the options on www.ideafit.com seems to be a sound choice as well.

my homeowners covers everything, it should as my agent is also a
student...

i also carry the general liability insurance as well, as i am
required to professionally as a repo/collection agent and
instructor. that coverage costs $319.00/year. i know with the
general liability, that does travel with me and maintains $100,000
liability. this insurance covers me comprehensively in illinois and
missouri, as i work and teach in both states.

always good to refer to your agent for your homeowners & i can refer
you to my agent for the other. but as i said it looks like the
ideafit homepage offers additional options for you. as they are in
the personal training specialization, this might be something even
better.

mr finder "stickman", you'll find will have good advice and alot of
experience to draw from as well. he is a great resource we have
available to us. as is khalid khan and others you will become
familiar with...

respects,

panginoon guro mike