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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 applicationsTanning Members)
-Five years of company loss runs