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If someone is injured in a workout you are overseeing, they can bring a lawsuit against you. General liability can cover both the lawsuit and the medical expenses.
If a client injures their back as a result of your increasing the intensity of their workout, they can bring a lawsuit against you to obtain reimbursement for their medical bills & lost wages. Professional liability can cover both the legal fees and potential damages of the claim
Business Personal Property
If the property used for your business is damaged in a fire or stolen, you can be covered for its replacement.
Data Security/Cyber Liability
If your computer is hacked and your client's information is stolen, most states require that you notify each client in writing & supply credit monitoring. Cyber liability can cover the costs and guide you through the process.
Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.