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Health Club Program- Full Service
(Health, Fitness, Racquet, Sport, Gym)
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Phone  
1-877-355-0315
Fax  
1-260-459-5821
Claims  
1-800-237-2917
 
Ask us a Question/E-mail
 

 
Eligible Operations
 
- Exercise & sport clubs - Health & wellness clubs
- Fitness & training centers - Racquet & tennis clubs
- Gyms - Sports & athletic clubs
 
Common Associated Exposures
- Baby-sitting/child care - Restaurants/lounges
- Climbing walls - Snack/juice bars
- Diet/weight control - Spa services
- Massage therapy - Swimming Pools
- Pro/sport shops - Tanning
- Personal training - Whirlpools/saunas/steamrooms
Ineligible for this program:
- Climbing wall clubs - Swimming & aquatic centers
Day care services (drop-off) - Seasonal swim/tennis associations/clubs
- Childrens fitness facilities (Call 1-800-506-4856
to discuss eligibility)
       
Note: K&K also offers programs for smaller Health & Fitness Facilities providing limited services.
 

Coverages Available & Program Highlights

   
     
General Liability   Property
- No General Aggregate - Equipment Breakdown included
- Admitted or non-admitted basis - Newly acquired or constructed building
- Non-audited policy  - Newly acquired business personal property
- Broadened coverage form  - Ordinance & Law
- Legal Liability to Participants  - Off-premises power failure
- Professional Liability Extension  - Water back-up of sewers & drains

Optional Coverages

- Outdoor signs
- Liquor Liability  -  Outdoor property (trees, shrubs or plants)
- Limited Tanning Liability  - Property off premises
- Sub-contractors can be added as Additional Insureds  - Accounts receivable/valuable papers & records
- Employee Benefits Liability  - Replacement cost defined
- Stop-Gap Liability  - Covered property definition redefined
- Employment Practices Liability
   
Inland Marine
 
Crime  
 
Commercial Auto/Nonowned Hired Auto Liability
 
Excess Liability
 
Workers' Compensation  
 
Event Cancellation - Non-appearance
 
Key Underwriting/Qualifying Factors (Including but not limited to)
 
- $3,000 minimum account premium - Must require members & non-members (guests) to sign
waiver & release/hold harmless agreement
 
Preliminary Underwriting Information Required
- K&K Applications - Copy of Waiver & Release Forms (Members, Guests,
- Completed ACORD applications Tanning Members)
- Five years of company loss runs