Fitness Instructor, Fitness Facility, Personal Trainer

Liability, Errors & Omissions Coverage For Fitness Professionals

If you are an individual fitness instructor, personal trainer or a facility, Canadian Sports Insurance Brokers has the right insurance to fit your needs. 

Group Exercise Instructors - Aerobic/Dance & Personal Trainers

  • You are renting a facility; you and the landlord can be covered.
  • You are teaching water aerobics, juniors and seniors, the policy will cover you against negligence claims.
  • You are a business member you can cover all your employees wherever they teach working on behalf of you. If you have independent contractors working for you, we can include them in your policy for liability coverage. 

Health Clubs & Fitness Studios

  • Activities at your facility including weight lifting, swimming, Jacuzzi, whirlpool, courts and aerobics to mention a few can be included on the policy.
  • You can receive building and personal property insurance.

Types of Coverage Available


  • Up to $5,000,000.00 Comprehensive General Liability plus $2,000,000.00 Errors and Omissions
  • Provides premises & operations protection for claims arising from the facilities you own, lease or occupy.

What is Errors & Omissions Coverage?
Professional, semi-professional and the serviced type of work may place an obligation on the part of the individual to see that the task is properly performed and any error or omission in the performance of a particular duty may make the individual responsible in damages. Errors and omissions insurance is designed to protect the individual in such a situation. The liability limit is $2,000,000.00.

What is Malpractice?
A. The policy will pay sums you become legally obligated to pay arising from any negligent act, error or omission committed by the Insured or by any employee of the Insured or by any person or organization acting on behalf of the Insured, when so acting in the course of services rendered, or which should have been rendered, or contractual obligations undertaken by the Insured to a client(s) in the course of their Profession as stated in the Schedule listed on your policy.


Same coverage as Plan 1 but also includes $1,000,000.00 malpractice coverage for if you are working with post rehab clients.


  • Up to $5,000,000.00 Comprehensive General Liability with additional coverage for employees, Errors & Omissions, malpractice and facility equipment.
  • Provides premises & operations protection for claims arising from activities within your facility.

Optional Programs Available

  • Insurance for your office equipment, improvements, and office contents.
  • Insurance on your building.

CSIB Fitness Studio Insurance Application CSIB Fitness Studio Insurance Application (344 KB)

CSIB Fitness Instructor Insurance Application CSIB Fitness Instructor Insurance Application (248 KB)

Connect with a CSIB Broker

CSIB has a comprehensive range of insurance solutions - drop us a note and we'll get the conversation started!

CSIB Sports Insurance products are not available for purchase by customers residing in Quebec, Ontario, New Brunswick, Nova Scotia, P.E.I., Newfoundland and Labrador, Northwest Territories, Nunavut, nor Yukon at this time.