The Best Coverage for Personal Trainers in Ontario
Being a personal trainer means pushing clients to their limits. Working so closely and intensely with your clients comes with a considerable amount of liability risks, so whether you provide instruction online or in person it is essential that you get the kind of coverage necessary to limit your exposure to potential lawsuits and judgements. We offer a full spectrum of policies needed to cover your career in health & fitness:
Coverage available for:
- Exercise Instructor
- Zumba Instructor
- Dance instructor
- Yoga Instructor
- Fitness Studio Owner
- Martial Arts Instructor
- Aquatic Fitness instructor
- Nutrition Specialist
The Personal Trainer Policy Package
As you push your clients towards higher levels of excellence in personal fitness, you could be exposed to a variety of lawsuits and claims brought on by any number of injuries and accidents that can happen when training hard. However well-meaning the intensity of your sessions, mistakes can be made. That’s why it important to make sure you are suitably covered.
General Liability Insurance
Essential protection for potential lawsuits arising from bodily injury or property damage sustained by a client or a host…
- Injury to a client on your or their premises such as slipping on a wet floor, a frayed carpet or loose cables resulting in broken arms or legs
- Damage to property caused by accidents
- Lawsuits arising from copyright infractions, such as any music used in your sessions
Professional Liability Insurance
Sometimes referred to as Errors and Omissions (E&O), this is important protection against being found legally responsible for accidents or oversights that result in damages to your client (proven or otherwise).
- Mistakes made in planning a client’s training regimen, such as an overly strenuous routine that results in injury
- Information you inadvertently neglect to convey regarding such things as diet and supplements
Common sense protection for your office, studio and equipment.
- Theft, fire and water damage to your business assets, including computers, furniture, decor and documents
- Property damage or theft involving any training equipment
- Sudden, accidental breakdown of equipment caused by staff errors, general misuse, power surges and short circuits
If your business relies on a website or other systems to attract and manage clients, it may be vulnerable to cyber attack. Adding cyber coverage to your policy is a wise decision, protecting you against privacy breaches or other cyber crime that interrupts your business operations leading to loss of income, expensive fixes or ransomware demands.
- Cyber crimes such as phishing attacks, ransomware, funds transfer and other malware
- Data breaches that expose private client information such as passwords and credit card information