Martial Arts, Fitness & Yoga Insurance
Insurance for a variety of Martial Arts, Fitness, and Yoga Studios, as well as Individual Instructors and Coaches is available. This package is designed for Trainers / Instructors who are qualified, certified, or trained to perform their primary modality. Your Business Insurance Package aims to protect your business against potential lawsuits just as you protect your health by exercising and eating healthy.
* NOTE: These policies are designed to be more economical due to Broker handling not being involved. Please enter your information carefully.
Once a policy is purchased online, extra administration charges apply for required changes, certificates, and need for Broker services.
Who Qualifies for Martial Arts, Fitness & Yoga Studios and Instructors Insurance?
This package is designed for individuals who are working as independent contractors or clubs / studio owners who rent/lease a location and have up to 20 employees.
Martial Arts Clubs, Fitness Studios, Personal Training, Fitness and Group Instructors
- Aquatic Fitness
- Barre Instructor
- Boot Camps
- Boxing for Fitness (Non-Contact)
- Fit 4 Two
- Fitness Instructor Specialist
- Golf Instructor
- Group Fitness & Training
- Group / Class Fitness Instructor
- Non-Contact Martial Arts
- Older Adult Fitness
- Personal Trainer
- Post-Natal Coach
- Racquetball Instructor
- Sport Conditioning Specialist
- Squash Instructor
- Tennis Instructor
- Weight Training
- Wellness & Nutrition Specialist
Yoga Studios & Individual Yoga Instructors
- Ashtanga vinyasa yoga
- Bando yoga
- Bikram yoga
- Chair yoga
- Dhyana Yoga
- Forrest Yoga
- Hatha Yoga
- Hot Yoga (various tempatures)
- Integral Yoga
- Jivamukti Yoga
- Karma Yoga
- Kriya Yoga
- Laughter Yoga
- Laya Yoga
- Mantra Yoga
- Moksha Yoga
- Naam Yoga
- Nada Yoga
- Nidra Yoga
- OM Yoga
- Paddleboard Yoga
- Pancadasha-anga Yoga
- Patanjali Ashtanga Yoga
- Power Yoga
- Pranava Yoga
- Raja Yoga
- Rocket Yoga
- Sahaj Marg
- Shadow Yoga
- Shiva Yoga
- Sivananda Yoga
- Strala Yoga
- Styles of Hatha Yoga
- Svaroopa Yoga
- Vigorous Vinyasas
- Vipassana Meditation
- Yanumoja Yoga
- Yin Yoga
- Zen Meditation
- Zen Yoga
Coverage Amounts / Limit Options
The following are the specific limit options available to you, depending on the coverage(s) you choose to purchase.
Limit/Coverage Amount– the highest amount the insurer will pay in the case of a claim.
Premium – the starting amount you would pay to cover your risk.
Martial Arts, Fitness & Yoga Insurance Coverages
Professional Liability – Included
Errors & Omissions Insurance or Professional Liability Insurance is a must-have for Health & Fitness Trainers/Instructors. Clients may sue you due to negligence, mistake, oversight, or harmful treatment “decisions” etc. The advice that you or your trainers/employees provide in-person or online may be targeted and blamed for a client’s health problems. Whether you push them physically a little too much or provide “wrong” advice on their regiment or diet, this policy can be the difference between your business’ success and failure.
Commercial General Liability – Included
General liability insurance serves to protect you from claims due to bodily injury and property damage. If you have clients or members coming to your premises, there is the risk they may injure themselves in some way. This is especially relevant for personal trainers, fitness centers, and yoga studios. A lot of times, the limit you choose here may be driven by your lease requirements, or the studios lease. If this is not a factor, then the consideration as to the possible injuries for your specific clients should be considered. As the risk for injury increases, or severity of injury for your health and fitness business – the higher your coverage limit should be.
Contents & Equipment – Optional
Contents and Assets Insurance protects the equipment you use at your location in the unexpected event that it is damaged (fire, flood, theft). This coverage provides financial relief in these cases to replace or repair it allowing you to focus on returning to business. Examples include furniture, fixtures (flooring, lighting, appliances), and office and gym equipment.
Legal Advice Phone Line – Included
This legal phone helpline coverage allows you to have access to unlimited legal advice from 8 am to midnight, 7 days a week. There are many scenarios in which you may run into legal problems, for example, a dispute with the studio, gym owner, or landlord. As a health, fitness, or martial arts business, you may run into legal issues requiring some quick advice, big or small. Many people are familiar with the steep per hour costs of hiring a lawyer –this service helps overcomes that giving you access to proactive free advice. Ultimately, the Legal Advice Phone line allows you to continue training your clients with a higher level of confidence and peace of mind.
Privacy Breach & Security Breach Service – Included
This coverage will help you react in the event of a data breach. Imagine your online system is hacked, or your customers’ payment details are stolen. In these unfortunate events, a group of experts will assist in quickly developing a breach response strategy and incident management plan, to mitigate the impacts of a potential breach on your business.
- Breach Counseling – Assistance to help determine whether a breach has occurred and assess the severity of the incident
- Crisis Management – Time-saving professional service in handling a breach
- Media Relations Consulting – Public relations assistance to help you protect or restore your business’ reputation
- Legal Support – Documentation of steps taken and remediation services provided
Please Note: This is not a full Cyber legal liability wording. For full coverage, please click here: Cyber Liability Information
* All insurance coverage described is intended to be general in nature and subject to the applicable insurer’s specific policy wording, terms, conditions, and exclusions.