I agree with Karin and Susan. Unfortunately this problem exists in every state. If you want to be a respectable business owner and a trustworthy trainer, I would advise you to have both the certification and liability insurance. Even if there are no requirements from your state to have a certification and/or liability insurance, I would still get those because the benefits from having them are significant. You can check around for the right liability insurance for you and I’m sure each one has its own requirements, which you have to meet so you can qualify for their programs.