Fitness and Wellness Business Insurance in Tennessee

Business types with their own guide

• Personal Trainer Insurance Client injuries during workouts, and more. Read the personal trainer insurance guide.
• Gym and Fitness Studio Insurance Member injuries on equipment, and more. Read the gym and fitness studio insurance guide.
• Yoga Instructor Insurance Injuries from poses or adjustments, and more. Read the yoga instructor insurance guide.
• Martial Arts School Insurance Sparring injuries, and more. Read the martial arts school insurance guide.
• Dance Studio Insurance Student injuries during class, and more. Read the dance studio insurance guide.
• Sports Coach Insurance Player injuries, and more. Read the sports coach insurance guide.

More fitness and wellness businesses

These business types share many of the same risks. Each has a short overview below.

Golf instructor

Golf pros teach at courses and ranges, where a stray club or ball can hurt someone. Many courses ask instructors for their own general and professional liability certificates.

Indoor cycling instructor

Cycling instructors lead high-intensity classes where heat and exertion injuries can happen. Professional liability for instruction and general liability are common, and gyms often require proof.

Referee, umpire, and sports official

Officials can face claims from players, coaches, or spectators, and sometimes need coverage required by leagues. Ask about general liability designed for officials.

Gymnastics and tumbling center

Gymnastics centers have higher injury exposure and work mostly with kids. General liability, accident coverage for participants, and abuse and molestation coverage are central, and pricing depends heavily on activities.

Health and wellness coach

Wellness coaches give advice on habits, nutrition, and goals. Professional liability is usually the core coverage, since claims tend to be about advice rather than physical injuries.

Coverages common in fitness and wellness

• General liability Helps if your business is blamed for injuring someone or damaging their property, and usually pays for a legal defense.
• Professional liability (E&O) Covers claims that your advice, design, or professional service caused a client a financial loss.
• Business owner’s policy (BOP) Bundles general liability with coverage for your business property, and often business income, for many smaller businesses.
• Tools and equipment (inland marine) Covers tools and gear that travel to job sites or customer locations, or sit in your truck.
• Abuse and molestation coverage Addresses a serious risk for businesses that care for or teach children or vulnerable adults. Often excluded unless added.
• Workers’ compensation Pays medical bills and lost wages if an employee is hurt on the job, and includes employer’s liability.

All coverage is subject to underwriting and policy terms. Not every business needs every coverage.

Tennessee rules to know

Workers’ comp. Most Tennessee employers outside construction and coal mining must carry workers’ compensation once they have five or more employees, full- or part-time, per the Tennessee Department of Labor and Workforce Development. Even below that number, many owners choose to carry it.

We can review your requirements and help you shop workers’ compensation and other coverages, subject to underwriting.

Certificates of insurance

Landlords, clients, venues, and general contractors often ask for a certificate of insurance before you start. If they want to be an additional insured, the policy usually needs an endorsement. Our certificate of insurance checklist explains what to check.

Related guides

• All business types
• Business insurance in Middle Tennessee
• General liability insurance
• Small business insurance checklist (PDF)
• Starting a business in Tennessee
• General liability vs. professional liability