A martial arts waiver is a signed agreement where a student accepts the risks of training and gives up some right to sue your school over ordinary accidents. A good one covers sparring and contact, medical consent, photo use, school rules and parent signatures for minors. It lowers your risk. It doesn’t remove it, and […]
Read MoreAuthor: Mike Baker
Boxing coach insurance protects an independent coach when a client gets hurt or says your coaching caused harm. For most coaches, that means general liability plus professional liability, with a clear answer on whether sparring is covered. If you rent gym time, the gym will also want a certificate before your first session. This guide […]
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Most Muay Thai injuries in a gym are shin and foot injuries from kicks and checks, knee and elbow knocks, neck strain in the clinch, and cuts or head knocks in sparring. For the gym owner, each one is also a possible claim. The question is whether the gym gets blamed, and which coverage pays […]
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Workers comp for independent contractors starts with a simple rule: your gym usually doesn’t have to cover true independent contractors under its workers’ comp policy. The catch is the word “true.” If a coach you pay as a contractor is really an employee under your state’s rules, your gym can owe workers’ comp for them […]
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Personal trainer insurance cost depends on where you train, who you train, how you train and how much coverage you buy. For most independent trainers it’s affordable, usually far less than a single claim would cost to defend. The price moves with in-home and outdoor sessions, online clients, small groups, specialties like boxing or prenatal […]
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Spin instructor insurance protects you when a rider gets hurt in your class and blames your setup, your cues or your intensity. Most indoor cycling instructors need general liability and professional liability, and many studios won’t put you on the schedule without a certificate showing both. If you teach at more than one studio, you […]
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Premises liability is the legal responsibility to keep the space you own or control reasonably safe for the people you invite in. For a gym or studio, that means members, drop-in guests, parents in the lobby and the delivery driver at the back door. If someone gets hurt because of a hazard you knew about, […]
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The declarations page is the summary at the front of your insurance policy that shows who is covered, for how long, for what, up to what amount, and which forms make up the rest of the policy. Read it first, every time you buy or renew. Most coverage problems a gym owner or trainer could […]
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Replacement cost vs actual cash value is the difference between getting paid what it costs to buy new equipment today and getting paid what your old equipment was worth after years of wear. Replacement cost pays to replace damaged property with new property of similar kind and quality. Actual cash value pays that amount minus […]
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Dance Studio Insurance: The Risks Owners Miss and What Covers Them Dance studio insurance protects your business when a student gets hurt, a parent files a claim, equipment is damaged or an event goes wrong. Most studio owners buy a policy when they open and don’t look at it again. But a studio changes every […]
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