Clinic Liability Insurance2019-08-13T05:37:40-04:00

Clinic Liability Insurance

Clinic Insurance is a must for Canadian wellness centres who provide treatments to individuals.

If a client is unsatisfied they could file a lawsuit alleging malpractice or negligence.

Join thousands of Canadian clinics that are already protected!

Clinic Liability Insurance

What is Health & Wellness Business Insurance?

As a health & wellness services provider you interact with clients on a physical level and you apply and sell products that may have adverse consequences. Thanks to your services you help clients look and feel their best, but you’re also exposed to liability in case of real or alleged errors, malpractice or injury.

Health & Wellness Business Insurance should be an important consideration for any practitioner, studio or clinic.

What Does H&W Business Insurance Cover?

This insurance covers most types of wellness professionals. When getting a policy check that you have coverage for:

  • Professional Liability (Negligence or errors)
  • Unintentional Breach of Confidentiality
  • Claims of Sexual Harassment or Abuse
  • Products Liability including Beauty Products

Who needs H&W Business Insurance?

If you are a beauty services practitioner or if you run a salon, spa or wellness clinic, you should consider beauty insurance.

Some specific practitioners we cover are:

  • Acupuncturist
  • Kinesiologists
  • Massage therapists (RMT)
  • Yoga Instructors
  • Many more…

What is the Cost of H&W Insurance?

The cost of a policy varies according to factors such as:

  • Operation size
  • Location
  • Experience in the field
  • Past insurance claims
  • Training and education

Get a free h&w business insurance quote right here.

Getting insured
is quick and easy!

If health and wellness business insurance is what you need,
request a free quote now >

Common scenarios where Health and Wellness Business Insurance is useful:

Commercial Insurance Canada Scenario

Needles used in an acupuncture were not sterile, and as a result the client falls sick and is hospitalized. Once the cause is discovered after an investigation, the client files a lawsuit against the acupuncturist.

Commercial Insurance for Contractors
A patient has a severe asthmatic attack after a homeopathic treatment session. The patient then files a lawsuit against the homeopath claiming that he administered a low dose of arsenic that triggered the attack.
Commercial Insurance for Restaurants
A nurse retained for post-operative in-home care is accused of failing to provide proper care, as the patient develops ulcers under her care and is unable to return to work or his regular day to day activities.

Frequently Asked Questions about
Health and Wellness Business Insurance

Does Home Insurance cover instructors who conducts health and fitness lessons at their home?2019-06-10T11:17:27-04:00

No, if you conduct fitness lessons or treatment sessions at your home, any damages resulting from your commercial activities will not be covered by your Home Insurance. It is highly recommended that you purchase General Liability Insurance at the least to cover the most common risks in your profession, which are damages to a third-party (mostly your clients). If you want to protect your own property from damages, talk to your broker about adding Commercial Property Insurance to your policy.

Do Health and Wellness practitioners need Malpractice Insurance or Professional Liability Insurance?2019-06-07T17:10:32-04:00

Malpractice Insurance is a type of Professional Liability Insurance that applies to health practitioners. Due to the nature of your work, your treatment or advice to a client may lead to bodily injuries, in which case, the client will usually file a malpractice lawsuit against you, accusing you of negligence in your professional service. Malpractice related lawsuits are more common in the health and wellness industry than most other service-based industries.

Are fitness instructors covered by the Health and Wellness Insurance policy of the gym or studio that they are conducting sessions in?2019-06-10T15:40:39-04:00

Health and Wellness Insurance provides coverage for employees of a business, but independent instructors who are simply renting space are not covered by the facility’s insurance policy. If you are an independent instructor, you may consider purchasing General Liability Insurance to protect yourself from being held liable for injuries or property damage that may happen during your lessons.

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

Aviva Commercial Insurance Canada
CHUBB Small Business Insurance Canada
Beazley Commercial Insurance Canada
Portage Mutual Insurance Canada
Lloyds of London Insurance
Trinity Underwriting Business Insurance Canada
Liberty Mutual Liability Insurance Canada
Travelers Business Insurance Canada
Business Insurance Zen Man

Ready To Start? Let’s Get a Quote!

Getting an insurance quote shouldn’t be complicated!

At Zensurance we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.