FITNESS PROFESSIONALS' INSURANCE

HUB International HKMB and HUB International TOS are pleased to offer an insurance program that provides coverage for:

  • Personal Trainers
  • Fitness Instructor Specialists
  • Group/ Class Fitness Instructors
  • Yoga Instructors
  • Pilates Instructors
  • Sport Conditioning Specialists
  • Wellness and Nutrition Specialists
  • Aquatic Fitness Trainers
  • Pre and Post Natal Fitness Specialists
  • Squash Instructors
  • Tennis Instructors
  • Barre Instructors

To be eligible for coverage Fitness Professionals must be certified by one of our approved certifying bodies.

If you conduct Zumba classes you must purchase Dance Instructors Insurance  unless you are certified through our eligible certifying bodies to instruct Zumba.

Buyer Eligibility

Fitness Professional eligibility requirements:

  1. Over 18 years of age
  2. Canadian Resident
  3. MUST be:

Class 2

  • Certified with  ACE, ACSM, Annamalai University Canada (Yoga Only), Baby & Me Fitness, Barre-none, Body Harmonics, CANFITPRO, CALA, CCAA, CFES, CPTN, Downward Dog Yoga Centre (Modules 1 & 2), Exhale Pilates, Fletcher Pilates, Helene Roy Pilates, IDEA, International Society of Yoga Education (ISYE), International Sports Sciences Association (ISSA), Maureen Rae's 8-Week Internship Program, Maureen Rae's RYT, National Academy of Sports Medicine, OASES, Ontario Fitness Council (OFC), Ontario Yoga Association, Peakes Pilates, Pilates Method Alliance (PMA), PTA Global, The Pilates Process, Sattva Yoga Shala and United Yoga Montreal, Second Wind Pilates Plus, Squash Canada, STOTT PILATE, Tennis Canada, Urban Poling Level 1, YMCA/ YWCA, Yoga Alliance or Yoga Association of Alberta (YAA), YogaFit Canada, Yoga Source & Therapy Studio (Yoga Only)

Class 1 

OR

  • A Provincially Registered Personal Trainer certified by one of the following National Fitness Leadership Alliance (NFLA) provincial members: BCRPA, AFLCA, Saskatchewan Parks and Recreation Association (SPRA), MFC, MFLDA, OFC, FNB, NFLAC, NSFA, IFC.

Coverage

  1. Individual policies are effective as of the date of purchase and extend for 12 months;
  2. Coverage applies only to Canada; 
  3. Coverage is NOT available for instruction of:
     
    • professional athletes;
    • carded amateur athletes or;
    • activities for which you are not certified by one of our approved certifying bodies.
  4. If you conduct Zumba classes you must purchase Dance Instructors Insurance unless you are certified through our eligible certifying bodies to instruct Zumba.
  5. Coverage does not extend to work related rehabilitation of any condition;
  6. Coverage is not extended to tanning beds;
  7. You are required to confirm that:  

    • All trainees under your instruction complete a ParQ or ParQ+ Questionnaire once per year;
    • All trainees under your instruction required to consult with a physician upon completing a ParQ or ParQ+ must provide you with authorization in writing from the physician confirming it is acceptable for the trainee to participate in the proposed activity;
    • When biking, all trainees under your instruction wear helmets and, if biking between dusk and dawn, wear reflective clothing, have their bicycle equipped with lights and have the lights turned on.
  8. This coverage does not extend to studios/facilities the applicant owns, leases or rents on a long term basis. Should you require premises related coverage, please contact one of our advisors.
  9. Coverage does not extend to abuse related claim scenarios. Click here to view the exclusion.
  10. Coverage under this program is afforded to the individual only, not employees, for the activity declared in the application only.
  11. Should you require coverage for other business not declared in the application, please contact one of our insurance advisors.
  12. Please carefully review the summary of exclusions below and the policy wording received at the time of purchase. Should you have any questions related to coverage structure or require an explanation of the coverage provided on this policy, please contact one of our insurance advisors.

The policy purchased through this program is for LIABILITY coverage ONLY i.e., it protects the insured when negligent acts and/or omissions result in bodily injury and/or property damage to a third party. The policy DOES NOT provide coverage for an injury to the insured themselves or for property/equipment owned by the insured. For more information about, or to purchase, these types of coverage contact one of our advisors.

Coverage Summary 

$2,000,000
$0 BI/PD Deductible

Commercial General Liability

Covers third party bodily injury (BI) and property damage (PD)

Includes:

Injury to Participants (no Professional Liability Exclusion for bodily injury losses only)
Personal Injury - $2,000,000
Advertising Injury - $2,000,000
Tenants Legal Liability - $250,000
Products/Completed Operations
Employer's Liability
Cross Liability/Severability of Insured's
Incidental Medical Malpractice
Occurrence Property Damage
Blanket Contractual
Broad Form Property Damage
Owners and Contractors Protective
Medical Payments - $2,500 per person

Excludes:

Abuse Exclusion
Tanning / Toning Beds
Infrared Sauna
Hot / Bikram Yoga

Total Asbestos Exclusion
Data Exclusion
Terrorism Exclusion
Limited Fungi and Fungal Derivatives Coverage

The Insurer for this Program:

This program is written by Certain Lloyd's Underwriters through Allsport Insurance Marketing Ltd. Allsport Insurance focuses exclusively on risks found in the sports, leisure and entertainment industries. For more information about Allsport Insurance visit their website at www.allsportinsurance.com  

Cost

  • This insurance can be purchased at any time between January 1, 2014 and January 1, 2015. Coverage commences on the day the insurance is purchased and extends for 365 days after the day of purchase. 
  • Premium under this program is fully retained upon acceptance of payment. That means the premium will not be refunded if the policy is cancelled by the insured prior to the policy expiry date.

Class 1

For Registered Personal Trainers of the following Provincial Association members of the National Fitness Leadership Alliance (NFLA):

  • BCRPA, AFLCA, Saskatchewan Parks and Recreation Association (SPRA), MFC, MFLDA, OFC, FNB, NFLAC, NSFA, IFC. 

NOTE: Basic fitness leaders already have automatic coverage through the BCRPA, MFC, FNB and NSFA.

Coverage Limit $1 Million $2 Million $5 Million
Premium $100.00 $125.00 $150.00
Administration Handling Fee $35.00 $35.00 $35.00
Total $135.00 $160.00 $185.00

(Applicable taxes not included)

For more information about Class 1 coverage contact: 

Echo Zhou, HUB International TOS

Email: echo.zhou@hubinternational.com

CLASS 2

For Certified Members of the following non-Provincial certification bodies:

  • ACE, ACSM, Annamalai University Canada (Yoga Only), Baby & Me Fitness, Barre-none, Body Harmonics, CANFITPRO, CALA, CCAA, CPTN, CFES (Canadian Fitness Education Services), Downward Dog Yoga Centre (Modules 1 & 2), Exhale Pilates, Helene Roy Pilates, IDEA, International Society of Yoga Education (ISYE), International Sports Sciences Association (ISSA), Maureen Rae's 8-Week Internship Program, Maureen Rae's RYT, National Academy of Sports Medicine, OASES, Ontario Fitness Council (OFC), Ontario Yoga Association, Peak Pilates, Pilates Method Alliance (PMA), PTA Global, The Pilates Process, Sattva Yoga Shala and United Yoga Montreal, Second Wind Pilates Plus, Squash Canada, STOTT PILATE, Tennis Canada, Urban Poling Level 1, Yoga Association of Alberta (YAA), YMCA/ YWCA, Yoga Alliance, YogaFit Canada or Yoga Source & Therapy Studio (Yoga Only).

Class 2 Option A

For Personal Trainers, Fitness Instructor Specialists, Group/Class Fitness Instructors, Yoga Instructors, Pilates Instructors, Sport Conditioning Specialists, Barre Instructors

Coverage Limit $1 Million $2 Million $5 Million
Premium $135.00 $160.00 $240.00
Administration Handling Fee $35.00 $35.00 $35.00
Total $170.00 $195.00 $275.00

(Applicable taxes not included)

Class 2 Option B

For Wellness & Nutrition Specialists, Aquatic Fitness Trainers, Pre & Post Natal Coaches, Squash Instructors, Tennis Instructors

Coverage Limit $1 Million $2 Million $5 Million
Premium $150.00 $200.00 $300.00
Administration Handling Fee $50.00 $50.00 $50.00
Total $200.00 $250.00 $350.00

(Applicable taxes not included)

If you are certified to provide services under both Option A and Option B, you must purchase coverage under Option B.

This program is written by Lloyd's through All-Sport Insurance. All-Sport Insurance focuses exclusively on risks found in the sports, leisure and entertainment industries. For more information about All-Sport Insurance visit their website at www.allsportinsurance.com

Ask an Advisor

Class 1: Please direct any questions about our Insurance Program for Fitness Professionals to:

Echo Zhou, HUB International TOS, Burnaby, BC
Email: TOS.Team-FitnessLeaders@hubinternational.com 
Phone: 604-269-1919

Class 2: Please direct any questions to:

Email: fitnessprogram@hubinternational.com
Phone: 1-877-FITPROG (348-7764)

The policy purchased through this program DOES NOT provide coverage for an injury to the insured themselves or for property/equipment owned by the insured. For more information about, or to purchase, these types of coverage contact:

Personal Accident Insurance: Ruth Thomson
Email: ruth.thomson@hubinterntional.com

Property Insurance: Ben Rossington
Email: benjamin.rossington@hubinternational.com