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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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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How Does Workers’ Comp Work? A Step-by-Step Guide for Gyms, Studios, and Martial Arts Schools How does workers’ comp work? When an employee gets hurt or sick because of their job, workers’ compensation insurance pays for their medical care and part of their lost wages, and in return the employee generally can’t sue the employer […]
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A massage therapist should carry professional liability and general liability at minimum. Therapists who own equipment need property coverage, therapists…
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Common risks in airbrush tanning businesses include skin reactions, uneven results, and property damage. Learn how to reduce liability and protect your business.
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Liability risks in animal-assisted therapy programs range from injuries to coverage gaps. Learn how to protect your practice with the right insurance.
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Start an animal-assisted therapy program with confidence. Learn requirements, risks, and insurance steps to launch safely and grow sustainably.
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Do spray tanning businesses need insurance? Learn the risks, coverage options, and how to protect your business from liability, client claims, and costly gaps.
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Understand workers’ compensation for Pilates studios. Learn how to protect your staff and studio from unexpected claims. Get started now!
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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)