Health Clubs – Limited Services Insurance

K&K’s limited services health club insurance program is designed for owners and operators of gyms with annual sales of $500,000 or less.

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Liability and optional insurance coverage for health clubs and fitness facilities that offer programs and services including personal training, aerobics, yoga, Pilates, free weights, resistance, and cardio machines for their members.

U.S.-based health clubs with annual sales of $500,000 or less qualify for this program.
Health clubs that don’t qualify for this program may be eligible through our Basic Services, Full Service or Fitness Studio programs.

What is eligible for this program?
Including but not limited to:
Health clubs with annual sales of $500,000 or less
What is not eligible for this program?
Including but not limited to health clubs with:
Annual sales over $500,000
Anytime Fitness facilities
Childcare services/facilities
Climbing walls
CrossFit Affiliate owners
Dance, gymnastics, cheer, and martial arts schools
Electrical muscle stimulation
Indoor tanning
Kinesiology taping
Medical or health care services
Meditation room/sound therapy
Parkour/Ninja obstacle course programs and facilities
Physical therapy; Physicals or stress testing
Programs designed for health disorders or diseases unless reported and approved by K&K
Red light therapy
Rehabilitation services/therapy
Salt rooms
Saunas and steam rooms
Sports medicine
Sports skills instructional facilities and programs
Stretching labs/facilities
Swimming pools, hot tubs, whirlpools, Jacuzzis, cold plunge
Trampoline parks
Unattended or unstaffed 24-hour key card operations
Vibration plates
Insurance coverages available
General Liability
Bodily Injury and Property Damage
Personal and Advertising Injury
Products and Completed Operations
Damage to Premises Rented to You
Medical Expense (other than participants)
Hired Auto and Non-owned Auto Liability (not provided in IL, LA, UT, VT and WI)
Professional Liability
Bodily Injury to Participants
No Charge for Certificates of Insurance
Premises Liability Included
Optional Coverages
Equipment and Contents - Inland Marine
Abuse, Molestation or Exploitation Defense Reimbursement Coverage
Medical Payments for Participants Coverage
Liability for Independent Contractor (non-employees)
Sexual Abuse or Sexual Molestation Liability
Primary limits of $1,000,000 to $5,000,000 available
What do I need to apply?
Please apply online or complete the appropriate PDF enrollment form and submit as directed in the form. Coverage is subject to underwriting, may not be available to all applicants in all states, and may vary by state. It is important to carefully review the terms and conditions of any insurance quotation. Please contact a K&K representative if you have any questions.
K&K enrollment form or apply online
Deposit payment by check or credit/debit card

Applications

Please click on the link below to download an application and check your download folder to find the PDF application document. Please open the form using Adobe Acrobat Reader before filling it out. Do not complete the form using a web browser, Preview (Mac), or iPhone/iPad Mail, as this may lock the file when returned. For the free version of Adobe Acrobat Reader, please click here.

Individual Applications

Limited Services Health Club Insurance Program and Enrollment Form
This brochure is valid for effective dates of 1/1/2026 through 12/31/2026
RPG Inland Marine Quote Request Form for Facilities
Certificate of Insurance Request Form
Policy Change / Cancellation / Certificate Request Form

Phone

800-648-6406
Email

Email us

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Health Clubs & Fitness

Coverage that fits – programs for health clubs, fitness facilities, exercise studios, and fitness instructors.

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Basic Service Health Club Insurance

Liability and property insurance for health clubs and fitness facilities with annual sales of less than $2,000,000.

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Full Service Health Club Insurance

Liability and property insurance for full-service health clubs, racquet clubs, and athletic training facilities.

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Health Clubs – Limited Services Insurance

Program Highlights

What is eligible for this program?

What is not eligible for this program?

Insurance coverages available

What do I need to apply?

Applications

Did you know?

Contact information for Small Health Clubs

Phone

Email

Ready to get started?

Why choose K&K?

Related Programs

Health Clubs & Fitness

Basic Service Health Club Insurance

Full Service Health Club Insurance

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