Personal training liability insurance in Canada

Liability insurance for personal trainers and yoga instructors includes protection in the event that you cause bodily harm to a client. There are two types of liability insurance you need if you work in this industry:

• Professional Liability – If one of your clients injures themselves during a workout you supervise, you could be deemed liable and forced to pay for the health costs. Example: You’re a personal trainer and your client does one too many bicep curls, which tears the muscle. The client sues you. A claim like this would be covered by a personal trainer professional liability insurance policy.
• Commercial General Liability – CGL insurance protects you in the event that you’ve caused property damage to someone else’s stuff. Example: You lease your gym space, and cause a fire that damages the landlord’s building. As the tenant, you would be responsible for the damages.

There is certainly a grey area when it comes to liability insurance for personal trainers and yoga instructors, which is why we suggest purchasing professional and general liability if you work in the fitness industry.

It’s not required by law, but is highly recommended. Professional liability insurance for fitness & yoga instructors will protect you in the event your services or programs cause injury to one of your clients.

Yes! Liability insurance for yoga studios is the most important coverage you need if you rent out a yoga studio.

Complete an online personal trainer insurance quote.

Call a broker or an insurance company directly and complete a quote over the phone or in person.

As with all other insurance products, there is no fixed price for yoga & fitness business insurance. It depends on your annual sales, what type of services you conduct and how many clients you work with. Most fitness liability insurance policies cost between $500-$1,500 per year.

There are several insurance companies that provide insurance for this industry. KBD has a great program with Lloyd’s that is specifically built to cover individuals and businesses who work as fitness professionals. The policy covers your property and liability.

• Avoid making small claims.
• Shop your insurance every few years.
• Have your customers sign waivers.
• Increase your deductible.
• Keep your studio clean and without objects lying around that could cause a client to trip and injure themselves.

The easiest way to get a quote is online. It’s free and will give you a great idea of how much you should be paying annually. If you’re already insured, completing an online form will take 5 minutes and determine whether you can save money in comparison to what you are currently paying.