Health & Wellness Business Insurance2019-09-04T10:02:04-04:00

Health & Wellness Business Insurance

Health & Wellness Business Insurance is a must for Canadian wellness professionals who provide treatments to individuals.

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

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Consultant 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 Consultant Insurance cover?

What does Health & Wellness 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
What is the cost of Consultant Insurance?

Who needs Health & Wellness 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 Consultant Insurance?

What is the cost of Health & Wellness Business 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 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.

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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.
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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.

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