Yoga Australia recommends the following minimum yoga teaching insurance cover for members:
There are other important considerations, such as cover for student and locum teachers and cover for multiple modalities and coverage overseas.
We recommend you obtain professional advice and carefully consider which insurance policy and company best meets your needs.
An insurance solution exclusively for Yoga Australia paid members
The Yoga Australia National Management Committee has undertaken a stringent review of the insurance market on behalf of members to secure insurance that is competitively priced, provides the broadest coverage and is easy to purchase online.
GSA Insurance Brokers, in collaboration with ProRisk, are delighted to be partnering with Yoga Australia to provide you, the members, an exclusive insurance solution to protect you and your business.
Professional Indemnity and Public / Products Liability
Yoga Australia’s insurance solution provides a combined Professional Indemnity (Malpractice) and Public / Products Liability policy, specifically tailored to provide Yoga Australia members with the following benefits:-
Portable Business Equipment
The impact of having portable business equipment stolen could be financially devastating. Yoga Australia’s insurance solution provides members with an option to insure your portable business equipment for the following perils:-
Portable business equipment can include Yoga props, mats and massage tables, Electronic equipment – tablets, iPod, portable speakers, Business items – smartphones
To view the PI and PPL policy wording – (click here)
To view the General Property policy wording – (click here)
To view the FAQ click here
For more information about our policy and/or claims inquiries, please email or call:
Phone: 02 8274 8199 dedicated phone line for Yoga Australia enquiries
Email: [email protected]
1 Free legal advice
Must relate to a policy coverage issue
2 Employee Fidelity Cover
Protects the insured against financial loss resulting from fraudulent or dishonest acts by employees.
This can include theft or funds or property.
3 Statuory Liability
Protects the Insured for claims brought against the insured by an Official Body e.g. NSW Health Care Complaints Commission (HCCC) & Australian Health Practitioner Regulation Agency (AHPRA) following the actual or alleged breach of any Act of any parliament or legislative body in relation to the provision of healthcare services.
3Run-off Cover
Run-off cover protects professionals against potential claims after they have stopped practicing. It provides cover for potential incidents which have happened but have not yet been reported to you.
Run-off cover will only be activated if you have retired from practice and notified GSA, prior to the policy expiring. If you continue to see clients in any capacity after expiry then the run-off cover is voided.
4 Variable limits
Yoga Australia recommends a minimum of $5m PI and $20m Public Liability
Updated May 4, 2022
How do I purchase a policy through GSA?
It’s simple, visit www.gsaib.com.au/yoga and follow the links for Yoga Australia, from start to finish the process takes less than 5 minutes.
How quickly can I get my Policy Documents?
When purchasing the policy online, your documents are issued immediately after a successful credit card payment.
Will GSA notify Yoga Australia and the Health Funds?
No, your documents will be emailed to you. Please forward your Certificate of Currency to Yoga Australia.
What happens with my past exposures if I move to GSA?
The GSA policy provides an unlimited retroactive date, this means past work in relation to the currently listed Professional Services is covered.
What happens if I didn’t notify a potential claim to my previous Insurer and I move to GSA?
It is imperative that all circumstances that may give rise to a claim are formally notified to GSA as and when you first become aware of the incident to ensure that the Insurer can consider providing indemnity.
However, in the event that you fail to notify a Known Circumstance* before moving to GSA the policy includes an extended continuous cover clause, which may provide cover in the event that you fail to notify a Known Circumstance given the terms and conditions of this clause are met.
*Please refer to the policy wording for more information
Does my policy cover me for multiple locations?
Yes, the policy provides cover for the provision of the listed professional services within Australia and New Zealand.
Does the policy cover me when I attend Trade Fairs, Shows, Markets etc?
Yes, the policy provides cover for the provision of the listed professional services Australia wide.
I need to have glass cover and A frame sign cover for my Lease, is this included?
The GSA policy includes plate glass cover (not full glass cover) and coverage for A frames signs on council property.
I need to note an Interested Party, can the policy include this?
Yes, we can include Interested Parties for Lease requirements.
Are my employees covered by the policy?
Yes, employees are automatically covered when undertaking the covered professional services for or on behalf of the Insured, they do not need to be named on the policy.
Can I add modalities to my policy?
Yes, these can be added at any time throughout the policy period FREE of charge by emailing GSA on [email protected]
If I need to speak with someone who do I call?
You can ring GSA on 02 8274 8199 and one of our friendly staff will be able to assist you with any questions you may have.
I’m a basic member/subscriber, can I access this policy?
No, this policy coverage is only available to Provisional,
and Full Registered Teaching Members of Yoga Australia.
Can I make changes to the policy mid-way through?
Yes – Simply email GSA on [email protected]
Do I need to notify GSA if I change my studio address?
No, your policy will cover you to work Australia wide. It is not a requirement of the policy that location details are listed, even if you are working at multiple locations.
Do I need to notify GSA if my contact details have changed?
Yes, all correspondence from GSA is sent via email. Any changes to your details can be updated by emailing [email protected] with your new contact details.
How do I obtain a quote?
You can obtain a quote and/or take out the policy through the GSA website: www.gsaib.com.au/yoga
How can I renew my existing policy with GSA?
GSA will provide renewal notification emails one month prior to your policy’s expiry date. Please add [email protected] as a safe sender in your email contacts to ensure these emails are received.
Will the policy cover me to practice online?
Yes, the policy provides cover for the provision of the listed professional services online subject to policy terms and conditions. This includes both pre-recorded and live classes.
For full details of the cover provided and the conditions that apply, please refer to the policy wording available at https://www.gsaib.com.au/yoga-australia-policy-wording%20(2).pdf
Updated September 8, 2022