Best Yoga Teacher Insurance - Europe

Do yoga teachers need insurance in Europe?

Yes. Whether you teach in a studio, run retreats, or teach online, insurance protects you if a student is injured or claims your teaching caused them harm — and many venues, studios, and platforms won't let you teach without it. There are two types you'll almost always want: public liability, which covers you if a student is hurt during a class (a fall, an injury on your equipment), and professional indemnity, which covers claims that your advice, cues, or hands-on adjustments led to an injury. If you teach virtually, make sure your policy also includes worldwide online classes since many older policies don't. Cover has to be arranged in your country of residence, so below we've listed our preferred EU-wide partner alongside trusted providers in individual countries.

What does yoga teacher insurance cover?

A good yoga teacher insurance policy is built around a few core protections. Exactly what's included varies by provider and country, but here's what to look for:

• Public liability — covers you if a student (or member of the public) is injured or their property is damaged during your class. This is the essential cover most studios and venues require.
• Professional indemnity — protects you against claims that your instruction, sequencing, or hands-on adjustments caused a student harm.
• Product liability — covers you if props or products you sell or supply (mats, blocks, oils) cause injury or a reaction.
• Online & virtual classes — covers you when you teach over Zoom or any streaming platform. Confirm this is explicitly included, as many standard policies still assume in-person only.
• Retreats & workshops — covers larger events, both at home and abroad; check whether international retreats need to be declared.
• Worldwide vs. EU-only cover — some policies cover teaching only within your country or the EU, while others extend worldwide. If you travel to teach, choose accordingly.

When comparing quotes, check the level of cover (the maximum payout), whether online teaching is included, and the geographic limits — these three points are where policies differ most.

Our preferred partner: Exali. Get 10% off year one!

With Exali you can get an insurance that covers your online classes and also covers your in-person and retreats within Europe. Price starts at €229 per year with a discount of 10% year one if you use the voucher in the image below. Here is how to get insured:

• Go to www.exali.com.
• Select Yoga Teacher and enter the required details (country, annual turnover, desired sum insured, etc.). The premium will be displayed instantly.
• In the second step of the application process, there is a field where the promotion code can be entered. Simply enter the voucher in the image below there, and the 10% discount on the first year's premium will be applied automatically.
• Continue the online application and complete the insurance directly.

If you have questions during the application process or if you are unsure which option to choose, the Exali team is always happy to help.

Exali can provide an insurance for yoga teachers for all EU countries plus Switzerland: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland. (If you click one of our links and take out a policy, we may earn a small commission at no extra cost to you.)

If you are looking for a UK insurance, refer to our page:  UK yoga teacher insurance. 

Yoga teacher insurance - France

Some of our teacher based in France use Hiscox, you can follow this link to get a quote. Other reputable providers are Maaf, or Axa. 

Yoga teacher insurance - Germany

Some of our teachers based in Germany are using Ergo, Markel, or Exali.