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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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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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Cycling (other than stationary) |
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Sports medicine |
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Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* |
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Sports rehabilitation services or therapy |
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Facilities or operations outside of the U.S. |
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Sports skills instructional facilities, academies, schools |
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Ice skating, roller skating or skating treadmills |
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or programs |
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Medical, therapy or health care services |
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Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge |
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Open access to members to utilize facility on a |
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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 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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-Equipment & Contents |
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Cost Reimbursement |
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-Improvements & Betterments |
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Medical Payments For Participants |
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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 and/or 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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Employment-related practices |
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military personnel |
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Fireworks |
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Weight control programs |
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