Fitness Instructor Insurance

The difference between fitness instructor insurance and gym insurance is whether or not you own the property you work at.

Gym insurance (also known as Property Insurance) is a type of coverage designed to insure buildings you own for your fitness business. Fitness instructor liability insurance is designed to cover claims for buildings or spaces you rent.

Fitness instructor insurance mainly focuses on general and professional liability. This means most of the coverages apply to claims related to injuries or damages your services cause to other people and property. Unfortunately, this policy does not currently have coverage for damages caused to buildings you own. 

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Insurance for fitness instructors who run classes can look a bit different. Whether you’re leading a CrossFit class or a pilates lesson, the way you set up your class can require different coverages.

At Insurance Canopy, we help you build a policy based on:

• Where you work
• Who’s equipment you use
• What products you use
• How you process payments

Our base policy includes general and professional liability insurance, which helps protect you from a lot of the common claims you may see. We also include product liability insurance, which can help you if someone is allergic to essential oils used during a yoga class.

If you supply your own class equipment, our tools and equipment coverage can insure these items both in the studio and in transit. If you store client information online, take electronic payments, or use products like Square to charge students, our cyber liability insurance can help you in the case of a cyber attack on your business.

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Liability insurance for fitness instructors can cover many common claims, such as slip-and-fall incidents or claims of bodily harm. It can also help cover claims of:

• Property damage
• Allergic reactions
• Stolen gear
• Client deaths

If a client is hurt and unable to work, they could hold you responsible for covering the cost of medical bills, lost wages, and emotional damages. If someone trips over a yoga mat and breaks a mirror in a studio you rent, you would be responsible for repairing the damages.

With Insurance Canopy you don’t have to worry about handling a claim alone. Even if you have clients sign a waiver before working with you, there are a lot of legal loopholes that lawyers can find. If you’re faced with a claim, your waiver cannot offer you the same financial support your insurance policy can.

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Inland Marine is a unique type of coverage for your business’s items such as inventory, equipment, and office contents.

You may see Inland Marine also called:

• Gear & Equipment Insurance
• Tools & Equipment Coverage
• Tools, Supplies, & Inventory Coverage

Many insurance companies offer BPP (business personal property) but the coverage is restricted to your own premise or within 1,000 feet of your premise. Inland Marine on the other hand covers your personal property anywhere it is within the coverage territory. This is a crucial distinction for many businesses. It is important to note that neither of these covers a building or real property.

Does your business:

• Sell products online and ship them to customers?
• Is your business mobile in nature?
• Do you do business away from your main premises where your equipment or inventory is taken with you?
• Do you attend fairs and festivals as a vendor?

If you can answer yes to any of these questions an Inland Marine insurance policy is the better coverage for you.

Unlike general liability, which covers claims for numerous losses, as long as it is not excluded, Inland Marine, like most property policies, is a “named peril” coverage. Named peril coverage only pays for claims caused by specific causes that are listed in the policy. Additionally, those perils must be the direct reason for the loss.

• Fire or Lightening
• Explosion, but not caused by or resulting from water
• Windstorm
• Frost or Cold Weather
• Hail, Rain, Sleet, Snow or Ice
• Smoke damage causing sudden and accidental loss
• Vandalism
• Riot or Civil commotion
• Collision, upset, or overturn of a vehicle, in which the contents are being transported by
• Collapse of a building, when caused by the weight of snow, ice, sleet, or rain
• Breakage
• Theft, with certain exceptions such as mysterious disappearance and a police report, must be provided.
• Sprinkler leakage from an automatic sprinkler system
• Sinkhole
• Volcanic Action

A direct cause of loss is the immediate action that caused loss or damage. An indirect cause of loss is a loss that occurs secondarily. To understand this better here are some examples of direct and indirect losses.

Direct Loss Examples:

• There is a fire in your warehouse caused by an extension cord. Some of your inventory and raw materials are burned and others are damaged by smoke.
• On your way to a farmers market you are in a vehicle accident that causes your trailer to overturn damaging the items, you planned to sell.
• The metal shed in your yard collapsed from the weight of heavy snowfall, and the raw materials that were stored in the shed were damaged by the collapse.

Indirect Loss Examples:

• A branch falls on a power line and cuts power to your warehouse as a result of the power outage the food stored in your refrigerated warehouse spoils.
• A hurricane passes through your city causing widespread flooding. Your home is flooded by storm water seeping in through your doors. Your products are destroyed by the flood waters.

We have gathered some helpful tips on keeping your business on track and avoiding loss in the event of severe weather.

• Pay attention to weather alerts and take immediate action to secure your business and its contents.
• Remove valuables and secure them in your vehicle to take with you if you are evacuated.
• Be sure to store your items on high shelves off the ground to help prevent damage from flooding.
• During or just after a heavy snowfall, remove snow from the accessible areas of your roof and outbuildings.
• Install a generator or other backup power source for refrigeration if you store perishable items as part of your business.

You can manage your policy 24/7 by accessing your dashboard through our website. There you can create certificates of insurance, change your coverage, file a claim, or print copies of your insurance documents.

And our licensed customer service team is standing by to help Monday through Friday from 6 a.m.–6 p.m. MST. You can reach them by phone, email, or chat.