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| Eligible Operations |
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| U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.
Note: An insured with multiple locations is eligible for this program as long as each location’s square footage is 3,000 square feet or less. For operations with locations over 3,000 square feet, contact K&K for information on other available programs. |
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Aerobics |
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Pilates |
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Children's Fitness Programs |
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Spinning |
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Dance classes |
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Tai chi |
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Gyrotonic Exercise |
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Yoga |
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Personal Training |
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| Ineligible Operations: |
| Certain studios/facilities are not eligible for this program. K&K reserves the right to decline any request for coverage. The ineligible studio/facilities include, but are not limited to the following (and are excluded from coverage): |
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24-hour key card/keypad/keycode access |
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Physical therapy |
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Unattended or unstaffed operations |
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Physicals or stress testing |
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Childcare services or facilities |
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Salon services or indoor tanning |
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Climbing walls |
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Saunas or steam rooms |
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Dance studios*, Gymnastics studios*, Martial arts studios* |
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Sports medicine |
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Facilities or operations outside of the U.S. |
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Sports rehabilitation services or therapy |
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Ice skating, roller skating or skating treadmills |
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Sports skills instructional facilities, academies, schools |
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Medical, therapy or health care services |
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or programs |
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Open access to members to utilize facility on a |
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Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge |
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self-directed basis outside of a structured program |
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* Facilities that offer programs and services that are not eligible for this program should contact K&K Insurance at 866-554-4636 or review additional programs for Health & Fitness Facilities. |
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| Liability Coverage |
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| Commercial general liability coverage protects the insured against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations and personal and advertising injury. Coverage under this program is limited only to the premises address of the studio location reported on the enrollment form. No deductible applies to liability claims. |
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| General Liability |
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Damage to Premise Rented to You |
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Bodily Injury and Property Damage |
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Medical Expense (other than participants) |
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Products-completed Operations Aggregate |
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Legal Liability to Participants |
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Personal and Advertising Injury |
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Hired Auto and Employers' Nonownership Liability |
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(not provided while in Hawaii) |
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Professional Liability |
| Optional Coverages: |
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Equipment & Contents (Inland Marine)
(not available in New Jersey) |
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Professional Liability For Independent Contractors
(Non-employees) |
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-Supplies & Inventory |
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Event Cancellation & Non-appearance |
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-Equipment & Contents |
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Medical Payments For Participants |
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-Improvements & Betterments |
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-Signs |
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| Notable Exclusions |
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| The following represent only some of the exclusions contained in this policy. |
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Abuse, molestation, harassment or sexual conduct |
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Fungi or bacteria |
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Acupuncture |
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Lead |
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All operations listed as ineligible |
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Massage therapy |
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Amusement devices (eg: rides, slides, inflatables, bungees |
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Nuclear energy liability |
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climbing walls, dunk tanks) |
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Sale or distribution of herbal, medicinal or nutritional |
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Asbestos |
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products |
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Dietician services |
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Training programs for law enforcement, public safety and |
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E-commerce consulting |
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military personnel |
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Employment-related practices |
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Weight control programs |
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Fireworks |
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