Our FIT insurance product is specifically designed to meet the needs of fitness instructors and clubs throughout Canada. We offer a broad cover with modular policy features which insure against the diverse risks faced by businesses and individuals working in the fitness industry, from yoga instructors to personal trainers and gyms. Some of the policy features are listed below.
We recognize the complex contractual landscape in which fitness businesses operate. That’s why we provide cover for costs and expenses incurred in your defense in case you are accused of providing inadequate services to a contracted client.
Our policy includes commercial general liability including products and completed operations, tenants’ legal liability and medical expenses.
Tanning bed liability
This falls under general liability but we felt it’s important enough to stand out on its own. In the event a client sustains accidental injury or damage whilst using your tanning beds, our policy covers the costs you are legally obliged to pay.
Sexual misconduct & physical abuse liability
In the event you are legally obliged to payment in relation to a claim made against you, we will cover the sums, including liability for claimants’ costs and expenses. This applies to allegations of sexual misconduct or physical abuse deemed to have occurred during the course of your business activities and during the period of the policy.
Business interruption cover
It’s not always possible to foresee where the next business interruption comes from, so our innovative cover is offered on a “flexible first loss” basis, which means whatever type of business interruption loss is suffered, only one sum insured needs to be purchased.
Court attendance costs
Court attendance costs can rack up quite a bill, so we cover costs incurred by attending court in relation to a claims or loss case as covered by this policy.
Reputation & brand protection cover
We will look to pay costs and expenses of up to a specified sub-limit for the services of a public relations consultancy to mitigate damage to reputation and brand following a claim otherwise covered under the policy.