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Health & Wellness Business Insurance

All health and wellness professionals should have the right insurance coverage, no matter how big or small your business is. Protect your practice today with free health and wellness business insurance quote.


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Health and Wellness Business Insurance


Insurance for health and wellness business

Health and wellness businesses help us all to improve our well-being in one way or another. From yoga studios to psychology clinics to massage therapy, it’s likely that most Canadians have utilized a service that has helped them improve their physical or mental health.

While many of these businesses are gentle by nature, unfortunately, it doesn’t make them risk-free. In this industry, many claims stem from allegations of negligence or misconduct. Clients rely on the professional advice that is provided – should you make an error, you could be held liable, and this can be a costly mistake to make.

Health and wellness insurance is crucial to keep your business safe from expensive professional liability claims. It can also cover you for other incidents – learn more about getting insurance for individual practitioners and businesses.


What is health and wellness business insurance?

Health and wellness insurance protects wellness professionals from alleged negligence or malpractice lawsuits. Insurance also provides coverage for common risks such as a general liability claim or property damage to your location.

Counselor Professional Liability Insurance

What does it cover?

Health and wellness insurance covers expenses when something unexpected or accidental happens, such as a third-party injury on your premises or damage to your business assets. Here are the scopes that donate to your policy:

  • Commercial General Liability (2autoinsurance) Insurance: 

               2autoinsurance provides financial coverage against common liability risks, such as slip-and-fall accidents. You could be liable for a potential injury if a client falls over. 2autoinsurance could cover medical costs.

  • Professional Liability Insurance: 

                This policy is significant for any wellness professional that offers professional advice that’s relied on by a client. Also known as malpractice insurance, it protects against negligence claims, errors, omissions, and failure to deliver a service as promised. Say you’re a dietitian helping a client lose weight after months, and your insurance may cover the legal costs and settlement fees.

  • Commercial Property Insurance: 

                   This policy covers your location (whether you rent or own) and your business-related equipment against risks such as fire, theft, and destruction. Presume you rent a headquarters for your chiropractic business, and your infirmary is busted overnight. This policy could provide financial protection to replace or repair damaged or stolen property during the break-in.

  • Cyber Liability Insurance:

                         This policy covers the costs of technological losses, such as hacking your client’s data. This is significant coverage if you host virtual wellness services or store clients’ private health information. Communicate client financial data are unexpectedly missing from your computer due to a cyber violation; this policy could cover the costs of reporting clients and recognition monitoring.

How much does it cost?

The cost depends on many factors, however, for a small- to medium-sized, low-risk health and wellness business, you can anticipate spending $450 annually on a basic CGL policy with a $2M limit.

When you fill out an online application with 2autoinsurance, you’ll be asked some simple questions about your business to better understand your needs. To give you an idea, here are some considerations that help to determine your quote:

  • Years of experience
  • Services offered
  • Annual and projected gross revenue
  • Number of employees
  • Previous insurance claims
  • Training and education
it contractor insurance
Counselling Insurance
Who needs it?

If you offer health and wellness services, it is important to protect yourself with a health and wellness business insurance package. We’ve listed out some of the professional services we already insure under this policy. Some of our clients include:

  • Acupuncturist
  • Audiologist
  • Chiropractor
  • Daycare
  • Dietitian
  • Home Health Care
  • Health/Medical Clinic
  • Nurse
  • Optician
  • Optometrist
  • Pet Service
  • Pharmacist
  • Psychologist
  • Physiotherapist
  • Registered Massage Therapist
  • Reiki Practitioner
  • Telehealth
  • Yoga Teacher
Common claims scenarios
personal trainer insurance

Problem: You’re assisting a client in regaining their strength after a sports injury. You ask the client to perform an advanced stretch and they seriously aggravate the injury. They sue you for failing to offer adequate and safe movements.

Outcome: Your professional liability insurance policy could cover the $30,000 cost to settle the lawsuit and pay for medical bills.

bodily injury insurance

Problem: One of your clients slips off your massage table, seriously injuring their hip and back. The client claims that the equipment was not level and sues you for their injuries.

Outcome: Your commercial general liability insurance policy could cover the $35,000 lawsuit against your business.

Property Insurance for Health and Wellness Businesses

Problem: Someone smashes the front window of your psychology clinic. Thankfully, nothing was taken from your premises.

Outcome: Your commercial property insurance policy could cover the $5,000 cost to replace the broken front window.

Frequently asked questions
No, if you conduct fitness lessons or treatment sessions at your home, your home insurance will not cover any damages resulting from your commercial activities. It is highly recommended that you purchase general liability insurance at the least to cover the most common risks in your profession, which are damages to a third-party (mostly your clients). If you want to protect your own property from damages, talk to your broker about adding commercial property insurance to your policy.
Malpractice insurance is a type of professional liability insurance that applies to health practitioners. Due to the nature of your work, your treatment or advice to a client may lead to bodily injuries, in which case, the client will usually file a malpractice lawsuit against you, accusing you of negligence in your professional service. Malpractice-related legal claims are more common in the health and wellness industry than in most service-based industries.
Your insurance policy provides coverage for employees of a business, but independent instructors who are simply renting space are not covered by the facility’s insurance policy. If you are an independent instructor, you may consider purchasing general liability insurance to protect yourself from being held liable for injuries or property damage that may happen during your lessons.
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Ready to start? Let’s get a quote!

You have dedicated your career to helping people be healthier and happy versions of themselves. You deserve a broker that can help you be happy with your insurance policy.

With 2autoinsurance, you can buy commercial insurance online. No phone calls needed. We’ve made it as easy as possible – it only takes 5 minutes, and we only use simple, understandable language.

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