I am starting a gym and need to know what type of coverage I’ll need. Classes offered are Crossfit, Yoga, Cardio Kickboxing, and Zumba, with the potential of renting out space for a Judo class. Do I need the Health Club Liability Insurance or the Group Fitness Insurance since these are all instructor lead group classes. No open gym or unsupervised access. There are also no large machines like treadmills, ellipticals or anything of that nature.