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,