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This program is designed for U.S.-based owners and operators of health clubs offering programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines and a variety of exercise classes for members. Coverage provided includes important liability protection for the health club, including its employees for liability claims arising out of the operations of the health club at a designated location.
Note: Coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased. |
We're happy to advise that coverage does extend to virtual training provided by you (the named insured) to your clients. The intention of the policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public.
We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training.
Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities. We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.
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| Eligible Operations |
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U.S. based health clubs with annual sales of $500,000 or less qualify for this program. |
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| Ineligible Operations: |
Certain operations are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):
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Unattended/unstaffed 24-hour key card/keypad/key code access |
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Physical therapy |
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operations or unattended/unstaffed operations |
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Physicals or stress testing |
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Annual sales more than $500,000 |
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Salon services or indoor tanning |
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Childcare services/facilities |
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Saunas or steam rooms |
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Climbing walls |
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Sports medicine |
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CrossFit Affiliate Owners* |
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Sports rehabilitation services/therapy |
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Dance studios*, Gymnastics/cheer studios*, Martial arts studios* |
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Sports skills instructional facilities, academies, schools |
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Facilities outside of the U.S. |
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or programs |
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Ice skating, roller skating or skating treadmills |
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Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge |
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Medical, therapy or health care services |
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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. No deductible applies to liability claims. |
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| General Liability |
Optional Coverages |
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Bodily Injury and Property Damage |
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Liability for Independent Contractors |
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Products-completed Operations Aggregate |
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(Non-employees) |
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Personal and Advertising Injury |
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Abuse, Molestation, Harassment or Sexual Conduct Defense |
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Damage to Premises Rented to You |
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Cost Reimbursement |
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Medical Expense (other than participants) |
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Sexual Abuse or Sexual Molestation Liability |
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Legal Liability to Participants |
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Equipment and Contents (Inland Marine) |
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Hired Auto and Employers' Nonownership Liability |
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Supplies and Inventory |
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(not provided while in Hawaii) |
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Improvements and Betterments |
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Professional Liability |
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Signs |
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Premises Liability Included |
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| - | Off-site Premises Liability Available | | |
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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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Instruction/activity held on or in open water |
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All operations listed as ineligible |
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(e.g.: lakes, ponds, ocean) |
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Amusement devices (eg: rides, slides, inflatables, bungees, |
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Lead |
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climbing walls, dunk tanks) |
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Massage therapy |
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Asbestos |
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Nuclear energy liability |
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Athletic competitions held/sponsored by the insured or in which |
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Sale or distribution of herbal, medicinal and/or |
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the insured's members participate |
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nutritional products |
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Communicable Diseases (effective 7/1/20 and after) |
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The sport of boxing (contact/sparring) |
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Cryogenic chambers/therapy |
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The sport of wrestling |
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Cycling (other than stationary) |
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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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Events, competitions, tournaments, camps/clinics conducted |
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Transportation of participants/members |
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or sponsored by, or on behalf of the insured, unless reported |
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Violation of statutes that govern e-mails, faxes, phone calls or |
| and approved by us | | other methods of sending materials or information |
| - | Fireworks | | |