Fitness Facilities and Fitness Instructors of all kinds have a unique exposure to risk that most other businesses do not. 
Things to consider if you run a Fitness Facility:
• Professional Liability (Errors & Omissions)Coverage
• Are you obtaining a copy of Insurance from contracted trainers/instructors?
• Is your equipment properly protected?
• Do you post workouts / advice on line?
• Do you sell anything? Ie. Clothing, diet plans, supplements? 
• Do you carry the appropriate insurance for your operations?
Things to consider if you are a Fitness Trainer/Instructor:
• Are you a contracted trainer? Or are you employed by a Facility?
• Do you carry the appropriate insurance via requirements of the studio(s)/facility(ies) you work at?
• Does the facility you work in cover you? Are you sure?
• Do you carry Professional Liability Coverage (Errors & Omissions)?
• Do you post workouts / advice online?
• Do you carry the appropriate insurance for your operations?
Jenn Bishop
Sports Risk Advisor