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Circuit Training Studios
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NOW AVAILABLE - Buy Coverage On-line!

K&K's new specialty web site, offers on-line quoting and purchasing for circuit training studios.


This insurance program has been specifically designed to meet the unique needs of U.S.-based owners and operators of circuit training work out facilities. Coverages provided under this program include important liability protection for the business and its employees. Optional coverages offered include medical payments for participants and inland marine coverage for the contents of the facility.

Eligible Operations
Workout facilities up to 3,000 square feet of owned or leased space that exclusively offer circuit training exercise programs are eligible
for consideration under this program. Programs designed for adults or children are eligible, and franchise status is not required.

Ineligible Operations:

  - 24-hour key card/keypad/keycode access - Open access to members to utilize equipment on a
  - Acupuncture self-directed basis outside of a structured program
- Child care services - Physical therapy
- Dance studios - Physicals/stress testing
- Gymnastics studios - Salon services/indoor tanning
- Facilities located outside of the U.S. - Saunas/steam rooms
- Martial arts studios - Sports medicine
- Medical, therapy or health care services - Sports rehabilition services/therapy
- Swimming pools/hot tubs/whirpools/jacuzzis/cold plunge
* Circuit training 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.
Liability Coverage
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.

Legal liability to participant coverage protects the insured circuit training facility against claims arising out of bodily injury to a participant that occurs at an insured designated location(s). Professional liability coverage protects the insured circuit training facility against wrongful acts (breach of duty, neglect, error, omission, misstatement, or misleading statement in the discharge of "sports or fitness activities") that occurs in the conduct of fitness activities at the insured's designated location(s).
General Liability
  - Bodily Injury and Property Damage - Products-completed Operations
  - Personal and Advertising Injury - Legal Liability to Participants
- Professional Liability - Damage to Premise Rented to You
  - Medical Expense
Optional Coverages
- Medical Payments for Participants - Excess Liability
-  Equipment & Contents (Inland Marine) - not -  Worker's Compensation
 available in New Jersey -  
-  Supplies & Inventory
-  Equipment & Contents
-  Improvements & Betterments
-  Signs

Notable Exclusions

- Asbestos - Training programs for law enforcement, public safety
- Abuse or molestation and military personal
- Amusement devices - Sale or distribution of herbal, medicinal or nutritional products
- Dietician services - Those activities listed as ineligible
- E-commerce consulting - Exclusion-Coverage C - Medical payments: to a person injured while
- Employment-related practices practicing, instructing or participating in any physical exercises or
- Fireworks  games, sports or athletic contests
- Fungi or bacteria - Massage therapy
- Lead - Nuclear energy
- Pollution - Weight control programs

K & K Benefits

- Experienced & professional staff dedicated - Active participation in industry trade shows and meetings
exclusively to servicing the K&K Circuit Training - Advertising presence in industry trade publications
  Program - In-house underwriting, policy administration and claims services
- Over 50 years of experience providing sports, - 24-hour emergency phone service
leisure and entertainment insurance