Insurance

Each Fitness Leader that obtains BCRPA Fitness Leader Registration automatically receives $2 million in Commercial General Liability insurance coverage through Sport BC Insurance.

New This Year! Personal Training $2 million Commercial General Lability Insurance through Sport BC can be purchased on your The Registry® of Fitness Professionals account. This additional insurance costs $110, check the page below for more information and email us for details on how to purchase this coverage.

This program ensures that you have adequate insurance coverage as long as you are:

  • Currently registered with BCRPA with valid CPR and First Aid certifications.
  • Working within your Scope of Practice
  • Working at locations within Canada 
  • Not performing services within your home

 *Please review terms and conditions for online training.

The package complements existing coverage provided by some facilities where you may be working. See the policy below for details.

Click here to view the and download the Certificates of Insurance effective February 1, 2022 - 12:01 am February 1, 2023

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.

 

URGENT: To maintain your coverage with our new insurance provider please ensure your address is filled out and up-to-date on the “Personal Contact Info” section of your account on The Registry® of Fitness Professionals by February 1, 2022

 

 

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Fitness Leader and Personal Trainer General Liability Insurance

View a copy of the insurance policy: Click here to view the and download the Certificates of Insurance, effective Feb 1, 2022 - 12:01 am Feb 1, 2023

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 Limits of Insurance 
Bodily Injury and Property Damage $2,000,000 Each Occurrence
Product and Completed Operations $2,000,000 Annual Aggregate
Personal and Advertising Injury $2,000,000 Any on Person or Business Entity / Annual Aggregate
Medical Payments $2,500 Any One Person
Tenants’ Legal Liability $250,000 Any One Premises
S.P.F. No. 6 - Standard Non-Owned Automobile Liability Policy $2,000,000 Each Accident
S.E.F. No. 94 - Legal Liability For Damage To Non-Owned
Automobiles
$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
  • 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

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. There may be some exceptions to the First Aid and CPR requirements as a result of COVID-19. Please confirm the latest updates on the COVID-19 Updates for Fitness Leaders page.

For all insurance related questions including listing an 'additional insured' organization or, purchasing additional insurance, please contact SportBC Insurance Agencies Ltd directly at:

  • Email: info@sbcinsurance.com
  • Phone #: 1-877-360-6648
  • Local: 604-737-3018
  • Office Hours: M-F 8:30am to 4:30pm 

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Temporary Practicum Insurance for Fitness Students

For Fitness Students who are in the process of completing their practicum hours towards registration requirements, BCRPA provides temporary practicum insurance for Group Fitness, Aquatic Fitness, Yoga Fitness, Pilates Fitness, and Weight Training modules.

This one-year insurance policy automatically starts when you pass the Fitness Theory Exam and pay the 1-year registration fee of $105.

Note: You then have one year to complete all practical components of your core module course, and to submit your ICE package in order to become fully registered in this new specialty.

If you have any questions about your insurance needs, please contact:

SBC Insurance Agencies Ltd.

  • Email: info@sbcinsurance.com
  • Phone #: 1-877-360-6648
  • Local: 604-737-3018
  • Office Hours: M-F 8:30am to 4:30pm 

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Insurance for Online Training

Insurance coverage for online fitness training is now covered under the General Liability Insurance as a BCRPA Registered Fitness Leader.

Please ensure you have read the full terms and conditions for this insurance here


Sport BC's requirements for providing insurance coverage to BCRPA Registered Fitness Leaders who conduct online training and classes are:

  • Online training can be pre-recorded and does not need 2-way communication, however a disclaimer is required.
  • Online training can be 100% of a Fitness Leader's gross income
  • This additional insurance provides Fitness Leaders coverage for 2022.

If you have further insurance-related questions, please contact

SBC Insurance Agencies Ltd.

  • Email: info@sbcinsurance.com
  • Phone #: 1-877-360-6648
  • Local: 604-737-3018
  • Office Hours: M-F 8:30am to 4:30pm 

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