of sexual abuse
Products-completed Operations - coverage for property damaged and injuries caused by your products and completed operations (Hamill)
Medical Payments - coverage for medical expenses whoever is at fault
Damage to Premises Rented to you - for claims or suits that arise from fire damage to rented premises (Bonner)
Defense Cost Reimbursement - when the insurer agrees to provide a defense to an insured but later identified that it is not covered on his policy, the insurer is entitled to receive a defense cost.
Personal and Advertising Injury - coverage for an injury through a third party caused by advertised products and services.
Cyber Liability - insurance covers financial losses that result from data breaches and other cyber events ("What Does A Cyber Liability Policy Cover?")
*Coverage may vary depending on provider and policy selected. Consult with your provider of choice to clarify what is included and excluded and the terms for your specific policy.
Questions to Ask Your Provider
To master aerial yoga, students grow strength, endurance, and patience. It offers wonderful benefits for your body and mind. But before you make aerial yoga your new passion or business venture we suggest you familiarize your self with the best insurance that fits your needs. This is simply smart business practice to provide peace of mind to both you, and your students.
Bonner, Marianne. "If Your Landlord Sues You For Property Damage, Are You Covered?". The Balance Small Business, 2018, https://www.thebalancesmb.com/liability-coverage-for-damage-to-rented-premises-462688.
Hamill, Virginia. "Products-Completed Operations Coverage: What It Is & Who Needs It". Fit Small Business, 2019, https://fitsmallbusiness.com/products-completed-operations-coverage/.
"What Does A Cyber Liability Policy Cover?". The Balance Small Business, 2019, https://www.thebalancesmb.com/what-s-covered-under-a-cyber-liability-policy-462459.