Accidental employee Injuries from common, everyday activities like training demonstrations, repetitive strain injuries, workplace accidents, lifting injuries, and equipment accidents.

Workers' comp will cover medical expenses, lost wages, rehabilitation costs, disability benefits, and death benefits.

Your premium will depend on your payroll size, employee count, job classifications, claims history, and state requirements.

Yes, unfortunately every workers' comp policy is audited every year. This is because your premiums are tied so closely to employee counts and payroll amounts. If you have a policy that offers pay-as-you-go billing, this is recommended because it will automatically adjust your workers' comp payments during the year as your payroll fluctuates.

For gyms, some common workers' comp claims examples include:

• Trainer injuries: Back strains from spotting, injuries during demonstrations, repetitive movement issues, equipment-related accidents, slips and falls
• Support staff: cleaning-related injuries, front desk accidents, maintenance incidents, loading/unloading equipment, storage area accidents

Workers' comp insurance is mandatory in almost every state once you have a certain number of employees. This varies based on state requirements, so you should always double check with your state before purchasing (or deciding to forego) workers' comp insurance.

Deciding your employee count is also a key consideration. Many gyms have 1099 contractors on staff. State laws vary on whether 1099 contractors need workers' comp coverage. Some states mandate coverage for contractors who:

• Work regular schedules
• Use facility equipment
• Follow gym protocols
• Represent the business