Liability Insurance for Fitness NB Certified Leaders
All Fitness NB and National Fitness Leadership Alliance registered fitness leaders are automatically eligible to receive $2 million in Commercial General Liability insurance coverage through HUB International TOS Limited at the low cost of $50.00 per fiscal year. This insurance program ensures that there is adequate 3rd Party bodily injury or property damage caused by work as a Fitness NB Fitness Leader as long as they work as a group fitness leader within their Scope of Practice in their designated specialty of certification such as Choreography, Portable Equipment, Step, AquaFitness, Indoor Cycling, Yoga Fitness, Older Adult Fitness and Resistance Training.
The policy also provides a $1,000 limit per person for medical expenses; these include immediate expenses such as the cost of an ambulance or immediate care of an injury.
The package complements existing coverage provided by some facilities and/or additional personal liability insurance you may secure. Be aware that this coverage does not insure the leader, if they are injured while leading a fitness program. Also this coverage does not extend to any classes the leader may conduct out of their home, out of a rented space that is considered a personal studio, or outside of Canada. In these cases the leader will require a separate insurance policy that is attainable by application through HUB TOS or your own personal insurance company.
The commercial general liability insurance is valid up to March 31st of the current fiscal year.
If the leaders’ registration expires for any reason, they are no longer covered under the Fitness Leadership Canada (FLC)/Fitness NB insurance program. If they apply for an extension, they will not be insured for the period between the registration expiration date and renewal date.
Personal Fitness Trainers (PFT) must purchase additional insurance coverage above and beyond the basic yearly commercial general liability insurance fee.
To read more about your Fitness NB insurance and to view or download the Fitness Leaders Generic Confirmation of Insurance please go to the Members Login Section.
You can also visit Hub International TOS to learn more about their services at http://www.hubinternational.com/content_imag