Your Insurance
We’ve Got You Covered
Every BCRPA Registered Fitness Leader automatically receives Commercial General Liability insurance through Sport BC.
When renewing your registration, you now have the choice between either:
- 2-million-dollar liability coverage, or
- 5-million-dollar liability coverage.
Here to support
Stay Protected with BCRPA
This policy supports your professional practice as long as you are:
- Currently registered with the BCRPA and have valid CPR and First Aid certifications.
- Working within your Scope of Practice.
- Providing services within Canada.
Summary of Coverage
General Liability Insurance is designed to complement any workplace insurance coverage you may already have.
You will find a link to your insurance policy in your BCRPA Fitness registration receipt.
Note: Sport BC updates their annual policy every year on February 1st. This timeline may not line up with your registration dates, however you are covered by insurance for the entirety of your registration period. Every year once the policy is updated, you will automatically be added to the new one.
If you require your name to appear on the Certificate of Insurance or if you require your policy to list an ‘additional insured’ organization, please complete this form.
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.
Insurance Coverage SummaryInsurance for Fitness Students
If you’re working toward your registration and completing practicum hours, BCRPA provides insurance for the following speciality modules: Group Fitness, Aquatic Fitness, Yoga Fitness, Pilates Fitness, and Weight Training.
For those working towards the Personal Training advanced specialty AND looking to work as a Personal Trainer (PT) within this first year we offer a student Personal Training registration to cover your insurance while practicing after you pass this advanced specialty.
These one-year insurance policies begins automatically once you pass the Fitness Theory Exam and pay your registration fee.
From that date, you’ll have one year to finish all practical components of your core module and submit your ICE package to become fully registered in your chosen specialty.
Online Training Coverage
Your liability insurance covers both in-person and online fitness instruction. Whether you’re teaching live virtual classes or sharing recorded content, you’re protected.
Review all requirements for coverage below.
- 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.
- All participants must be registered clients, and attendance must be recorded by the instructor.
- All participants must be located within Canada.
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Instructors must keep a record of the following information for each online class conducted:
- Date and time of the course.
- Instructor’s remote location.
- Class Content (activities to be conducted).
- Number of Participants (ensure all participants are current registered clients before the start of the session).
- Publicly-accessible broadcast tools such Facebook Live, YouTube, Instagram Live, etc. are not acceptable methods of delivering online training.
- Permitted delivery tools must include the use of controlled, multi-screen video conferencing programs such as Skype or Zoom (ZOOM.US).
- Class is limited to the number of participants that can be viewed on a single screen and no more than four (4) participants in one location.
- All injuries are to be documented.
More questions about your insurance?
Please contact the BCRPA team first. If we are unable to answer your question, you can contact SBC directly at:
SBC Insurance Agencies Ltd.
- Email: [email protected]
- Phone #: 1-877-360-6648
- Local: 604-737-3018
- Office Hours: M-F 8:30am to 4:30pm
Connect with our team
Still have questions? Reach out to our team. We’re here to help!