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| Can I apply for coverage over the phone? |
| Unfortunately, we are not able to accept your enrollment information over the phone at this time. You can apply for coverage on-line or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail. |
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| What is a general aggregate? |
| This is the maximum amount to be paid out in any policy period for all losses. |
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| What are certificate requests? How do I complete this section on the enrollment form? |
| A certificate is a document prepared by K&K providing you evidence of insurance. You will automatically receive a certificate providing proof of coverage once coverage is bound. You only need to complete the certificate request section if you have been asked to provide another certificate, to an entity such as the facility where you work. |
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| I have been asked by the facility that I instruct at to add them as an “additional insured” to my policy. What does this mean and how do I do that? |
| An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments. You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember to provide their complete name, address and relationship to you. All requests must be in writing. |
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| Will I receive a policy after I submit the enrollment form? |
| No. You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804. |
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| What are certificate requests? How do I complete this section on the enrollment form? |
| A certificate is a document prepared by K&K providing you evidence of insurance. You will automatically receive a certificate providing proof of coverage once coverage is bound. You only need to complete the certificate request section if you have been asked to provide another certificate, to an entity such as the facility where you work. |
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| What types of certifications are acceptable? |
| An acceptable certification or accreditation program is one that establishes standards and guidelines for the delivery of quality and professional dance services as well as the development of ethic statements for dance professionals. An individual will take a series of classes with testing at the end to become a certified professional in a dance program. Normally to maintain certification yearly continuing education classes are required. A few examples of acceptable certifications are: ZUMBA and BDC. |
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| Can I apply for coverage over the phone? |
| Unfortunately, we are not able to accept your enrollment form information over the phone. You can purchase coverage immediately online at www.fitnessinsurance-kk.com, or you can complete an enrollment form and submit it to K&K via e-mail, fax or mail. |
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| I’m a new health club and I am not sure what my annual sales will be. How do I determine what premium to pay? |
| Provide the estimated annual sales/revenue (before expenses) that you expect to generate from all activities and services; including but not limited to: memberships fees, individual class fees, instruction/personal training fees, locker rentals, pro shop/merchandise sales, etc (not including revenue from initiation/sign-up fees). |
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| I have been asked by my landlord to add them as an “additional insured” to my policy. What does this mean? |
| An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. By providing an entity additional insured status they now are entitled to defense and indemnity (if the policy limits have not been exhausted) under your policy with no responsibility for premium payments.
You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted “additional insured”, and provide their entire name, address and relationship to you. |
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| Does this policy provide coverage for the owner(s) of the health club and employees (including employed instructors)? |
| Yes, this policy provides commercial general liability as well as professional liability and legal liability to participants for the health club and any employees of the facility while working on behalf of the health club. |
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| Is coverage under this policy extended to independent contractors (non-employees) working on behalf of the health club? |
| Independent contractors (non-employees) are covered only if the optional coverage available with this program is purchased. If this optional coverage is not purchased, as a health club owner, you need to require that all independent contractors (non-employees) working at your health club obtain commercial general liability and professional liability coverage naming your health club as an additional insured on their policy. For your protection, you should maintain updated copies of the instructor insurance certificates in your files at all times. |
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| Does coverage extend to off-site club operations? |
| Coverage only extends to off-site operations if the optional coverage available in this program is purchased. Otherwise, coverage is limited to the premises address of the club location. |
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| What type of changes do I need to report to the company? |
| A change in location or the addition of any new operations all need to be reported to the company as these types of changes could have an impact on your current coverage. |
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