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Health Clubs- Full Service Operations
Eligible Operations
 
- Exercise & sport clubs - Health & wellness clubs
- Fitness centers - Racquet & tennis clubs
- Gyms - Sports & athletic clubs
 
Ineligible for this program:
- 24-hour key card/keypad/keycode access - Swimming & aquatic centers
- Unattended/unstaffed operations - Seasonal swim/tennis associations/clubs
- Childrens fitness facilities (Call 1-800-506-4856 to discuss - Climbing wall clubs
eligibility) - Day care services (drop-off)
       
Note: K&K also offers programs for smaller Health & Fitness Facilities providing more limited services.
 

Coverages Available & Program Highlights

   
     
General Liability   Property
- Admitted or non-admitted basis   -    Equipment Breakdown included
- Non-audited policy   -    Newly acquired or constructed building
- Broadened coverage form   -    Newly acquired business personal property
- Legal Liability to Participants   -    Ordinance & Law
- Limited Professional Liability Extension   -    Off-premises power failure
- Liquor Liability   -    Water back-up of sewers & drains
- Limited Tanning Liability   -    Outdoor signs
- Sub-contractors can be added as Additional Insureds   -    Outdoor property (trees, shrubs or plants)
- Employee Benefits Liability   -    Property off premises
- Stop-Gap Liability   -    Accounts receivable/valuable papers & records
  -    Replacement cost defined
Inland Marine -    Covered property definition redefined
 
Crime  
 
Commercial Auto
 
Excess Liability
 
Workers' Compensation  
 
Common Associated Exposures
 
- Baby-sitting/child care - Restaurants/lounges
- Diet/weight control - Snack/juice bars
- Massage therapy - Spa services
- Pro/sport shops - Swimming pools/lap pools
- Personal training - Tanning
- Whirlpools/saunas/steamrooms    
 
Key Underwriting/Qualifying Factors (Including but not limited to)
 
- Fully staffed & operated during all open hours - Must require members & non-members (guests) to sign
- Harmless Agreement - Waiver & Release/Hold
 
Preliminary Underwriting Information Required
- K&K Applications - Facility brochure (if available)
- Completed ACORD applications - Copy of Waiver & Release Forms (Members, Guests, Tanning
- Four years of company loss runs   Members)