Weight Loss Clinic Insurance: Quotes From $40/mo

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While reducing weight makes you feel and look good, this isn’t the motivation for all. Some want to burn calories to improve underlying bodily conditions such as hypertension and heart problems. Gyms don’t have the expertise to help such individuals. This is where weight loss clinics, equipped with dieticians and medical fitness specialists, come in. 

Owning and operating a weight loss clinic involves many risks and potential liabilities. Your business’s personal trainer faces an abuse and molestation lawsuit. It’s also possible for your clinic to face legal action for inaccurate advice. Of course, fitness equipment can require costly repairs. 

Therefore, protecting your business with the right insurance policies is very important. Weight loss clinic insurance is designed to cover the unexpected.  This article will discuss the different types of insurance policies available for weight loss center insurance. We’ll also provide estimated costs and review some of the best insurance companies. 

General Liability Insurance for Weight Loss Clinics

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance provides financial protection against bodily injury, property damage, and advertising injury claims. This weight loss clinic business insurance policy is designed to help weight loss clinics cover the costs associated with legal fees, medical expenses, and settlements resulting from accidents or incidents that occur on their premises or as a result of their business operations.


Coverage Limits of General Liability Insurance for Weight Loss Clinics

The coverage limits can range from $500,000 to $2 million, depending on the specific needs of the clinic and the risks associated with its operations. 


Specific Situations Where This Insurance Can Help

  • Slip-and-fall accidents can occur in various settings, such as businesses, public spaces, or private properties. If a customer or visitor slips and falls on your business premises due to a hazardous condition, such as a wet floor or uneven surface, it can result in injuries. In such cases, your general liability insurance can come to the rescue

  • Property damage can arise from various situations, whether accidental or due to uncontrollable events. For instance, if you or your employees accidentally damage someone else’s property while conducting business operations, your general liability insurance can cover repair or replacement costs

  • Advertising injury refers to instances where your advertising or marketing activities unintentionally cause harm or infringe upon the rights of others. This can include copyright infringement, defamation claims, or invasion of privacy

Add-Ons to General Liability Insurance for Weight Loss Clinics 

  • Product liability insurance–This add-on to the general liability coverage of your weight loss centre insurance can cover claims arising from injuries or damages caused by the weight loss clinic’s products

  • Cyber liability insurance–Covers claims arising from data breaches, cyber-attacks, or other cyber-related incidents

What is Not Covered by General Liability Insurance for Weight Loss Clinics?

The policy ]does not cover claims for employee injuries or illnesses, damage to the clinic’s own property, or intentional acts of harm. For these types of risks, weight loss clinics may need to purchase additional insurance policies, such as workers’ compensation insurance or property insurance.


Professional Indemnity Insurance for Weight Loss Centres

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


Professional indemnity insurance for weight loss centres covers claims for negligence, breach of contract, violation of good faith, inaccurate advice, and other covered perils. This covers legal expenses, settlements, and judgments should a third party file a claim. Also called medical malpractice insurance for weight loss centers, you avail this policy as a claims-made or occurence coverage. 


Product Liability Insurance for Weight Loss Clinics

Product liability insurance for weight loss centres provides coverage against claims arising from defective or harmful products they manufacture, distribute, or sell. In the context of weight loss clinics, product liability insurance would protect the clinic from claims related to products sold by the clinic, such as dietary supplements, vitamins, or other weight loss products.


Coverage Limits of Product Liability Insurance for Weight Loss Clinics

Product liability insurance limits can vary depending on the size and nature of the business. The range can typically be anywhere from $100,000 to $1 million.


Specific Situations Where This Insurance Can Help

  • Product recalls can occur when a manufacturer or seller discovers a defect or potential hazard in their products and decides to remove them to prevent harm to consumers

  • Allergic reactions can happen when individuals have adverse reactions to certain substances or ingredients in products. In the context of businesses, this can involve products such as food, cosmetics, or medications

What Factors Can Affect the Cost of Product Liability Insurance for Weight Loss Clinics?

The cost of product liability insurance for weight loss clinics can dIffer on several factors, including the type of products sold, the size of the business, the number of employees, the business’s location, and the business’s claims history. 

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Commercial Property Insurance for Weight Loss Clinics

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


This policy protects your business property from damages caused by covered events such as fire, theft, or natural disasters. It covers the building, equipment, furniture, inventory, and other assets used in your weight loss clinic.


Coverage Limits of Commercial Property Insurance for Weight Loss Clinics

The coverage limits range between $500,000 and $5 million, depending on the size of your business and the value of your assets.


Specific Situations Where This Insurance Can Help

  • Property insurance typically covers damages caused by fire, lightning, and other covered perils. Suppose your property, such as a building or its contents, is damaged or destroyed due to a fire, lightning strike, or other covered events like explosions or smoke damage. In that case, commercial property insurance can help cover the costs of repair, restoration, or replacement

  • Theft coverage is typically included in property insurance policies. Insurance can cover the stolen items if your business property, inventory, or equipment is stolen. This can include reimbursement for the value of the stolen goods or the replacement cost

  • Defacement coverage falls under property insurance or a specific endorsement known as “vandalism and malicious mischief.” Suppose your property is intentionally defaced or vandalized, such as graffiti or intentional destruction of property. Commercial property insurance can help cover the costs of repairing or restoring the defaced areas

Add-Ons to Commercial Property Insurance for Weight Loss Clinics

  • Equipment breakdown coverage covers the repair or replacement costs of equipment that breaks down or malfunctions

  • Flood insurance is a specialized insurance policy that covers property damage and losses caused by floods. Standard commercial property insurance policies typically exclude coverage for flood-related damages, so it’s crucial to obtain separate flood insurance if your business is located in an area prone to flooding

  • Earthquake insurance is a type of insurance policy that covers damages to property caused by earthquakes. Earthquakes can result in severe structural damage, destruction, and business interruptions

Are There Any Exclusions or Limitations to Commercial Property Insurance for Weight Loss Clinics?

There are exclusions and limitations to commercial property insurance. Common exclusions include damages caused by earthquakes, floods, or other natural disasters. Reviewing your policy carefully and understanding what is covered and what is not is essential.


A woman laying on a bed at a weight loss clinic with a machine attached to her.


Business Owner’s Policy for Weight Loss Clinics

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) combines two essential insurance coverages; general liability, and commercial property insurance. This is designed to provide comprehensive coverage for small businesses at a lower cost than purchasing each policy separately. 


Coverage Limits of Business Owner’s Policy for Weight Loss Clinics

Generally, the policy limits for a BOP policy range between $1 million and $4 million, including liability and property damage coverage.


Specific Situations Where This Insurance Can Help

  • Property damage claims that arise when your business causes damage to someone else’s property or if a covered event damages your property

  • Damage to your business’s personal property

  • Reputational damage claims due to negative publicity, defamation, or other related offenses

  • Employee theft, such as stealing money, merchandise, or intellectual property from the business. Coverage for employee theft is typically provided through a crime insurance policy

Add-Ons to Business Owner’s Policy for Weight Loss Clinics

  • Cyber liability insurance–This coverage protects against data breaches, cyber-attacks, and theft or unauthorized access to sensitive client information.

  • Medical malpractice insurance–Weight loss clinics provide specialized medical services and advice, which exposes them to potential professional liability claims. Medical malpractice insurance covers claims arising from alleged errors, omissions, or negligence in providing medical services

Can a BOP Policy Cover Loss of Income Due to a Pandemic?

Unfortunately, a standard BOP policy does not cover loss of income due to a pandemic. However, some insurers may offer endorsements to the policy to cover business interruptions caused by a pandemic or other infectious diseases. It’s always best to check with your insurer for coverage options.


Tools and Equipment Insurance for Weight Loss Clinics

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


If you own a weight loss clinic, you probably rely heavily on various tools and equipment to provide services to clients. Tools and equipment insurance protects these valuable assets from damage, loss, or theft.


Coverage Limits of Tools and Equipment Insurance for Weight Loss Clinics

The coverage limits for tools and equipment insurance can vary depending on the specific policy and the value of the insured items. Some policies may have limits as low as $5,000, while others may provide coverage up to several hundred thousand dollars.


Specific Situations Where This Insurance Can Help

  • Theft or burglary of tools 

  • Accidental damage or destruction of tools 

  • Loss of tools and equipment due to fire, natural disasters (such as hurricanes or floods), or other covered events 

Add-Ons to Tools and Equipment Insurance for Weight Loss Clinics

  • Inland marine coverage covers property in transit or not typically covered by standard property insurance. Despite its name, inland marine insurance doesn’t solely pertain to maritime activities but covers a wide range of property and equipment transported over land or kept at various locations

  • Business interruption coverage protects businesses from financial losses resulting from a temporary halt in operations due to covered events. These events may include fire, natural disasters, equipment breakdowns, or other unforeseen circumstances

Is Tools and Equipment Insurance Necessary if I Already Have a General Liability Insurance Policy?

While general liability insurance can provide some protection for damage or loss of tools and equipment, it may not provide sufficient coverage for all situations. Tools and equipment insurance is specifically designed to cover these valuable assets and can provide additional protection and peace of mind for weight loss clinic owners.


Commercial Auto Insurance for Weight Loss Clinics

Commercial auto insurance provides coverage for vehicles used for business purposes, such as those owned by a weight loss clinic. This insurance can cover damages and injuries resulting from accidents, theft, and vandalism.


Coverage Limits of Commercial Auto Insurance for Weight Loss Clinics

Some common coverage limits range from $100,000 to $1 million.


Specific Situations Where This Insurance Can Help

  • Accidents involving clinic-owned vehicles can be covered by commercial auto insurance. This type of insurance covers property damage and bodily injury liability

  • Theft or vandalism to clinic-owned vehicles

  • Vehicle damage due to collisions

Add-Ons to Commercial Auto Insurance for Weight Loss Clinics

  • Uninsured/underinsured motorist coverage is a type of auto insurance coverage that protects you if you’re involved in an accident with a driver who either doesn’t have insurance or doesn’t have insufficient insurance coverage to fully compensate you for your losses

  • Roadside assistance coverage assists in the event of a breakdown or other non-accident-related issues while on the road. This coverage typically includes services like towing, battery jump-start, tire changes, fuel delivery, and locksmith services

  • Rental reimbursement coverage is designed to reimburse the cost of renting a replacement vehicle while your clinic-owned vehicle is undergoing repairs due to a covered claim

What Types of Vehicles Are Typically Covered Under Commercial Auto Insurance for Weight Loss Clinics?

Commercial auto insurance can cover a variety of vehicles used for business purposes, including cars, vans, trucks, and trailers. In the case of a weight loss clinic, this may include vehicles used for transporting equipment or supplies and those used for patient transport.


Excess Liability Insurance for Weight Loss Clinics

Excess liability insurance is a type of insurance policy that provides additional coverage to an existing liability policy. In the case of a weight loss clinic, it would cover any costs or damages that exceed the coverage limits of the primary liability insurance policy. This can include legal fees, medical expenses, and damages awarded in a lawsuit.


Coverage Limits of Excess Liability Insurance for Weight Loss Clinics

The coverage limits for excess liability insurance differ depending on the specific needs of the weight loss clinic, but they typically range from $1 million to $10 million.


Workers’ Compensation Insurance for Weight Loss Clinics 

Workers’ compensation insurance is designed to cover medical expenses and lost wages to employees injured or ill due to their job. It is mandatory for businesses with employees in most states, including weight loss clinics. This insurance is designed to protect both employees and employers.


Coverage Limits of Workers’ Compensation Insurance for Weight Loss Clinics 

Generally, the coverage limit for medical expenses is unlimited, while the coverage limit for lost wages may vary. The coverage limit for lost wages is typically a percentage of the employee’s regular salary.


Specific Situations Where This Insurance Can Help

  • Workplace accidents refer to unexpected incidents or injuries that occur while an employee performs his job duties. These accidents range from slips, falls, or equipment malfunctions to more severe incidents like vehicular crashes

  • Illnesses caused by work-related conditions, also known as occupational illnesses, are health conditions that are directly caused or significantly aggravated by exposure to workplace hazards or occupational activities

Add-Ons to Workers’ Compensation Insurance for Weight Loss Clinics 

  • Employer liability coverage is a component of workers’ compensation insurance. It provides coverage for claims brought by employees who are injured or become ill on the job and sue their employer for damages

  • Stop-gap coverage is a type of insurance used to fill gaps in workers’ compensation coverage when a business operates in multiple states. Workers’ compensation laws and requirements vary from state to state, and some states may have exclusive state-run workers’ compensation systems

What Should a Weight Loss Clinic Do if an Employee is Injured?

The weight loss clinic should immediately provide medical attention and file a workers’ compensation claim with their insurance provider. It should also investigate the accident to determine the cause and take steps to prevent similar accidents from happening in the future.

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Weight Loss Clinic Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $46 $552 $0-$500
Professional liability insurance $49 $588 $500-$1,000
Excess liability insurance $58 $696 $500-$1,000
Commercial property insurance $87 $1,044 $1,000-$2,000
Business owner’s policy $104 $1,248 $1,500
Commercial auto insurance $63 $756 $500-$1,000
Tools and equipment insurance $61 $732 $500-$1,000
Workers compensation insurance $105 $1,260 $2,000-$5,000


The average weight loss clinic insurance cost is $46 per month or $552 per year for a $1 million general liability insurance. Factors that affect premiums are claims history, business history, policy limits, deductibles, annual revenues, and number of employees. Here’s a table showing the cost of a $1 million general liability insurance from the best companies:

Cost per Month Cost per Year Best for
NEXT $29 $348 Best overall; Fastest general liability insurance for weight loss clinics
The Hartford $35 $420 Tailored insurance solutions for weight loss clinics
CoverWallet $32 $384 Comparing weight loss clinic insurance quotes online
Tivly $36 $432 Comparing weight loss clinic insurance quotes online
Thimble $39 $468 On-demand insurance coverage for weight loss clinics
Hiscox $41 $492 Customized policies for weight loss clinics

Compare Cheap Weight Loss Clinic Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Weight Loss Clinic Insurance Companies

Ensuring adequate insurance coverage for your weight loss clinic is crucial. With many insurance providers available, selecting the most suitable for your business can take time and effort. Here are some of the companies you might want to work with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Weight Loss Clinic Insurance

Pros

  • Significant industry experience in the insurance industry

  • Fastest general liability insurance for weight loss clinics

  • Excellent customer service

  • Provides affordable business insurance policies

  • Next provides combo discounts of up to 10%

Cons

  • Couldn’t find any. 

NEXT provides various insurance coverage for businesses, including weight loss clinics. Their coverage options include general liability, professional liability, commercial auto, business owner’s policy, and other options. The best feature of Next is how they customize their policies so that various industries get appropriate coverage.

Best for: Best overall; Fastest general liability insurance for weight loss clinics

Average cost: $29 per month

Our rating: 10/10


CoverWallet Weight Loss Clinic Insurance

Pros

  • User-friendly digital platform for easy insurance management

  • Wide range of coverage options tailored to weight loss clinics

  • Quick and hassle-free application process

  • Dedicated customer support for assistance throughout the insurance journey

Cons

  • Customer service can be slow to respond to inquiries

CoverWallet offers various insurance options for small businesses, including weight loss clinics. Their coverage options include general liability, professional liability, commercial auto, business owner’s policy, and other options. They have a user-friendly online platform that allows for quick and easy quotes and policy management.

Best for: Comparing weight loss clinic insurance quotes online

Average cost: $32 per month

Our rating: 10/10


The Hartford Weight Loss Clinic Insurance

Pros

  • Above-average customer satisfaction ratings for auto insurance

  • Strong financial rating and history of quality insurance coverage

  • Offers tailored insurance solutions for businesses

Cons

  • The Hartford does not offer a separate deductible specifically for wind-damage losses

  • Obtaining life insurance through your employer is the sole option for accessing this coverage type

The Hartford is a highly regarded insurance provider with a solid reputation in the industry. They offer comprehensive insurance packages specifically designed for weight loss clinics. Their business owner’s policies include essential coverages such as general liability and commercial property insurance, ensuring comprehensive protection for weight loss clinics. Hartford also offers specialized coverage options tailored to weight loss clinics’ unique needs and risks, providing them with the necessary protection and peace of mind.

Best for: Tailored insurance solutions for weight loss clinics

Average cost: $35 per month

Our rating: 9/10


Tivly Weight Loss Clinic Insurance

Pros

  • Innovative and technology-driven insurance solutions.

  • Flexible policies that can be tailored to the specific needs of weight loss clinics.

  • Simplified application and policy management through their digital platform.

Cons

  • Limited coverage options compared to other insurance companies

Tivly is a notable insurance company specializing in insurance coverage for weight loss clinics. With a focus on this specific industry, Tivly offers tailored insurance policies that address the unique risks and liabilities faced by weight loss clinics. 

Their coverage options provide comprehensive protection for these clinics, ensuring they have the necessary coverage to safeguard their operations. Tivly understands the specific needs of weight loss clinics and aims to provide them with the right insurance solutions to mitigate potential risks. Call now to compare quotes over the phone. 

Best for: Comparing weight loss clinic insurance quotes online

Average cost: $36 per month

Our rating: 9/10


Thimble Weight Loss Clinic Insurance

Pros

  • Easy and quick policy issuance through their mobile app.

  • Transparent pricing with pay-as-you-go options.

  • Coverage for short-term or project-based activities.

  • On-demand coverage available by the hour, day, or month

Cons

  • You can’t reach customer service by calling

Thimble is a unique insurance company that offers on-demand insurance coverage, including weight loss clinics. Their coverage options include general liability, professional liability, and other options, with policies that can be purchased by the hour, day, or month. 

Best for: On-demand insurance coverage for weight loss clinics

Average cost: $39 per month

Our rating: 9/10


Hiscox Weight Loss Clinic Insurance

Pros

  • Offers customized policies based on the specific needs of small businesses, including weight loss clinics

  • Offers flexible payment options to help small businesses manage their cash flow

  • Worldwide coverage

  • 14-day money-back guarantee

Cons

  • Limited coverage options in some states

Hiscox is a global insurance company tailored to meet each clinic’s unique needs. The company caters to various industries, including healthcare and wellness, making it a good choice for weight loss clinic insurance.

Best for: Customized policies for weight loss clinics

Average cost: $41 per month

Our rating: 9/10

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