Find the best fitness instructor liability insurance rates

KBD provides personal trainer business insurance to gyms and other fitness professionals located within the provinces of Quebec & Ontario.

We offer liability insurance for yoga studios, personal trainers and more.

Comparing rates from Canada’s leading fitness liability insurance companies
Fitness liability insurance coverage we provide
General liability

Protection for personal trainers and yoga instructors deemed liable for causing injury to a client.

Equipment

Coverage for your company’s assets that protect them against fire, theft, water damage and more.

Professional liability

Online classes have become the norm, but not all insurance companies provide this type of coverage; KBD does!

Speak with the same expert every time you call

Your own dedicated representative.

If you are looking for peace of mind and to save time – you need someone who knows how to handle your affairs. KBD provides each customer with the same dedicated commercial insurance expert to handle all your insurance needs.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a fitness trainer liability insurance quote today

Personal training insurance FAQs

What is yoga and personal trainer liability insurance?

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.

Do yoga & fitness trainers require professional liability insurance?

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.

Is liability included in yoga studio business insurance?

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

How do I get insurance for my personal training business in Canada?

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.

How much does personal trainer & yoga instructor insurance in Canada cost?

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.

What is the best yoga business insurance in Canada?

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.

How can I lower my fitness instructor insurance cost in Canada?

  • 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.

What's the easiest way to get a personal training business insurance quote?

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.

What is yoga and personal trainer liability insurance?

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.

How much does personal trainer & yoga instructor insurance in Canada cost?

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.

Do yoga & fitness trainers require professional liability insurance?

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.

What is the best yoga business insurance in Canada?

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.

Is liability included in yoga studio business insurance?

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

How can I lower my fitness instructor insurance cost in Canada?

  • 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.

How do I get insurance for my personal training business in Canada?

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.

What's the easiest way to get a personal training business insurance quote?

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.