absolutely great answers, I would not work at a gym that didnt have their own
liability insurance (and ask for proof from them) common practice indeed and
wise, doesnt cost much to add gym, smart gyms name the landlord of the
building as additional insured. It should be noted that general liability
does not cover injuries to clients as a result of your training that is
Professional Liability and probably more important to protect you as the gym
is responsible for maintenance which could result in an injury

I apologize for the late reply.  It is required by all insurance companies that their insured's are listed by their independent contractors as additional insured's.  The reason for this is because the insurance company wants to subrogate against the party that is truly at fault.    Typically the charge to add an additional insured is about $150 per year.  However, depending on the company you are with there may not be a charge at at all.  Check you policy for the term 'Blanket Additional Insured'.  If this coverage is available then there will be no cost to you.     If you located in California we can arrange a policy for you.  If you have any more questions feel free to inquire.   Thanks,   Sarkis Kaladzhyan Commercial Insurance Broker    

Hi Winghart, Although it may not required by law, any fitness center would be foolish not the have its own liability insurance. However, their liability insurance would not necessary cover contract personal trainers. It seems odd that the gym in question would ask you to cover them under your insurance. You may want to talk with your State government's Insurance Department ... many of these agencies help answer specific questions from small business owners and consumers. Message Edited by BobK on 03-11-2009 08:15 PM

It sounds like the gym's insurance does not cover contractors like yourself. See our Business Insurance guide for more information, including employer requirements and insurance resources.