Yoga Studio Insurance Coverage Checklist
The coverages a yoga studio business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for yoga studios. Priorities reflect typical exposure; confirm against heated, aerial, and retreat programs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General & Professional Liability | Covers member injuries on premises and claims over instruction — many fitness policies combine both. | Core | |
| Abuse & Molestation | Covers misconduct allegations — often excluded from GL. | Prevalent | |
| Commercial Property & Business Income | Covers equipment, build-out, and lost income. | Core | |
| Special Event / Travel Coverage | Covers retreats held off site or abroad. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is abuse and molestation coverage. Hands-on adjustments can lead to misconduct allegations, which many general liability policies exclude — and yoga has seen major lawsuits against prominent teachers. Studios should confirm A&M coverage, ask consent before every adjustment, background-check instructors, and cap room temperature in heated classes.
Send us the checklist and we'll review your yoga studio coverage line by line, then market it across multiple carriers that compete for your account.
Related: Yoga Studio Insurance · Yoga Studio Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a yoga studio business need?
The core coverages for a yoga studio business are General & Professional Liability, Commercial Property & Business Income. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my yoga studio coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.