Health Clubs Basic Service Insurance

Health club insurance solutions designed for membership-based health and fitness clubs with annual sales of $2 million or less.

Download Application

K&K offers tailored health club insurance for facilities providing essential fitness services and programs.

Coverage includes:

Liability protection for workouts, classes, and equipment use
Coverage for amenities like saunas, courts, and group fitness classes
Options for 24-hour access facilities

Annual revenue must be $2,000,000 or less (excluding revenue for initiation/sign-up fees) on a per-location basis. 24-hour facility options available. Heath clubs that don't qualify under this program may be eligible for our Full Service, Limited Service, or Fitness Studio programs

What is eligible for this program?
Including but not limited to:
Health Clubs
Fitness and Training Centers
Gyms
Exercise Clubs
CrossFit Affiliate Facilities
What is not eligible for this program?
Health clubs with annual sales greater than $2,000,000
Blood Analysis
Climbing walls
Dance facilities
Drop-off childcare services
Full-size trampolines
Gymnastics and/or cheer facilities
Martial Arts Facilities
Medical, therapy, or health care services
Physical therapy, physicals, or stress testing
Sports medicine, rehabilitation, and/or therapy services
Insurance coverages available
General Liability
Products-completed Operations
Personal and Advertising Injury
Bodily Injury to Participants
Professional Liability
Damage to Premises Rented To You
Medical Expense Limit
Hired Auto and Employers’ Nonownership Liability (Not provided in IL, LA, UT, VT and WI)

Optional Coverages
Inland Marine
Supplies and Inventory
Equipment and Contents
Improvements and Betterments
Sign
Abuse, Molestation or Exploitation Defense Reimbursement Coverage
Liquor Liability
Excess Liability
Liability for Independent Contractor (non-employees)
Sexual Abuse or Sexual Molestation Liability
What do I need to apply?
To apply for coverage through this program, please complete the appropriate PDF application and submit as directed in the application. Coverage is subject to underwriting, may not be available to all applicants in all states, and may vary by state. It is important to carefully review the terms and conditions of any insurance quotation. Please contact a K&K representative if you have any questions.
K&K applications
Deposit payment by check or credit/debit card

Applications

Please click on the link below to download an application and check your download folder to find the PDF application document. Please open the form using Adobe Acrobat Reader before filling it out. Do not complete the form using a web browser, Preview (Mac), or iPhone/iPad Mail, as this may lock the file when returned. For the free version of Adobe Acrobat Reader, please click here.

Individual Applications

Basic Service Health Club Enrollment Form
This brochure is valid for effective dates of 1/1/2026 through 12/31/2026
Certificate of Insurance Request Form
RPG Inland Marine Quote Request Form for Facilities

Did you know?

The Basic Service Health Club Insurance Program offers coverage for associated exposures including:

Group exercise classes
Massage
Nursery, baby-sitting
Nutritional weight control
Personal training
Pilates
Pro shops
Saunas and steam rooms
Snack and juice bars
Tanning
Whirlpool/hot tubs
Yoga

Phone

800-648-6406
Email

Email us

What is K&K's basic service health club insurance?

K&K’s Basic Service health club insurance is designed for gyms, fitness centers, and health clubs with annual revenue of $2 million or less per location, offering a broad range of fitness services and amenities.
What does K&K's basic service health club insurance cover?

Insurance may include general liability, participant liability, and professional liability, along with protection for workouts, classes, and equipment use. Optional coverages such as liquor liability and abuse defense may also be available.
What types of facilities qualify for K&K's basic service health club insurance?

Eligible operations include health clubs, fitness centers, gyms, and training facilities that offer services such as group fitness classes, strength training, and cardio equipment access.

Health Clubs & Fitness

Coverage that fits – programs for health clubs, fitness facilities, exercise studios, and fitness instructors.

Learn More
Full Service Health Club Insurance

Liability and property insurance for full-service health clubs, racquet clubs, and athletic training facilities.

Learn More
Limited Service Health Club Insurance

Liability and other optional coverages for limited service health clubs with annual sales of less than $500,000.

Learn More

Health Clubs Basic Service Insurance

Program Highlights

What is eligible for this program?

What is not eligible for this program?

Insurance coverages available

What do I need to apply?

Applications

Did you know?

Contact Information for Health Clubs Basic Service Insurance

Phone

Email

Ready to get started?

Frequently Asked Questions

What is K&K's basic service health club insurance?

What does K&K's basic service health club insurance cover?

What types of facilities qualify for K&K's basic service health club insurance?

Why choose K&K?

Related Programs

Health Clubs & Fitness

Full Service Health Club Insurance

Limited Service Health Club Insurance

Disclaimer