It recently came up here that some personal training insurance doesn’t cover in home studios. I am in the process of making sure my insurance covers my services anywhere. The initial statement from the insurance company was that my services are covered anywhere, but things like falls that occur outside of the training would not be covered. But that they should be covered on homeowner”s insurance. I am waiting for confirmation of this. So, it would appear that the catch is that our insurance doesn’t cover anything that happens when the client is not actually training, like getting in and out of our location. That would be covered on the property insurance for your home (maybe) or the building where you have your gym, etc.