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View a copy of the insurance policy: Click here to view the and download the Certificates of Insurance, effective Feb 1, 2024 - 12:01 am Feb 1, 2025
Note: The Policy is for BCRPA Registered Fitness Leader access only – login required. If you do not have an account on the BCRPA website, you can create one here. Please use the same email that you use for your account on The Registry® of Fitness Professionals.
Coverage Summary
| Coverages |
$2M policy |
$5M policy |
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| Limits of Insurance |
| Bodily Injury and Property Damage |
$2,000,000 |
$5,000,000 |
Each Occurrence |
| Product and Completed Operations |
$2,000,000 |
$5,000,000 |
Annual Aggregate |
| Personal and Advertising Injury |
$2,000,000 |
$5,000,000 |
Any on Person or Business Entity / Annual Aggregate |
| Medical Payments |
$10,000 |
$10,000 |
Any One Person |
| Tenants’ Legal Liability |
$250,000 |
$250,000 |
Any One Premises |
| S.P.F. No. 6 - Standard Non-Owned Automobile Liability Policy |
$2,000,000 |
$5,000,000 |
Each Accident |
S.E.F. No. 94 - Legal Liability For Damage To Non-Owned
Automobiles |
$50,000 |
$50,000 |
Each Accident |
| Coverages |
Deductible |
| Bodily Injury and Property Damage |
$1,000 |
| Personal and Advertising Injury |
$1,000 |
| Tenants’ Legal Liability |
$1,000 |
S.E.F. No. 94 - Legal Liability For Damage To Non-Owned
Automobiles |
$1,000 |
Scope of Practice Limitations:
Older Adult Fitness, Aquatic Fitness, Group Fitness, Osteofit, Pilates Fitness, Weight Training, Yoga Fitness (excluding Bikram Yoga and Inversion), Fitness Theory, Personal Trainers
Designated Operations or Entities Exclusion:
- Instruction of professional Athletes or carded amateur athletes;
- Work related Rehabilitation of any condition;
- Tanning / toning beds;
- Infraredsauna;
- Hot Yoga;
- Bikram Yoga;
- Operation of commercial studios (including in-home) owned, leased, or rented on long term basis.
Exclusions:
- Abuse
- Errors and Omissions
- Sanction limitation
- Contagion exclusion
- Asbestos (total exclusion)
- Data
- Cyber incident
- Recording and distribution of material or information in violation of law (anti-spam)
- Terrorism
- Limited fungi and fungal
- Derivatives coverage
- Rehabilitation of any condition
- Programs marketed or promoted to children or youth under the age of majority in BC – 19.
Policy territory is Canada and the US, with worldwide coverage for claims brought back to Canada or the US.
Remember that it is your responsibility to keep your BCRPA Registration and your CPR and your First Aid certifications valid.
Note: Once any of these expire, you are no longer covered under the insurance policy.
If you require your policy to list an 'additional insured' organization, please fill out this form.
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