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Health Club Program - Limited Services

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IMPORTANT: In CA and NY, Inland Marine (equipment & contents) coverage is not currently available for purchase through our online process.  If you would like to request a quotation, please complete and submit the Inland Marine Quote Request Form found under Application & Printable documents link above, and we will attempt to provide a proposal, subject to guidelines/availability with one of our carrier partners. 


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.

Eligible Operations

U.S. based health clubs with annual sales of $500,000 or less qualify for this program.

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):
- Unattended/unstaffed 24-hour key card/keypad/key code access - Physical therapy
operations or unattended/unstaffed operations  - Physicals or stress testing
- Annual sales more than $500,000 - Programs specifically designed for health disorders/diseases,
- Childcare services/facilities
unless reported to and approved by us
- Climbing walls - Salon services or indoor tanning
- Crossfit® Affiliate Owners and/or CrossFit® programs/activities - Saunas or steam rooms
- Dance studios*, Gymnastics/cheer studios*, Martial arts studios* - Sports medicine
- Facilities outside of the U.S. -
Sports rehabilitation services/therapy
- Ice skating, roller skating or skating treadmills - Sports skills instructional facilities, academies, schools
- Medical, therapy or health care services or programs
​Parkour/Ninja/Obstacle course programs or facilities​-
Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
* 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.  No deductible applies to liability claims.

Coverage includes incidental 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.

General Liability Optional Coverages
- Bodily Injury and Property Damage - Liability for Independent Contractors
- Products-completed Operations Aggregate (Non-employees)
- Personal and Advertising Injury - Abuse, Molestation or Exploitation Defense
- Damage to Premises Rented to You   Cost Reimbursement
- Medical Expense (other than participants) - Sexual Abuse or Sexual Molestation Liability
Bodily Injury to Participants Liability
- Equipment and Contents (Inland Marine)
- Hired Auto and Employers' Nonownership Liability -not available in all states
(not available in IL, LA, UT, VT and WI)
- Professional Liability
- Premises Liability Included
Notable Exclusions

The following represent only some of the exclusions contained in this policy.

- Abuse, molestation or exploitation
- Instruction/activities held on or in open water (e.g.: lakes, 
- Acupuncture
ponds, ocean)
- Any adult-themed parties/meetings/trips, including but not limited

to parties/meetings/trips during which demonstration of products
- Massage therapy
and/or services used in the adult entertainment industry 
- Multi-passenger vehicles

takes place
- Nuclear energy liability
- Asbestos
- Sexually transmitted diseases
Athletic competitions held/sponsored by the insured or in which
Silica or silica-related dust

the insured's members participates
Specified recreational vehicles and activities-Aircraft/hot air balloon,
- Bodily injury to participants while in a hired auto or non-

Airport, Amusement device: The ownership, operation, 

owned auto

maintenance or use of any device or equipment a person rides for
Cap on losses from certified acts of terrorism

enjoyment, including, but not limited to: mechanical or
Commercial general liability standard exclusions (CG0001 4/13 ed)

non-mechanical ride, slide, or water slide (including any ski or tow
- Communicable diseases

when used in conjunction with a water slide); inflatable recreational
- Cryogenic chambers/therapy
device; or vertical device or equipment used for climbing, whether
- Cyber incident, data compromise, and violation of statutes

permanently affixed or temporarily erected. This exclusion does
related to personal data

not apply to video games or computer games or to any device that 
Cycling (other than stationary)

is specifically designed for the training or instruction of an activity
​-Employment related practices

for which you are enrolled; Animal; Bungee; Dunk tank; Haunted
​-Events, competitions, tournaments, camps/clinics conducted or
​attraction; Performer; Rodeo; Saddle animal; Snowmobile

​sponsored by, or on behalf of the insured, unless reported to, and 
-​​The sale or distribution of medicinal, herbal and/or nutritional

​approved by us
-​​The sport of boxing (contact/sparring)
​Fitness/exercise operations related, in whole or in part, to
-​​The sport of wrestling

​performance as an exotic dancer or any similar occupation in the
-​Those operations listed as ineligible

​adult entertainment industry
-​​Total pollution with a building heating, cooling & dehumidifying
​Full-size trampolines
​equipment exception and hostile fire exception
​Fungi or bacteria
-​​Training programs for law enforcement, public safety and
​Independent Contractors (non-employees) under the age of 18,

​military personnel

​and/or instructing sports skills, and/or coaching of organized
-​​Unmanned aircraft

​competitive athletic teams, and/or operating as a certified athletic

​trainer and/or exempt or non-exempt employee of a university

​or college

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