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Eligible Operations |
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Exercise & sport clubs | - |
Health & wellness clubs |
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Fitness & training centers | - |
Racquet & tennis clubs |
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Gyms | - |
Sports & athletic clubs |
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Common Associated Exposures |
| - | Baby-sitting/child care | - | Restaurants/lounges |
| - | Climbing walls | - | Snack/juice bars |
| - | Diet/weight control | - | Spa services |
| - | Massage therapy | - | Swimming Pools |
| - | Pro/sport shops | - | Tanning |
| - | Personal training | - | Whirlpools/saunas/steamrooms |
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| Ineligible for this program: | | |
| - | Climbing wall clubs | - | Swimming & aquatic centers |
| Day care services (drop-off) | - | Seasonal swim/tennis associations/clubs |
| - | Childrens fitness facilities (Call 1-800-506-4856) | |
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| to discuss eligibility) | | |
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Note:
K&K also offers programs for smaller
Health & Fitness Facilities providing limited services. |
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Coverages Available & Program Highlights | | |
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| 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 |
| - | Professional Liability Extension | - | Off-premises power failure |
| | - | Water back-up of sewers & drains |
Optional Coverages | - | Outdoor signs |
| - | Liquor Liability | - | Outdoor property (trees, shrubs or plants) |
| - | Limited Tanning Liability | - | Property off premises |
| - | Sub-contractors can be added as Additional Insureds | - | Accounts receivable/valuable papers & records |
| - | Employee Benefits Liability | - | Replacement cost defined |
| - | Stop-Gap Liability | - | Covered property definition redefined |
| - | Employment Practices Liability | | |
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| Inland Marine | |
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| Crime | |
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| Commercial Auto/Nonowned Hired Auto Liability | |
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| Excess Liability | |
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| Workers' Compensation | |
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| Event Cancellation - Non-appearance | |
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Key Underwriting/Qualifying Factors (Including but not limited to) |
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| - | $3,000 minimum account premium | - | Must require members & non-members (guests) to sign |
| | | waiver & release/hold harmless agreement |
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| Preliminary Underwriting Information Required |
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K&K Applications | - | Copy of Waiver & Release Forms (Members, Guests, |
| - | Completed ACORD applications | | Tanning Members) |
| - | Five years of company loss runs | | |