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Health Clubs- Basic Service Operations
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Eligible Operations
This program is specifically designed for U.S.-based owners and operators of membership-based health and fitness clubs and/or tennis/racquet clubs offering programs and services for members and guests that may include:  circuit training, personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines, a variety of exercise group classes, strength training, non-contact martial arts, basketball/volleyball, racquet sports, wirlpool/hot tubs, saunas/steam rooms, massage, nursery/babysitting, nutritional weight control, tanning, pro shops, snack/juice bars and 24-hour key card access facilities.

To be eligible for this program, the facility's annual revenue must be $2,000,000 or less (excluding revenue for
initiation sign-up fees)
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.
Ineligible Operations:
-Beauty/hair salon services-Martial arts facilities
 -Blood analysis-Medical, therapy or health care services
-Dance facilities-Physical therapy, physicals or stress testing
-Drop-off child care services-Rock climbing walls
-Facilities outside of the US-Sports medicine, rehabilitation, and/or therapy services
-Full-size trampolines-Sports skills instruction facilities, academies, schools, programs
-Gymnastics and/or cheer facilities or classes(except for tennis/racquet)
-Ice/Inline/roller skating (Including skating treadmills)         -Swimming pools/lap pools
* Health club facilities that offer programs and services that are not eligible for this program should contact K&K Insurance at
1-877-355-0315 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 the premises, operations, products and completed operations, and personal and advertising injury. Legal Liability to Participants coverage protects the insured health and fitness club against claims arising out of any bodily injury to a participant. Professional Liability coverage protects the insured health and fitness club against any wrongful acts (any breach of duty, neglect, error, omission, misstatement, or misleading statement in the discharge of "sports or fitness activities") that occurs while conducting instruction of fitness activities. There is no deductible applicable to liability claims.

General LiabilityOptional Coverages:​
-General Aggregate-Abuse, Molestation, Harassment or Sexual Conduct
 -Products-Completed OperationsDefense Cost Reimbursement Coverage
-Personal and Advertising Injury-Inland Marine - Equipment & Contents
-Legal Liability to Participants-Liquor Liability
-Professional Liability-Liability for Independent Contractor
-Damage to Premises Rented to You(non-employees)
-Medical Expense limit-Sexual Abuse or Sexual Molestation Coverage
​-​Hired Auto & Employers nonownership Liability
(not provided while in Hawaii)                                     

Notable Exclusions
-Abuse, molestation, harassment or sexual conduct-Nuclear energy liability
 (unless requested & approved by K&K)-Sales or distribution of herbal and/or medicinal products
-Acupuncture-Exclusion - Designated Professional Services
-All operations listed as ineligible*Professional services performed by a physician, nurse or
-Amusement devices (eg: rides, slides, inflatables,  or chiropractor
bungees, climbing walls, dunk tanks)*Psychiatric treatment
-Asbestos*Electrolysis hair removal
-Boxing (contact/sparring)*Ear piercing
​-Communicable Diseases (effective 7/1/20 and after)​*Prescription of dispensing of medication or drugs
​-​Cycling (other than stationary)  or stimulants of any kind.                    
​-​Employment-related practices             ​*Performance of medical diagnostic or testing services
​-​Events, competitions, tournaments, camps/clinics  ​which involve or service a prerequisite to examination
conducted or sponsored by, or on behalf of the insured,​  of bodily fluids or tissue
​unless reported and approved by us​-Limitation of coverage for tanning equipment - Coverage does 
​-​Fireworksnot apply to bodily injury to the eyes caused by rays
​-​Fungi or bacteriaemitted by tanning equipment; bodily injury in whole or part,
-​​Instruction/activity held on or in open water (eg: lakes, by customer regulation or tanning equipment timing controls;
ponds, ocean)​bodily injury caused by exposure to any carcinogen
​-​Medical expense for athletic/recreation participants​ -​​Transportation of participants/members 
-​​Medical expense for children in nursery/babysitting-​​​Violation of statutes that govern e-mails, faxes, phone calls
​​environmentor other methods of sending materials or information
​-​The sport of wrestling