As so many yoga teachers are beginning to teach online in the wake of the Coronavirus Pandemic, more and more teachers are asking me whether or not their yoga insurance covers them while teaching online.
In an interview with my yoga insurance company, BeYogi, I asked this very question…and have an answer for you!
According to BeYogi, you are covered teaching online as long as you are teaching LIVE. This means that your pre-recorded videos are not covered.
BUT, my friends at BeYogi also said that it is very hard to prove liability because you are not personally instructing them when a video is pre-recorded.
So take a deep breath and read on to learn ways you can protect yourself in addition to purchasing yoga insurance.
1. Use Waivers
Waivers are a great way to not only give yourself some added protection but also a good place to site refund policies in addition to learning about your students and building your mailing list. There are many sites that provide liability waivers specific to the Country and State you are teaching in. You can offer waivers to your students in person or online.
2. Use Disclaimers
Many YouTubers include disclaimers either at the beginning of their video or at the bottom of the youtube description.
My friend Kassandra, for example, puts the disclaimer at the beginning of her YouTube videos:
This totally works and legally covers you. I’m not a HUGE fan of this method since it cuts into the video and can impact overall watch time, which is an important metric for being successful with a YouTube channel.
Instead, I like to put my disclaimer in the description box:
3. Set an S Corp or LLC
Set yourself up as either an S Corp or LLC so in the event you were sued, your company is sued and not you personally.
When you register for insurance BeYogi advises that first register yourself, covering you as an individual and then add your company. This action would segregate the insurance and prevent someone from going after both you personally and your company.
If you don’t have a company yet but plan to create one, adding your company to your insurance policy is as simple as picking up the phone and calling your agent.
Yoga insurance is important to have regardless of whether you are teaching in person or online and all Insurance companies do not offer the same coverage, so before buying, be certain you understand exactly what is covered.