Sports and fitness insurance is a form of business insurance that financially protects anyone in the sports and fitness industry in Ontario from liability risks and provides reimbursement for their property and possessions from damage and theft. While you can minimize risk with certain actions, such as having personal trainers require questionnaires from their clients, it is impossible to prevent them entirely. To protect you in the case that you are unfortunate enough to encounter such a scenario, it is highly recommended that you have sports and fitness insurance if you are vulnerable to any of the dangers of the industry. 

Sports league/association operators; fitness professionals (instructors, personal trainers, yoga teachers); fitness studio and gym owners; health club owners; arena and sports venue managers; martial arts trainers, dance instructors; coaches. Please note that this is not a complete list — if a participant in a football game gets very seriously injured, there are plenty of people who could be held responsible.

Despite the fact that sports and fitness insurance cover plenty of situations, you or others in your organization may face the consequences of a situation beyond your control. However, there are some situations where sports and fitness insurance will not give you any protection. These include, but are not limited to: 

• Situations where harm is intentionally caused by the insured acting maliciously. 
• Natural wear and tear over time. 
• Equipment failing due to poor maintenance. 

Please note that there are other instances that sports and fitness insurance does not cover.

Sports and fitness insurance is capable of covering special events held by an insured party in Ontario. For example, if your sporting organization is hosting a party as part of a fundraiser, you can add party alcohol liability insurance, also known as PAL insurance, to your plan. This lets you cover the added risks of certain events, including the risks associated with alcohol. Another example would be hole-in-one insurance, if you're hosting a fundraiser at a golf course, and are unable to pay out someone who won more than you were anticipating anyone would.

There are many ways you can save on costs by lowering your sports and fitness insurance quote. They include the following: 

• Implementing workplace safety measures to minimize the risk of an injury. 
• Avoid making claims on small losses to keep your claims history clean. 
• Increase your deductible. 

Please note that these are not the only ways in which you can save on your sports and fitness insurance quote.