Fitness Insurance
Insurance is a must for Canadian professionals who offer fitness services to groups and individuals.
Protect your business with Fitness Insurance.
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What is Fitness Insurance?
What Does Fitness Insurance 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 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:
- Fitness Instructors
- Zumba Teachers
- Pilates Instructors
- Matial Arts Instructors
- Yoga Instructors
What is the Cost of Fitness Insurance?
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!
If fitness insurance is what you need, request a free quote now
Common scenarios where Fitness Insurance is useful:
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: 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: 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.
Frequently Asked Questions about
Fitness Insurance
What our customers friends say about us
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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.
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.
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