Healthcare and Wellness Insurance
Do personal trainers need liability insurance?
Safeguard your care or wellness practice with Healthcare & Wellness Insurance through Gild’s trusted partners. Whether you’re a therapist, counselor, acupuncturist, personal trainer, or home health aide, we help you find the right insurance to protect your work, clients, and reputation. From solo practitioners to small gyms and studios, our partners offer tailored coverage options for mental health professionals, fitness coaches, occupational and speech therapists, and more. Stay focused on helping others, while staying protected from liability, accidents, or unexpected challenges.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Why Does My Business Need Healthcare and Wellness Insurance?
Certain business insurance coverages are required by state or federal law to protect employees and the public from business related risks.
The following business insurance types may be mandatory for your business:
- Workers Compensation Insurance: Required if you have employees. This covers medical bills and lost wages for work-related injuries.
- Commercial Auto Insurance: Required if your business owns or operates vehicles. This covers injuries and property damage related to your business’ vehicles.
- General Liability Insurance: Often required to obtain or renew certain licenses in trade, service, and professional industries.
- Professional Liability Insurance (Errors And Omissions Insurance) : Commonly required for real estate agents, health and wellness practitioners, and lawyers to protect against claims of professional errors.
The best way to find the right healthcare and wellness insurance is with a free, online quote!
What Is The Right Insurance For My Business?
Learn more about your business’ risks, select tailored insurance solutions, and explore the types of businesses Gild can insure:
- Food and Beverage
- Building and Construction
- Beauty and Salon
- Professional Services
- Facility Services
- Retail and Shops
- E-commerce and Online Retail
- Marketing, Media, and Communications
- Manufacturing
- Pet Services
Get A Quote For Business Insurance Today!
With Gild Insurance, you’re not just getting a policy, you’re getting a partner who understands the unique challenges of running a small business. Together, we learn about your operations, tailor coverage to your specific risks, and help keep your business growing.
Frequently Asked Questions
Yes—liability insurance is essential for personal trainers:
- General liability protects against client injuries during sessions.
- Professional liability covers claims of negligence or improper guidance.
- Many gyms require proof of liability insurance before you can work with clients on-site.
- Liability coverage protects both your income and reputation from costly legal claims.
Gild makes it fast and affordable to get the liability protection you need to train with confidence.
What does Pilates instructor insurance cover?
Typical coverage includes:
- Client injuries and legal claims resulting from workouts or apparatus usage
- Negligence or professional mistakes, such as unsafe instruction or technique guidance
- Damage or loss of studio equipment and rented space
- Product issues, including allergic reactions or equipment failure
- Studio closures from unexpected events, with income replacement on some BOPs
With Gild, you get robust protection, so you can focus on your Pilates practice—not the paperwork.
What Insurance Does an Acupuncturist Need?
A tailored insurance package for licensed acupuncturists should include:
- Professional Liability Insurance — Covers claims stemming from treatment outcomes, needle injuries, or scope-of-practice issues.
- General Liability Insurance — Protects against accidents like client slips or property damage in your clinic.
- Commercial Property Insurance — Covers your tools, equipment, furniture, and clinic space in case of damage or theft.
- Workers’ Compensation Insurance — Required if you employ assistants or staff.
Gild helps acupuncturists build a tailored insurance plan so you can treat clients and grow your practice confidently.
Let's Get The Best Insurance For Your Business!
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