Liability Insurance for Fitness Instructors
Insurance is a must for Canadian professionals who offer fitness services to groups and individuals.
Protect your business with Fitness Insurance.Â
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What does it cover?
The most common policy types for fitness professionals are:
- Commercial General Liability (CGL) Insurance provides financial coverage for common liability claims and lawsuits, such as bodily injury or property damage.
- Professional Liability Insurance, also known as Errors and Omissions Insurance, covers the financial costs associated with claims or lawsuits alleging negligence, misconduct, malpractice, or failure to deliver a service as promised.
- Product Liability Insurance is coverage for liability claims related to products you manufacture, sell, or provide to clients.
Who needs Fitness Insurance?
If you are a fitness services practitioner or studio owner, you should consider fitness insurance.
Some of our fitness clients include:
- Personal Trainers
- Dance Instructors
- Pilates Instructors
- Group Fitness Instructors
- Martial Arts Instructors
- Yoga Instructors
- Zumba Teachers
How much does it cost?
The cost of a Fitness Insurance policy will vary according to several factors, such as:
- Operation Size
- Location
- Level of Experience
- Past Insurance Claims
- Training and Education
As a fitness instructor, you can expect to pay approximately $450 for a Commercial General Liability insurance policy with a $2M limit.
Getting insured is quick and easy!
Complete our 5-minute online application form for a free insurance quote.
Common claims scenarios
Problem: A client accuses one of your trainers of sexual harassment.
Outcome: You hire a lawyer to defend your employees. Although the lawsuit is unsuccessful, you accumulate $23,000 in legal expenses. Your Professional Liability Insurance covers the total cost.
Problem:Â A client has a severe allergic reaction from supplements they bought at your studio.
Outcome: Your client successfully sues you for bodily injury. Your Product Liability Insurance covers the medical expenses and legal fees, totaling $18,000.
Problem:Â Problem: A kettlebell handle snaps while a client is using during a fitness class, resulting in a severe injury.
Outcome: The client successfully sues you. Your Commercial General Liability Insurance covers the legal expenses and medical fees, totaling $45,000.
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