Are fitness instructors covered by the Health and Wellness Insurance policy of the gym or studio that they are conducting sessions in?

Health and Wellness Insurance provides coverage for employees of a business, but independent instructors who are simply renting space are not covered by the facility’s insurance policy. If you are an independent instructor, you may consider purchasing General Liability Insurance to protect yourself from being held liable for injuries or property damage that may happen during your lessons.

Do Health and Wellness practitioners need Malpractice Insurance or Professional Liability Insurance?

Malpractice Insurance is a type of Professional Liability Insurance that applies to health practitioners. Due to the nature of your work, your treatment or advice to a client may lead to bodily injuries, in which case, the client will usually file a malpractice lawsuit against you, accusing you of negligence in your professional service. Malpractice related lawsuits are more common in the health and wellness industry than most other service-based industries.

Does Home Insurance cover instructors who conducts health and fitness lessons at their home?

No, if you conduct fitness lessons or treatment sessions at your home, any damages resulting from your commercial activities will not be covered by your Home Insurance. It is highly recommended that you purchase General Liability Insurance at the least to cover the most common risks in your profession, which are damages to a third-party (mostly your clients). If you want to protect your own property from damages, talk to your broker about adding Commercial Property Insurance to your policy.