Insurance Coverage for Yoga Teachers

Now that I've started teaching again, I need to renew my insurance coverage. In the past, I was using Lockton/AYIO, and it ran $100/yr for teaching in Wisconsin, USA. A price quote for NY (which has higher insurance rates in general) is $130/yr. I don't anticipate needing to use it, but you have to have that safety net.

These prices seem pretty reasonable to me, however, seeing as I have this wonderful internet resource, I figured I might as well (as I often do) send out a query to the wide world of wireless. Who is your insurance provider? Do you like them? I'm not necessarily looking for a place with excellent customer service, low deductibles, etc. It's more in the $150/yr and under department.

There's also the whole discussion about why this insurance even needs to be in place. Who sues their yoga instructor? I mean, even for a teacher that might place the students in "dangerous postures" (shoulder-stand, headstand, plow, and many other common asana), they can never force you into them. And, if they try, it's your place to tell them to back away from the human vehicle. Strong opinions on these matters, folks. Don't sue your yoga teacher. 

Insurance Coverage for Yoga Teachers

For a sequence to go with a topic as un-sexy as insurance, here's one that focuses on balancing. That way, if you fall on your ass, at least someone is covered.

  1. Samasthiti (Even Standing Pose)
  2. Vrksasana (Tree Pose). Repeat other side.
  3. Natarajasna (Dancer's Pose). Repeat other side.
  4. Utthita Hasta Padangusthasana (Standing Big Toe Pose). Bring leg out to the side, bring head and gaze in opposite direction
  5. Repeat other side
  6. Vinyasa to Plank
  7. Take 10 seconds to fully lower torso to floor
  8. Inhale, take 10 seconds to raise torso back to Plank Pose
  9. Adho Mukha Svanasana (Downward Facing Dog Pose). Lift one leg and circle knee to loosen hips and lower back.
  10. Repeat other leg
  11. Vinyasa to Plank
  12. Vasistasana (Side Plank Pose). If you can, bring top leg into Tree.
  13. Vinyasa to Plank
  14. Repeat step 12 on other side
  15. Vinyasa to Seated
  16. Janu Sirsasna (Head to Knee Pose).Think of the similarities between this pose and Tree, especially in the positioning of the feet.
  17. Parivrtta Janu Sirsasana (Revolved Head to Knee Pose)
  18. Upavistha Konasana (Seated Wide Angle Stretch Pose)
  19. Repeat steps 16 through 18 on other side
  20. Wide-legged Halasana (Plow Pose)
  21. Sarvangasana (Shoulder Stand Pose)
  22. In a very well supported shoulder stand, bring the legs into tree pose. Repeat other side
  23. Setu Bandhasana (Bridge Pose)
  24. Curl torso into ball, head towards knees, for counterpose.
  25. Repeat steps 23 and 24 twice more
  26. Supta Matsyendrasana (Reclined Twist). Repeat other side
  27. Savansana

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