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This program is designed for U.S.-based owners and operators of health clubs offering programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines and a variety of exercise classes for members. Coverage provided includes important liability protection for the health club, including its employees for liability claims arising out of the operations of the health club at a designated location.
Note: Coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased. |
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| Eligible Operations |
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U.S. based health clubs with annual sales of $500,000 or less qualify for this program. |
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| Ineligible Operations: |
| Certain operations are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage): |
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Unattended/unstaffed 24-hour key card/keypad/key code access |
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Physical therapy |
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operations or unattended/unstaffed operations |
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Physicals or stress testing |
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Annual sales more than $500,000 |
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Salon services or indoor tanning |
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Childcare services/facilities |
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Saunas or steam rooms |
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Climbing walls |
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Sports medicine |
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Cycling (other than stationary) |
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Sports rehabilitation services/therapy |
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Dance studios*, Gymnastics/cheer studios*, Martial arts studios* |
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Sports skills instructional facilities, academies, schools |
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Facilities or operations outside of the U.S. |
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or programs |
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Ice skating, roller skating or skating treadmills |
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Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge |
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Medical, therapy or health care services |
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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 Premises 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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Premises Liability Included |
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(not provided while in Hawaii) |
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Off-site Premises Liability Available |
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Professional Liability |
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| 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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Medical Payments For Participants |
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Improvements & Betterments |
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Abuse, Molestation, Harassment or Sexual Conduct |
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Signs |
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Defense Cost Reimbursement |
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Sexual Abuse or Sexual Molestation Liability |
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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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Instruction/activity held on or in open water (e.g. lakes, ponds |
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All operations listed as ineligible |
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ocean) |
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Amusement devices (eg: rides, slides, inflatables, bungees |
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Lead |
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climbing walls, dunk tanks) |
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Massage therapy |
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Asbestos |
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Nuclear energy liability |
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Athletic competitions held/sponsored by the insured or in which |
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Sale or distribution of herbal, medicinal and/or nutritional |
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the insured's members participate |
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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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Employment-related practices |
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military personnel |
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Fireworks |
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Weight control programs |