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I have been offered a chance to work for a design house as a sort of in-house fitness person, teaching yoga and medtation. The owner is concerned about legalities and since I am not currently insured, I was wondering if anyone else uses waivers and how strong are they for preventing lawsuits? I have heard of them being used before, but was not sure.
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Philadelphia
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Re: Insurance. How necessary?
Mon, October 9, 2006 - 5:46 PMI'm curious to hear what others say...
but I was told that waivers don't hold up in court. Thus, the waiver is more of an opportunity to get people thinking - so you could put language in your waiver encouraging students to listen to their bodies & breath as the highest teacher, in order to prevent injury...as students, especially beginners, may be trusting your instructions more than the signals that their bodies send to them.
As for the insurance - well, it's insurance. Hope you never, ever, need to use it - but it's good to have. -
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Re: Insurance. How necessary?
Mon, October 9, 2006 - 6:43 PMyeah. I'm going to pose the same question to my former YTT classmates and see what they say, also. While most did not teach, some of them have been teaching for some time. -
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Re: Insurance. How necessary?
Tue, October 10, 2006 - 8:50 AMit's definitely something to look into. I've been taking this class, Small Business Ownership, and learning sooooo much about the business world. Also, Yoga Journal has a section for teachers and they give you info about insurance as well as articles. But it's also good to talk to other classmates who are already teaching or to your teachers too. see what they do for their classes. Good luck and I would like to hear any updates about it. -
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Re: Insurance. How necessary?
Mon, October 23, 2006 - 7:43 PMI just purchased my insurance through the yoga journal website recently. It seems that just about every studio and gym requires insurance so it just made sense to go ahead and do it. As I recall it wasn't exorbitantly expensive (less than $100 per year). -
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Re: Insurance. How necessary?
Tue, October 24, 2006 - 9:09 AMIf it's not that expensive, it sounds like a good idea. -
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Re: Insurance. How necessary?
Sun, October 29, 2006 - 8:13 AMInsurance is not expensive at all, like David said. And if you ever get sued it will really be worth it. Each of my own teachers have gotten sued. I can't say what happened, or why, but it was discussed when the issue of insurance came up in my teacher training.
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Re: Insurance. How necessary?
Mon, October 30, 2006 - 10:53 PMI haven't used insurance for years. IJust recently purchased it, and that was becaused I was forced to by a new place I was working at.
Most likely (99%) this person will not sue you. People that are rich enough to afford private lessons aren't going to sue. It's random students that can come to your class that might sue. People who know you won't sue. If that's the only reason I wouldn't bother.
I know a lot of people will disagree. It really irratated me to get insurance because it's such a waste of money.
Oh yah....here is my exception to this rule. If you own stuff. Like a house and expensive things that can be taken in a law suit. If you don't own anything, nobody is going to sue you.
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Unsu...
Re: Insurance. How necessary?
Sun, November 5, 2006 - 6:55 PMbetter safe than sorry. i need it at the base gym where i teach but don't need it at the college where i teach because i'm covered under them. but i have it anyway. got it here: www.fitnessandwellness.com/ -
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Re: Insurance. How necessary?
Mon, January 22, 2007 - 2:11 PMHere is my experience purchasing yoga insurance online from Venbrook Ins. I filled out the form with all info including credit card and it wouldl not accept it.
So the next day i signed up with "Fitness and Wellness" and all was good. Got my copy in the snail mail within a week................then checking my credit card statement the next month i noticed a charge from Venbrook, called and they said they would cancel it and credit my card, however that was 2 months ago and nothing yet.
I am hopiing i will not have any trouble with this. Maybe the lesson here is to call an talk to someone personally.
wish me luck.... -
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Re: Insurance. How necessary?
Tue, January 23, 2007 - 5:18 PMThat sucks. Hope you get your money back. A variation on the same theme has happened to me(ordering something online...turned out to be bogus...have not gotten money back). I have just started a position teaching at a gym and thankfully, don't have to buy my own right now.
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Re: Insurance. How necessary?
Wed, January 24, 2007 - 6:14 AMIm not sure of exactly your situation, but as a studio owner we definatly have insurance, but i dont see why other studios or locations would require the teacher themselves to be insured. It seems like its more for the bussinesses. If we paid for everything that was only a hundred dollars a year we would be broke. Don't fall too deep into the trap. And make sure the locations themselves have insurance. If someone gets hurt they will go after the owner of the building they are in... not the teacher.
Namaste
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Re: Insurance. How necessary?
Fri, February 9, 2007 - 5:16 AMhere is official word... passed on from a Personal Injury lawyer. Waivers do NOT hold up in court! They can have the effect of making people realizing that they are doing something potentially "risky" with their bodies. However, they are also somewhat misleading because the majority of people who sign them don't know that they are not worth anything in court so if they do get hurt, they may think to themselves "well, i can't sue... I signed over my rights on a waiver." Waivers don't feel totally aligned with the principles of Satya unless they say explicitly in not so small print that it is a warning of risk and not a waiver of rights.
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