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Excess Liability Insurance and Umbrella Coverage provide extra protection for your assets and property above and beyond any existing coverage you may already have in place. Sports & Fitness Insurance Canada has been a leading expert in the Sports & Fitness and Health & Beauty industries for many years. But we decided to bring our high level of customer service and innovation to other markets to fill gaps in their coverage and provide extra financial security. 

Our Excess Liability Insurance and Umbrella Coverage are now available to a wide array of businesses – not just Health Clubs and Spas!  Have a fast food restaurant or retail business that is looking for an umbrella policy?  A stand-alone premises where your landlord is requesting a higher limit?  We’ve got you covered!


The primary purpose of liability insurance is to protect policyholders from having to pay large sums of money out of pocket in the event of a covered loss. It provides peace of mind and financial security by ensuring that if an accident or lawsuit occurs, the insurance company will handle the legal expenses and compensate the injured party, up to the policy limits.

Liability insurance comes in various forms, including personal liability insurance, business liability insurance, and professional liability insurance. Personal liability insurance covers individuals for accidents or injuries that occur on their property or as a result of their actions. Business liability insurance, on the other hand, protects businesses against claims made by third parties for bodily injury or property damage. Professional liability insurance, also known as errors and omissions insurance, is specific to certain professions and covers claims related to professional negligence or mistakes.

However, it’s important to note that liability insurance has certain limits and exclusions. This means that the policy will only cover up to a certain amount, and some types of damages may not be covered. This is where excess liability and umbrella policies come into play. Sports & Fitness Insurance Canada’s umbrella and excess policies have certain exclusions such as abuse and professional liability.


Excess Liability Coverage

To provide an additional layer of protection above and beyond the limits of your existing liability insurance policies, we offer Excess Liability Insurance. While basic liability insurance covers you up to a certain limit, excess liability insurance steps in to provide coverage beyond that limit, ensuring you are not left financially vulnerable in the event of a large claim or lawsuit.

Sometimes landlords may require specific coverage limits which your existing commercial general liability policy may not provide. For instance, a Landlord may require 10 Million of liability coverage but your existing policy only provides 5 Million. We can increase your existing policy coverage, based on your current liability wording, by an additional 5 Million to satisfy the requirements of your lease.


Umbrella Coverage

Similar to excess liability insurance, umbrella coverage provides an extra layer of protection beyond the limits of your existing insurance policies. However, umbrella coverage differs in that it can provide coverage for multiple types of liability, including personal liability, auto liability, and even some types of business liability.

One of the great advantages of umbrella coverage is its low cost. Sports & Fitness can offer a low-cost umbrella policy which can provide an additional 5 Million of protection over the current liability policies for low to medium-risk companies. Typically, umbrella insurance policies can be subject to a $5,000 minimum premium but we can offer much less expensive policies depending on the type of risk.

Benefits of Excess Liability and Umbrella Coverage

Excess liability insurance and umbrella coverage offer a multitude of benefits to businesses looking to maximize their protection.


Consider adding these valuable policies to your insurance portfolio to maximize your coverage and protect what matters most to you.


Who Should Consider Excess Liability and Umbrella Coverage with Sports & Fitness Insurance Canada?

Approved Operations

Declined Operations

Business owners should strongly consider excess liability insurance and umbrella coverage. The risks associated with accidents or injuries on your premises or as a result of your operations can be significant. These insurance policies can provide the necessary funds to cover legal fees, settlements, or judgments, ensuring that your business remains financially secure.


Moreover, those looking for cost-effective solutions should not overlook excess liability insurance and umbrella coverage. These low-cost insurance policies offer higher coverage limits at a fraction of the cost of increasing the limits on individual policies. If you want to maximize your protection without breaking the bank, these policies are an excellent option.



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We offer unique insurance policies custom made for your industry!

Sports & Fitness

Sports & Fitness

We offer insurance coverage to Health Clubs, Personal Training Studios, Individual Trainers, Teams and Leagues, Dance and Martial Arts Studios, Special Events and more!

Health & Beauty

Health & Beauty

From Beauty Salons, Esthetic Spas, Tanning Studios, and Wellness Centres to Nordic Spas, we provide specialized insurance coverage to a variety of personal service providers.


Explore our Frequently Asked Questions section.