| Eligible Operations |
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Exercise & sport clubs |
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Health & wellness clubs |
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Fitness centers |
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Racquet & tennis clubs |
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Gyms |
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Sports & athletic clubs |
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| Ineligible for this program: |
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24-hour key card/keypad/keycode access |
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Swimming & aquatic centers |
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Unattended/unstaffed operations |
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Seasonal swim/tennis associations/clubs |
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Childrens fitness facilities (Call 1-800-506-4856 to discuss |
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Climbing wall clubs |
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eligibility) |
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Day care services (drop-off) |
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| Note: K&K also offers programs for smaller Health & Fitness Facilities providing more limited services. |
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Coverages Available & Program Highlights |
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| General Liability |
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Property |
| - |
Admitted or non-admitted basis |
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- Equipment Breakdown included |
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Non-audited policy |
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- Newly acquired or constructed building |
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Broadened coverage form |
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- Newly acquired business personal property |
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Legal Liability to Participants |
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- Ordinance & Law |
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Limited Professional Liability Extension |
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- Off-premises power failure |
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Liquor Liability |
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- Water back-up of sewers & drains |
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Limited Tanning Liability |
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- Outdoor signs |
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Sub-contractors can be added as Additional Insureds |
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- Outdoor property (trees, shrubs or plants) |
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Employee Benefits Liability |
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- Property off premises |
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Stop-Gap Liability |
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- Accounts receivable/valuable papers & records |
| - No General Aggregate |
- Replacement cost defined |
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- Covered property definition redefined |
| Inland Marine |
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| Crime |
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| Commercial Auto |
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| Excess Liability |
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| Workers' Compensation
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Common Associated Exposures |
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Baby-sitting/child care |
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Restaurants/lounges |
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Diet/weight control |
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Snack/juice bars |
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Massage therapy |
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Spa services |
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Pro/sport shops |
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Tanning |
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Personal training |
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Whirlpools/saunas/steamrooms |
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Key Underwriting/Qualifying Factors (Including but not limited to) |
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Fully staffed & operated during all open hours |
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Must require members & non-members (guests) to sign |
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Waiver & Release/Hold |
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Harmless Agreement |
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| Preliminary Underwriting Information Required |
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K&K Applications |
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Facility brochure (if available) |
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Completed ACORD applications |
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Copy of Waiver & Release Forms (Members, Guests, Tanning |
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Four years of company loss runs |
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Members) |