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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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| 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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Unattended or unstaffed 24-hour key card/keypad/keycode |
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Physical therapy |
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access operations or unattended/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/Cheer 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. 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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(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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Abuse, Molestation, Harassment, or Sexual Conduct Defense |
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Improvements & Betterments |
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Cost Reimbursement |
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Signs |
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Medical Payments For Participants |
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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 or nutritional |
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the insured's members participate |
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products |
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Cycling (other than stationary) |
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Training programs for law enforcement, public safety and |
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Dietician services |
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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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