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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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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Employment practices liability insurance (EPLI) pays to defend your business when a current, former or prospective employee claims you broke employment law, like firing them unfairly, harassing them, or discriminating against them. It usually covers your legal defense plus settlements or judgments. General liability and workers’ comp don’t cover these claims, so without EPLI the […]
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An additional insured is a person or business you add to your liability policy so they get protection if they get pulled into a claim caused by your work. Gyms that rent you space, landlords, apartment buildings, schools and corporate clients ask for it because they don’t want to pay for your mistakes. Adding them […]
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Special Event Insurance for Gyms: When Do You Need It? Special event insurance is short-term liability coverage for a one-time event, like a fitness competition, open house, charity workout, or recital. Whether your gym needs it depends on where the event happens, what people do there, and who shows up. NEXO Insurance Services has insured […]
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What Is a Retroactive Date on a Liability Policy? You’re renewing your studio’s liability policy, or switching insurers, and you see a line on the declarations page: Retroactive Date. Most owners skip right past it. They shouldn’t. NEXO Insurance Services has insured over 20,000 fitness professionals since 2005, and a reset retroactive date is one […]
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General vs Professional Liability for Personal Trainers Your Trainer Says They’re Insured. General or Professional Liability? A new trainer wants to rent space at your gym. You ask if they’re insured, and they say yes. Good start. The next question matters more: insured for what? The gap we see most is a trainer who carries […]
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Here’s how to plan a yoga retreat step by step, from the first idea to the last goodbye. A yoga retreat is where a teacher’s community becomes something bigger. A weekend in the mountains, a week by the ocean, a few days at a farm upstate: students practice twice a day, eat well, unplug, and […]
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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)