To be on the safe side, you will want to contact your lawyer and business organizations in your area, such as score.org.
Congrats Oren on your exciting new venture! Without more information, I concur with everyone’s answers here. I too am a gym owner in Las Vegas and carry “all the above”! Insurance requirements do differ state to state. There is an organization in NV that helps mentor new business owners called SCORE (http://www.score.org/). See if your state has this too. They put you in contact with a business owner in your industry and they help guide you along.
Best In Health,
What’s the business model for your new gym?
Will it have paying members like a typical club setting? Or will it be more of a private studio setting where independently contracted trainers workout with their clients? Or will it be something else entirely?
Regardless of state, I’m fairly certain that the type of gym you’re opening up will determine the types of insurance you’ll need.
In addition to the link Harris provided, here’s a few from ACE’s website you might find useful: