I sub at three different studios and teach a park class. One studio owner demanded I buy a policy listing their address. I told them my beYogi policy is “portable.” Who is right?
Key Takeaways
- Portable vs. Premises: Most freelancer policies (beYogi, K&K, Insure4Sport) are Portable. They cover you wherever you teach.
- Studio Policy: A policy bought by a studio owner is usually Premises-Based. It covers the building and the staff at that building.
- Additional Insured: The studio wants to be listed so your portable policy protects them while you are there.
- Park Classes: Portability usually extends to public spaces, provided you have permits.
The “Why”: The Designated Premises Limitation
The Trap:
If you buy a “Business Owners Policy” (BOP) for a specific location, it might attach coverage only to that address.
If you buy a “Professional Liability” policy as an individual, it attaches to you (the person).
Always buy the Individual/Portable policy if you are a contractor.
The Investigation: I Quoted 3 Major Carriers
1. beYogi
- My Analysis: 100% portable. Covers you in all 50 states. You can add unlimited Additional Insureds (studios) for free via their dashboard.
2. K&K Instructor Policy
- My Analysis: Portable. Designed for the gig economy teacher.
3. Studio’s Request
- My Analysis: The studio is wrong to ask you to list their address as your primary location. They are right to ask to be an Additional Insured.
[IMAGE: Dashboard screenshot showing “Add Additional Insured” button]
Comparison Table: Portability
| Policy Type | Coverage Area | Best For… |
| Freelancer Policy | US/Canada (Anywhere) | Subs/Contractors |
| Studio Policy | Designated Address | Owners |
| Event Policy | Single Location | Festivals |
Step-by-Step Action Plan
- Buy Portable: Ensure the policy says “Territory: USA” not “123 Main St.”
- Add AI: Log in and add the studio as Additional Insured. Email them the COI.
- Verify Park Coverage: Some portable policies exclude “Open Water” or “Extreme Terrain,” but parks are usually fine.
- Keep COI on Phone: Show it to the front desk.
FAQ
Does it cover me internationally?
Usually no. Only US/Canada. See “Retreats” article.
Can I teach in my home?
Yes, usually covered.
What if I teach online?
Yes, usually covered (check for Virtual Endorsement).