Gyms offering childcare need specific policies covering child-related injuries and risks, including staff issues and supervision.
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Implement safety audits, train staff, maintain equipment, and adjust deductibles. Regularly review policies to match current business needs and keep costs in check.
Small studios, like yoga or pilates, should have professional liability for instruction-related claims and general liability for on-site injuries. Property insurance is also key for equipment and space. [...]
Larger gyms need more comprehensive insurance due to increased equipment and customer volume. This includes higher liability limits and possibly umbrella insurance for extra protection.
