Reformers and other apparatus are covered by the property part of a studio’s policy, which is separate from the liability coverage that responds when a…
Read MoreAuthor: Andres Guzman
It can, depending on which coverages the studio carries and what the student or family alleges. General liability responds when the studio is alleged to be…
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Report it to your insurer right away, preserve every record related to the incident, and let your insurer handle communication about fault and payment.
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Usually not by the studio’s policy. A dance studio’s insurance protects the studio, and it does not protect an independent instructor, especially if you are…
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Usually yes. A studio’s policy protects the studio, and it does not protect an independent teacher, especially if you are a 1099 contractor.
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A mobile personal trainer needs professional liability and general liability on an individual policy that follows the trainer to every place sessions…
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In most cases, yes. A gym’s policy is written to protect the gym, and it does not protect an independent instructor, especially if you are a 1099 contractor.
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Most fitness policies do not name adaptive athletes at all, which is precisely the problem. Where a policy is silent, an owner cannot assume coverage…
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Participant accident insurance pays defined medical costs when someone is injured taking part in your activity, on a no-fault basis, without anyone having…
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Possibly yes. Calling an instructor an independent contractor does not by itself remove your workers’ compensation obligation.
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![A candid, natural-light photograph inside a busy, everyday community gym, illustrating the real-world hazards associated with a slip and fall lawsuit at your gym and the critical need for business protection[cite: 20]. In the lower-center foreground, a dark wet spill (puddle) is visible on the worn, dark rubber-matted floor, with a white 'CAUTION WET FLOOR' sign placed nearby to warn patrons](https://nexofit.com/wp-content/uploads/2026/10/Gemini_Generated_Image_w78s3qw78s3qw78s-150x150.jpg)