Karin is correct about the business license, if that is what you are asking about. Lenora, I’m sorry you haven’t being able to get any clients yet. If you are going to work for yourself, having a liability insurance would be a very good idea (for many reasons). Have you thought about working as an employee at a local gym to start making some money? If you get hired by a gym then liability insurance would not that great of an issue. You have enough education credentials to qualify as a trainer.