Insurance coverage for Fitness & Wellness

• Do personal trainers need insurance?

  It depends on your employment status, not your training location. W-2 trainers generally work under the gym's coverage; independent contractors don't — gyms require contractors to carry their own policy and show a certificate of insurance, often naming the gym as additional insured. Garage, park, and online training leave your policy as the only one in the room.

• What insurance do I need for a salon?

  It depends on which business you are. The salon owner insures the premises and the staff — a business owner's policy plus workers' comp and professional liability. A booth renter is, in the IRS's own framing, an independent business that needs its own coverage, because the owner's policy stops at the chair.

• What insurance do I need to open a gym?

  Plan on general liability plus commercial property for the equipment and buildout — often as a business owner's policy — workers' comp under your state's rules, and a system for collecting certificates from independent trainers. A signed waiver replaces none of it: a waiver is a defense you argue after you've been sued, not coverage.

Liability questions for Fitness & Wellness

General liability, E&O, D&O, and employment practices questions live on our sister publication: Fitness & Wellness on pleasedontsue.us.