If you’re an active coach or fitness instructor and you break your ankle during practice, some of the costs of your medical bills will be compensated if you have workers’ compensation. Owners’ coverage is specifically designed for business owners who may not have employees but want an extra layer of protection for themselves.
Note that if you don’t have workers’ comp and you are injured at work, you might not be covered by your personal health insurance.
This coverage is required for businesses with employees in every state except Texas.
Learn more about workers’ comp.