Health & Wellness Business Insurance

Health & Wellness Business Insurance

All health and wellness professionals should have the right insurance coverage, no matter how big or small your business is.

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Zensurance - Health and Wellness Practitioner

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Insurance for health and wellness business

Health and wellness businesses help us all to improve our well-being in one way or another. From yoga studios to psychology clinics to massage therapy, it’s likely that most Canadians have utilized a service that has helped them improve their physical or mental health.

While many of these businesses are gentle by nature, unfortunately, it doesn’t make them risk-free. Clients rely on the professional advice that is provided – should you make an error, you could be held liable, and this can be a costly mistake to make.

Health and wellness insurance is crucial to keep your business safe from expensive professional liability claims.

Health and wellness insurance protects wellness professionals from alleged negligence or malpractice lawsuits. Insurance also provides coverage for common risks such as a general liability claim or property damage to your location.

Health and wellness insurance covers expenses that occur when something unexpected or accidental happens, such as a third-party injury on your premises or damage to your business assets. Here are the coverages that contribute to your policy:

  • Commercial General Liability (CGL) Insurance: CGL provides financial coverage against common liability risks that can happen in any business setting, such as a slip-and-fall accident. For example, say your yoga studio was recently refurbished, and the new flooring was more slippery than the last. If a client was to fall over, you could be liable for a potential injury. In this case, CGL insurance could cover medical costs.
  • Professional Liability Insurance: This policy is very important for any wellness professional that offers professional advice that’s relied on by a client. Also known as malpractice insurance, it provides protection against claims of negligence, errors, omissions, and failure to deliver a service as promised. Say you’re a dietitian helping a client lose weight – after strictly following your plan for months, they’ve gained weight. In this case, your insurance may cover the legal costs and settlement fees.
  • Commercial Property Insurance: This policy protects your location (whether you rent or own) and your business-related equipment against risks such as fire, theft, and vandalism. Suppose you rent an office for your chiropractic business, and your clinic is broken into overnight. This policy could provide financial protection to replace or repair any property that was damaged or stolen during the break-in.
  • Cyber Liability Insurance: This policy covers the costs of losses that involve technology, such as the hacking of your client data. If you host virtual wellness services or you store the private health information of clients, this is particularly important coverage to have. Say client financial data are suddenly missing from your computer due to a cyber breach, this policy could cover the costs of notifying clients and credit monitoring.
  • Event Liability Insurance: Whether exhibiting at or hosting a wellness expo, festival, conference or symposium, your health and wellness practice needs temporary special event liability insurance to cover claims of bodily injuries or property damages to third parties. For example, a yoga instructor may host or organize a multi-day event with yoga classes and workshops at a venue or location outside of your commercial premises. If one of your clients suffers an injury at your event, you may be liable for their medical expenses. Event liability insurance is designed to cover those costs.

The cost depends on many factors, however, for a small- to medium-sized, low-risk health and wellness business, you can anticipate spending $450 per year on a basic CGL policy with a $2M limit.

When you fill out an online application with Zensurance, you’ll be asked some simple questions about your business to better understand your needs. To give you an idea, here are some considerations that help to determine your quote:

  • Years of experience
  • Services offered
  • Annual and projected gross revenue
  • Number of employees
  • Previous insurance claims
  • Training and education

If you offer health and wellness services, it is important to protect yourself with a health and wellness business insurance package. We’ve listed out some of the professional services we already insure under this policy.

Some of our clients include:

Getting insured is quick and easy!

Complete our 5-minute online application for a free health and wellness business insurance quote.

Common claims scenarios

Trainer helping client stretch

Problem: You’re assisting a client in regaining their strength after a sports injury. You ask the client to perform an advanced stretch, and they seriously aggravate the injury. They sue you for failing to offer adequate and safe movements.

Outcome: Your professional liability insurance policy could cover the $30,000 cost to settle the lawsuit and pay for medical bills.

Recovery exercise on massage table

Problem: One of your clients slips off your massage table, seriously injuring their hip and back. The client claims that the equipment was not level and sues you for their injuries.

Outcome: Your commercial general liability insurance policy could cover the $35,000 lawsuit against your business.

Broken window

Problem: Someone smashes the front window of your psychology clinic. Thankfully, nothing was taken from your premises.

Outcome: Your commercial property insurance policy could cover the $5,000 cost to replace the broken front window.

Frequently asked questions

Does Home Insurance cover instructors who conducts health and fitness lessons at their home?

No, if you conduct fitness lessons or treatment sessions at your home, your home insurance will not cover any damages resulting from your commercial activities. 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?

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 legal claims are more common in the health and wellness industry than in most service-based industries.

Are fitness instructors covered by the insurance policy of the gym or studio?

Your insurance policy 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.

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You have dedicated your career to helping people be healthier and happy versions of themselves. You deserve a broker that can help you be happy with your insurance policy.

With Zensurance, you can buy commercial insurance online. No phone calls needed. We’ve made it as easy as possible – it only takes 5 minutes, and we only use simple, understandable language.