If you hire a front desk team or coaches on payroll, you almost certainly need workers’ compensation. In most states you can buy it from a private insurer. In four states you can’t. NEXO Insurance Services has insured over 20,000 fitness professionals since 2005, and gym owners in these four states ask us the same […]
Read MoreAuthor: Mike Baker
Yoga studio insurance is the group of policies that protects a studio from the claims and losses that come with opening a room full of students: injuries, damage to the space, stolen or broken equipment, and complaints about your teaching. Most new owners need general liability, professional liability and property coverage on day one, plus […]
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Yoga insurance cost depends on two things: who is buying (an independent teacher or a studio) and how much risk the insurer sees in the way you teach. For most independent teachers, a liability policy is an affordable yearly expense. For a studio, the price varies far more, mainly with payroll, square footage, property values […]
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Barre instructor insurance protects you when a student says your class, your cueing or the setup in your room caused an injury. Most barre teachers need general liability for accidents, like a barre pulling loose from the wall, and professional liability for claims about instruction, like knee pain from deep plié pulses. If you teach […]
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Pilates instructor insurance protects you when a client says your teaching, your cueing or the equipment in your session caused an injury. Most instructors need two parts: professional liability for claims about instruction, and general liability for accidents like a client slipping off a carriage or tripping over a box. If you teach on a […]
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Dance teacher insurance is liability coverage that protects you when a student gets hurt in your class or says your teaching caused harm. If you teach as an independent, the studio’s policy usually doesn’t cover you, so you need your own. It also gives you the certificate that studios, schools and community centers ask for […]
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BJJ injuries are a normal part of a sport built on live rolling, but for a gym owner, each one is also a possible claim. The most common are knee, elbow, neck, finger and shoulder injuries, plus skin infections from shared mats. Most are nobody’s fault. The ones that turn into lawsuits usually involve something […]
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1099 vs W2 comes down to control: a W2 employee works under your direction, on your schedule, using your methods, while a 1099 independent contractor runs their own business and decides how the work gets done. In gyms, studios, and martial arts schools, the line gets blurry fast, and getting it wrong affects taxes, workers’ […]
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Most boxing injuries in a gym are hand and wrist injuries from bag and mitt work, shoulder strains, cuts, and head knocks during sparring. For a gym owner, the injury itself is only half the story. The other half is whether the member blames the gym, and which policy pays the medical bills and the […]
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A slip and fall lawsuit is a premises liability claim where someone says they were hurt because a property owner or tenant didn’t keep the space reasonably safe. In gyms and studios, the usual causes are wet floors by the showers, sweat on rubber flooring, loose mats, cables, and dropped equipment. NEXO Insurance Services has […]
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