Describe the business, confirm its class, and see which Canadian insurers and MGAs write it, with their contacts and applications.
This Canadian industry comprises establishments primarily engaged in operating health clubs and similar facilities featuring exercise and other active physical fitness conditioning, or recreational sports activities.
Specialist programs come first. Taken from each market's own website; confirm appetite before you submit.
Personal trainers, yoga instructors, massage therapists, hairdressers, estheticians.
Beauty and style professionals, health and wellbeing, counsellors and trainers, and fitness centres.
Security agencies, fitness centres and sports clubs, leisure, games and events, manufacturing, hydro and thermal plants, welding, blasting, pesticide spraying, construction (hot roofing, wrap-ups, bridges, railways), demolition, asbestos, mould and contaminant remediation. Faulty workmanship and sudden and accidental pollution may be included; excess available.
Independent fitness trainers.
Fitness studios and martial arts studios.
Amateur sport and recreation. Annual policies, or short term product for sessions and events under 4 months.
Up to $50M fire-resistive and $25M frame on a quota share basis; excess layers up to CAD 30M (All Risks, minimum premium CAD 50,000). Hard to place or distressed accounts. Sawmills and woodworking, seafood processing, manufacturing, hotels, condos and apartments, municipalities, agriculture and food, power and utilities, property owners, restaurants, gyms, breweries and distilleries, retail, grocery.
Engineers and architects, contractors, life science, consultants and various professionals, gyms and fitness centres, beauty salons and spas, technology consultants, media companies.
Climbing gyms, guided operations, hunting and fishing lodges, sleigh rides, whitewater rafting and zipline attractions.
Teams, leagues, associations, athletic departments, facilities and events.
USLI instant quotes by phone (1-888-216-5838) or online for rented dwellings, apartments, allied health, artisan contractors, liquor stores, builders risk, caterers, contractors equipment, fitness centres, bars and restaurants, houses of worship, janitorial, laundromats, lessors risk, mercantile, offices, pet care, special events, vacant buildings and land and more. Not available in NB, NL, NS, PE, NT, NU or QC.
Targets CrossFit gyms, yoga studios, personal trainers, Zumba trainers, health and fitness associations and mixed martial arts. Composite package with CGL, professional liability, property, crime, business income, boiler and cyber. Not available in New Brunswick.
Three coverage levels for city, social and athletic clubs and similar membership facilities combining activities, dining, fitness and events.
Fitness studios and instructors; dance instructors and studios have a separate package.
Applications for sport organizations, arenas, multiplexes and winter clubs, hockey schools, recreational non-contact hockey, softball and baseball, dragon boat clubs, martial arts facilities, sports camps and Red Cross CPR, first aid and swimming instruction.
4WD tours, campgrounds, paintball, go-karts, play centres, climbing walls, zip lines, kayak and paddle board, snowmobile and ATV rentals, escape rooms, sports leagues, axe throwing, and eco-tourism lodges and guides. Participant liability, CGL and property in one program.
General liability for sports complexes and facilities, including participant coverage. Limits not published.
Hard to place CGL. Classes include amusements, bingo halls, casinos and gaming, VLTs, entertainment, fitness, security providers, janitorial, machine shops, recycling and waste disposal, property managers, spas, tanning and tattoo parlours, food industry, feed mills, schools, arenas and venues, racetracks, zoos, IT, advertising and media, product recall, pyrotechnics, chemicals, plastics, biotechnology, alcohol retail, brewery and winery (no tasting room), and 100% USA sales.
24 hour gyms, cross training, cycle studios, dance studios, fitness studios, health clubs with child minding, light esthetic spa services, tennis and racquetball clubs, yoga and Pilates. Liability up to $15,000,000, professional liability up to $2,000,000 for trainers and instructors, abuse coverage available.
Sports clubs and associations, arenas, camps, not-for-profits, adventure tourism, martial arts, fitness instructors and facilities, special events, tournaments and festivals (including short term). CGL, D&O, abuse liability, property and sport accident may be available. Primary and/or excess casualty capacity up to $10 million for eligible risks.
Canadian amateur sport and recreation: sports organizations, fitness clubs, yoga studios, special events; abuse coverage application available.
Property for amateur sport and recreation organizations.
Non-profit D&O for amateur sport and recreation organizations.
Includes Markel Play, and PlayMicro for sports and special events.
CGL packages with medical payments, tenant's legal liability and contractual liability, with optional property, cyber, abuse and participant accident. Sports camps, events and recreational venues.
Stand-alone CGL with addenda for outdoor clubs and tours, children's camps, child care, special events and sports organizations.
Limits up to $25MM+, minimum premium from $500. Eligible classes: construction (contractors, sub-trades, architects, engineers, consultants), manufacturing, real estate (strata corps, boards), energy and resources (oil and gas, mining, forestry, renewables), med science including cannabis, sports and entertainment (subject to sufficient revenues), commercial and non-profit entities.
Accommodation and food (B&Bs, campgrounds, hotels, motels, restaurants, resorts, takeout) without a liquor licence; amusement and recreation (arcades, cinemas, fitness clubs, galleries, museums, libraries), generally without a liquor licence; retail; and office packages for business services. Host liquor liability excluded. Coverages: abuse liability, CGL, employer's liability, EPL, equipment breakdown, products and completed operations, property and crime. Liability limits up to $10,000,000; property and crime up to $5,000,000 per location (best in class).
Targets high severity accounts, manufacturers, wholesalers and suppliers, snow removal and landscape contractors, start-ups, high US sales (up to 100%), goods made overseas, sports, leisure and recreation, entertainment and special events. Limits up to $10,000,000. Minimum premium $2,500. Declines long haul and US trucking, cannabis and pharmaceuticals.
Other business types in this industry, each with its own market list.
Get listed free, confirm your listing to show it as verified, or ask about a sponsored placement on the classes you write. Sponsored placements are always labelled.
Listings show what each market publishes on its own website, checked on the date shown. Appetite and contacts change, so confirm with the market before you submit. Industry classes: Statistics Canada, NAICS Canada 2022 Version 1.0, under the Statistics Canada Open Licence. TrueNorthCE is not affiliated with the markets listed. Listings marked Sponsored are paid placements.