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Independent comparator — AMF partner firms

Fitness studio and gym insurance in Quebec

For fitness studios, gyms, gyms and personal trainers in Quebec — liability, specialized equipment, participant injuries.

Adapted RC
to your business
AMF firms
certified partners Quebec
Free of charge
Comparison and Submission
Quick Quote
Personalized response

Who is this insurance for?

Whether you are an operator, manager or owner, our specialized partner firms will help you choose the right coverage.

Fitness studio / gym

Gym with membership membership. Cardio, weight training, guided classes.

CrossFit / HIIT

High-intensity training with specialized equipment. Risk of strenuous exertion and reportable injury.

Studio spinning / cycling

Stationary bikes, supervised lessons. Sound, lights, audiovisual equipment to cover.

Personal Trainer

Individual coaching in the studio, in the company or at home. Professional liability required.

Boot camp / outdoor classes

Outdoor activities in municipal parks. License and adapted RC.

Rehabilitation/Kinesiology Centre

Therapeutic approach, often injured clientele. Higher professional liability requirements.

Why specialized coverage?

RC

General Operating Liability

An injury to a limb attributable to equipment, flooring, framing or facilities.

PR

Professional liability

Advice or prescription for inappropriate exercise that has caused an injury.

EQ

Specialized Equipment

Treadmills, bicycles, racks, dumbbells, guided machines — theft, vandalism, mechanical breakdown.

AC

Limb accident

Supplemental coverage in the event of injury during a supervised course.

How does it work?

1

Fill out the form

A few minutes to describe your business, operations, and locations.

2

Analysis by a partner firm

A broker from an AMF-registered partner firm will review your file and shop for the best protection.

3

Receive a personalized quote

Detailed application with coverage, limits and premium applicable to your situation.

4

Enable coverage

Policy in force, certificate issued quickly, ready for your customers or partners.

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Good to know before your request

Document your trainers’ certifications (FQME, NSCA, ACSM), pre-workout evaluation protocols, and equipment maintenance sheets. A paper trail demonstrates due diligence.

⚠️ The risk of operating without adequate coverage

A serious injury (muscle tear, hernia, tendon rupture) attributed to an ill-adapted program can generate a significant claim. Without professional policing, the coach is exposed personally.

Get Your Quote

Fill out the form below. A broker from a specialized partner firm will contact you with a suitable proposal.

Soumission évènement (#12)
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Why use Assur360?

✓ Independent comparator

Assur360 is not a firm; we put you in touch with partner firms and brokers registered with AMF.

✓ AMF Partners

Partner firms are registered with the AMF and supervised by the Insurance Chamber.

✓ Industry Specialists

Partner firms used to structuring policies for this type of activity.

✓ Free service

You don’t have to pay anything to get quotes and compare bids.

Coverage throughout Quebec

Our partner firms support organizations in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis, as well as throughout the province.

Frequently asked questions

Are my self-employed trainers (subcontractors) covered by my studio?
Not by default. Require them to have their own professional liability or add them as additional insureds.
Are virtual (online) classes covered?
Yes generally, but it is to be confirmed. The geographic risk changes if you broadcast outside Quebec.
Is long-term rental equipment covered?
Yes, as long as you declare it. The replacement value at new is often recommended.
Do I have to insure the CrossFit area separately?
Not separately, but the high-intensity nature should be indicated — this influences the premium.
Coverage for city park boot camps?
Yes, with an “off-site” RC extension. The municipality may also require an additional certificate of insured.
What RC for a small studio (less than 100 members)?
$2 million is often enough; increase to $5 million becomes recommended above 200 members or if you offer training.
What about my used/used weight machines?
Covered like the rest, at the declared value. Keep proof of purchase.
My premises are rented — who takes care of what?
You cover your leasehold improvements, content, and operation; The owner covers the building envelope.

Ready to protect your business?

Describe your project, receive a personalized quote — free of charge, no obligation.

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