Eligible Operations
| This insurance program has been specifically designed to meet the unique needs of health and fitness clubs offering programs and services for members and guests that may include: circuit training, personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines, a variety of exercise group classes, strength training, noncontact martial arts, basketball/volleyball, racquet sports, whirlpool/hot tubs, saunas/steam rooms, massage, nursery, baby-sitting, nutritional weight control, pro shops, and snack/juice bars. For this program, the health or fitness club's annual revenue should be $1,000,000 or less (excluding revenue for initiation/sign-up fees) on a per location basis. |
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| Ineligible Operations: |
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24-Hour Keycard / Keypad / Keycode Access, Unattended / |
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Ice/In-line/Roller Skating |
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Unstaffed |
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Medical Services |
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Operations |
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Physicals/Stress Testing |
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Drop-off Child Care |
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Salon services/tanning |
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Climbing Walls |
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Sports Rehabilitation/Therapy Services |
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Ecommerce Consulting |
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Swimming Pools/Lap Pools |
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Gymnastics Classes/Full Trampolines |
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| * Health club facilities that offer programs and services that are not eligible for this program should contact K&K Insurance at 1-877-355-0315 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 the premises, operations, products and completed operations, and personal and advertising injury. Legal Liability to Participants coverage protects the insured health and fitness club against claims arising out of any bodily injury to a participant that occurs at the insured's designated location(s). Professional Liability coverage protects the insured health and fitness club against any wrongful acts (any breach of duty, neglect, error, omission, misstatement, or misleading statement in the discharge of "sports or fitness activities") that occurs while conducting instruction of fitness activities at the insured's designated location(s). There is no deductible applicable to liability claims. |
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| General Liability |
Optional Coverages: |
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General Aggregate |
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Inland Marine(not available in New Jersey) |
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Products-completed Operations |
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Supplies & Inventory |
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Personal and Advertising Injury |
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Equipment & Contents |
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Legal Liability to Participants |
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Improvements & Betterments |
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Professional Liability |
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Damage to Premise Rented to You |
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Medical Expense Limit |
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| Notable Exclusions |
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Asbestos |
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Nuclear Energy |
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Abuse or Molestation* |
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Pollution |
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Employee-related Practices |
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Medical Expense Athletic/Recreation Participant |
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Fungi or Bacteria |
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Medical Expense Nursery/Babysitting Environment |
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Lead |
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Designated Professional Exclusion |
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Fireworks |
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| * $100,000 defense cost coverage for Abuse or Molestation can be purchased as an optional coverage subject to additional premium | |
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