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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Yoga studio insurance cost is driven by square footage, annual revenue, class volume, whether the studio runs teacher training, whether teachers are…
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Personal trainer insurance cost is driven by where you train, how many clients you see, the coverage limits you carry, your specializations, and your claims…
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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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Occurrence vs claims made comes down to one question: which policy pays when a claim shows up long after the incident? An occurrence policy covers incidents that happen while the policy is active, no matter when the claim is filed. A claims-made policy covers claims filed while the policy is active, as long as the […]
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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)