Fact sheet number fifteen

Claims, Possible Claims and Incidents arising

Introduction

Yoga as an activity is deemed to be low-risk.  Even the most strenuous forms of hatha yoga are considered low-impact activities when compared to other fitness methods such as Keep Fit, Aerobics or Fitness Training.

The nature of Yoga classes can and do vary considerably from leading a small group of family or friends, teaching gentle chair-based stretches to the elderly, inspiring young children to become animals using different movements, seated meditation classes, through to intensive workshops, seminars, retreats, therapy sessions or other yoga specialities such as teacher-training.

However, notwithstanding the content of the classes, there will always be potential for a claim to be made against any teacher; especially in the event that a student should be injured during the class.  Unfortunately, this scenario has occurred many times now, even when the teachers have been both careful and fully concentrated.  This is one of the principle reasons for arranging insurance and it is why Yoga-Link came into being.

Things to watch out for

Although claims could arise unexpectedly from any posture, we tend to see more from the following: – Matsyasana, the Fish (especially coming back out), standing stretches where balance can be affected,  any postures requiring physical adjustment by the teacher that upsets the student’s equilibrium, and postures performed with a partner where body weight is transferred between the two.

Another particular issue can be an inherent weakness or pre-existing medical history not reported that becomes exacerbated by a particular posture.  The advent of drop-in classes makes this possibility more likely perhaps.

If the worst should happen

It is important that all incidents/injuries that may give rise to a claim are reported to us as soon as possible after the event.  This allows your insurers to carry out investigations straightaway while information relating to the incident remains fresh in the mind.

We would need a brief report of the incident including date and time, name of injured party, their rough age, nature of their injury, where occurring, brief circumstances of the event and all correspondence received from the injured party and/or their representatives.

In the first instance please contact Nigel Wissett-Warner or Valerie Adamek at DSC Insurance Services Tel: 01252 735806 or Email: info@dsc-strand.co.uk 

NWW – July 2009