Liability insurance is essential for covering your bases but you may want to add other types of business insurance to protect yourself, your work vehicles and your employees.
We typically recommend:
Commercial Auto insurance
Your personal car insurance might not cover you if you get in an accident while driving for business services. Consider buying commercial auto insurance if you offer classes at different locations or if you drive regularly to events.
It’s required for vehicles that are owned by your business.
Learn more about commercial auto.
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.
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