I have my own insurance as a Trainer, however I’ve been asked by a gym to list them as “additional insured” if I work for them as a 1099. I’ve only worked for gyms as an employee and never had to list them on my insurance since they have their own. Don’t all gym have to have insurance themselves? (this is a franchise gym – not a mom/pop shop).
Hey Denise. Same as LaRue’s comment essentially, as a studio owner for many years and an independent contractor training out of multiple gyms prior to opening my own, it is pretty standard practice. Of course every state is different, but it never hurts to simply ask the company your insurance is through on their perspective.