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Insurance for fitness professionals.

Join hundreds of members from The Health and Fitness Federation of Canada™ (HFFC) who are insured through the HFFC Insurance Program, brokered by BMS.

Protection that keeps pace.

These included services help protect your practice, support your clients, and give you peace of mind every day.

Coverage that performs.

Expand your coverage.

Supplement your policy to cover every angle of your practice.

More ways to protect you and your family.

Add extra coverage to safeguard what matters most in your personal life.

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United Kingdom
BMS Group
One America Square, London EC3N 2LS, UK
+44 (0) 2074 807 288
© 2025 BMS Group

Apply for coverage.

Please send this application to HFFC at applynow@thehffc.ca or thehffc@gmail.com.

Professional Liability Insurance.

Because your practice deserves professional protection.

Professional Liability insurance (PLI) protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a Certified Fitness Professional or Kinesiologist.

From patient complaints to legal claims, issues like confidentiality breaches, defamation, or allegations of improper care can arise — even if they’re unfounded.

Professional Liability Insurance gives you the financial and legal backing you need, so you can focus on helping your patients without worry.

E-Services

Delivered in Canada and worldwide.

Whether you connect with your clients or patients through Skype, tele-video conferencing, text, phone, or email - rest assured that you are protected when providing services to your clients who are unable to meet with you in person.

Retirement / parental leave

Coverage continues through parental leave or retirement.

The HFFC policy includes 1 year of Extended Reporting Period (ERP) coverage at no extra cost (5 years for Kinesiologists), protecting you against claims from past incidents after you retire or stop practicing.

Pro bono legal services

Receive access to pro bono legal advice.

Participants have access to a free, confidential professional helpline offering dedicated legal advice on a wide range of practice issues, including privacy and confidentiality, conflicts of interest, third-party information requests, regulatory inquiries, subpoenas, professional misconduct, and ethical obligations.

Gowlings Pro bono Legal Advice:
xxx

Regulatory legal expenses

Coverage for legal costs related to responding to a complaint or appearing at a disciplinary hearing before a regulatory organization or agency.

Criminal defence reimbursement

Reimburses defence costs for Criminal Code cases arising from professional services rendered in Canada, provided the insured is found "not guilty".

Sexual abuse therapy fund

Some policies include funding for the rehabilitation and therapy of a person who, while a patient or client, suffered abuse in the course of an insured member’s professional practice.

Loss of earnings

Replaces income you lose if you’re unable to work due to a covered claim, investigation, or legal proceeding.

Libel and slander

Provides coverage if you are legally challenged for written (libel) or spoken (slander) statements that harm someone’s reputation.

Breach of copyright

Coverage for claims in connection with an actual or alleged breach of patent, design, trademark, trade name or copyright.

Extended reporting period

Automatically receive 1 year of extended reporting at no charge (5 years for Kinesiologists) for professional liability claims that are first discovered and filed after you have retired and/or discontinued practice.

Report a claim.

Individual and Business Professional Liability claims

Contact Crawford & Company at 1-877-805-9168 or email BMSclaims@crawco.ca.

Cyber Security & Privacy Liability claims and Data Security Breaches

To report a claim, contact Beazley at claims.canada@beazley.com.

To access Breach Response Services, please email bbrcanada@beazley.com or call 1-844-778-5950.

Employment Practices Liability claims

Contact Berkley Canada at claims@berkleycanada.com.

Personal and/or Business Legal Solutions claims

Call ARAG at 1-877-255-4269 (English) or 1-888-845-5205 (French).

24 Hour Accident & Critical Illness claims

Contact BMS at 1-844-583-7747 or IPG through LionsGateUW@ipgclaims.com.

Legal Expense for Insurance Audits

For legal costs associated with having to respond to an investigation, inquiry or audit from an insurance company or benefit provider.

Business Professional Liability

Protects your business and its assets if the business is named in a statement of claim or lawsuit.

Commercial General Liability

Protects you against claims for injury or property damage arising from your business operations or premises.

Business Package

A Business Package through BMS typically includes CGL, and coverage for property/contents, crime, and business interruption.

Cyber Security & Privacy Liability

To manage the risks of holding sensitive personal data and reduce reputational damage from a data breach.

Business Legal Solutions

Covers legal costs for matters such as employment protection, auto legal defence, contract disputes, debt recovery, tax issues, and property or injury claims.

Personal & Family Cyber Protection

Covers identity theft, cyber extortion, and cyberbullying, with expert recovery support and proactive monitoring to strengthen your digital security.

Legal Services Package

Access to a legal helpline, document templates, lawyer support, and expert guidance for identity protection and HR matters.

Personal Legal Solutions

Covers legal costs for contract, tenancy, and vehicle disputes, licence defence, personal injury, property, and tax matters.

24 Hour Accident Coverage

Provides a lump-sum benefit for accidental death or permanent total disability.

Critical Illness Insurance

Covers costs of critical illnesses, providing a tax-free lump-sum payment for one of 30 covered conditions.

Travel Insurance

Covers medical emergencies, hospital care, ambulance, and accidental dental treatment while traveling.

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