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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. |
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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 |
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Damage to Premises Rented to You |
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Bodily Injury and Property Damage |
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Medical Expense (other than participants) |
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Products-completed Operations Aggregate |
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Legal Liability to Participants |
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Personal and Advertising Injury |
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Hired Auto and Employers' Nonownership Liability |
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Premises Liability Included |
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(not provided while in Hawaii) |
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Off-site Premises Liability Available |
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Professional Liability |
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| Optional Coverages: |
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Abuse, Molestation, Harassment or Sexual Conduct |
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Liability For Independent Contractors |
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Defense Cost Reimbursement |
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(Non-employees) |
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Equipment & Contents (Inland Marine) |
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Sexual Abuse or Sexual Molestation Liability |
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Medical Payments for Participants |
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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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Fireworks |
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Acupuncture |
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Fungi or bacteria |
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All operations listed as ineligible |
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Instruction/activity held on or in open water |
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Amusement devices (eg: rides, slides, inflatables, bungees, |
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(e.g.: lakes, ponds, ocean) |
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climbing walls, dunk tanks) |
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Lead |
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Asbestos |
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Massage therapy |
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Boxing (contact/sparring) |
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Nuclear energy liability |
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Cryogenic chambers/therapy |
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Sale or distribution of herbal, medicinal and/or |
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Cycling (other than stationary) |
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nutritional products |
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Employment-related practices |
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Training programs for law enforcement, public safety and |
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Events, competitions, tournaments, camps/clinics conducted |
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military personnel |
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or sponsored by, or on behalf of the insured, unless reported |
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Transportation of participants/members |
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and approved by us |
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Violation of statutes that govern e-mails, faxes, phone calls or |
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other methods of sending materials or information |
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