Fitness Liability Insurance2019-08-13T05:55:55-04:00

Fitness Insurance

Having Fitness Insurance for your fitness business is a must for Canadian professionals who provide fitness services for individuals.

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

Join thousands of Canadian businesses that are already protected!

Insurance for Fitness Business

What is Insurance for Fitness Business?

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

An Insurance for your Fitness Business should be an important consideration for any practitioner or studio.

What Does Insurance for a Fitness Business Cover?

This insurance covers most types of fitness professionals and gym owners. 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 Gym Supplements

Who needs Sports and Fitness Insurance for Fitness Businesses?

If you are a fitness services practitioner or if you run a gym, dance studio, or training studio, you should consider fitness insurance.

Some specific practitioners and businesses we cover are:

What is the Cost of Fitness 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 fitness business insurance quote right here.

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If fitness business insurance is what you need,
request a free quote now >

Common scenarios where Fitness Insurance is useful:

Fitness Insurance Canada Scenario
After personal training lessons to enhance fitness, the client files a claim against her personal trainer, accusing him of sexual abuse.
Fitness Insurance Ontario
During a strength training session, the client insists that he can perform one more repetition of bench press despite his trainer’s warning, and ends up injuring his wrist.
Fitness Insurance Toronto
A kettlebell handle snaps while a client is using it in a studio, injuring the client severely. The client then sues the training studio for carrying unsafe equipment.

Frequently Asked Questions about
Fitness Insurance

What kind of claims do fitness professionals experience?2019-06-03T14:07:34-04:00

Most fitness claims involve tripping over equipment. Another common cause is clients pushing themselves past their limit, believing they can do one more bench press or try new exercises without proper training after watching Youtube and Instagram videos. If you have come across these problems while working with fitness clients, you can quickly find yourself needing a fitness insurance policy.

What are the common restrictions of a fitness insurance policy?2019-06-04T15:20:44-04:00

The fitness industry is full of different techniques and different categories. It is important to know what types of clients you can and cannot train. Some common exclusions include professional athletes, minors and certain types of exercises that usually include aerial or aquatic components. Discuss thoroughly with your broker what your fitness insurance policy does not include.

Can someone file a fitness insurance claim against me after years?2019-06-04T15:54:48-04:00

Bodily injury to your sports and fitness clients can be troublesome even if a claim is not made immediately, because they are allowed to make claims up to two years from the reported date of injury. This means you can be faced with a lawsuit related to a fitness claim years after going out of business or changing your profession. 

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

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