Do most coops allow residents to bring in outside personal trainers to the coop's gym? If so, what does the coop do to address the risk? My understanding is that the coop insurance wont cover injuries caused by any non-resident, including an outside personal trainer. Do you insist that the trainer have a large insurance policy, naming the building, etc., as an insured (similar to a moving company/contractor)? How do you ensure that the trainer maintains the required insurance?