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Exercise Studios

Eligible Operations

U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.

This program has been designed for U.S. -based owners and operators of exercise studios and circuit training facilities that offer personal/individual training and exercise in scheduled fitness/exercise programs that are under the direct supervision of a fitness professional such as a personal trainer or exercise instructor or in a structured/sequential order for an individual.  Coverage provided includes important liability protection for the studio/facility, including its employees for liability claims arising out of the operations of the studio/facility.   Note: coverage does not extend to your independent contractors unless the optional coverage is purchased.   

Note:  An insured with multiple locations is eligible for this program as long as each location’s square footage is 3,000 square feet or less.   For operations with locations over 3,000 square feet, contact K&K for information on other available programs.

Ineligible Operations:
Certain studios/facilities are not eligible for this program. K&K reserves the right to decline any request for coverage. The ineligible studio/facilities include, but are not limited to the following (and are excluded from coverage):
- Unattended or unstaffed 24-hour key card/keypad/keycode - Physical therapy
access operations or unattended/unstaffed operations  - Physicals or stress testing
- Childcare services or facilities - Programs specifically designed for health disorders/diseases,
- Climbing walls unless reported to and approved by us
- Crossfit® Affiliate Owners and/or CrossFit® programs/activities - Salon services or indoor tanning
- Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* - Saunas or steam rooms
- Facilities outside of the U.S. - Sports medicine
- Ice skating, roller skating or skating treadmills - Sports rehabilitation services or therapy
- Medical, therapy or health care services - Sports skills instructional facilities, academies, schools
- Parkour/Ninja/Obstacle course programs or facilities or programs

- Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
* 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.
Liability Coverage
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.

Coverage includes incidental virtual training provided by you (the named insured) to your clients. The intention of the policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public.

We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training.  

Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities.   We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

General Liability Optional Coverages
- Bodily Injury and Property Damage - Liability for Independent Contractors
- Products-completed Operations Aggregate (Non-employees)
- Personal and Advertising Injury  - Abuse, Molestation or Exploitation Defense
 -  Damage to Premises Rented to You    Cost Reimbursement
- Medical Expense (other than participants) Sexual Abuse or Sexual Molestation Liability
- Bodily Injury to Participants Liability - Equipment and Contents (Inland Marine) - not available in all states
- Hired Auto and Employers' Nonownership Liability - ​Supplies and Inventory
(not available in IL, LA, UT, VT and WI)​-Improvements and Betterments
- Professional Liability - Signs
- Premises Liability Included

Notable Exclusions
The following represent only some of the exclusions contained in this policy.
- Abuse, molestation or exploitation - Fungi or bacteria
- Acupuncture - Instruction/activity being held on or in open water
- All operations listed as ineligible (e.g.: lakes, ponds, ocean)
- Amusement devices (eg: rides, slides, inflatables, bungees - Lead
climbing walls, dunk tanks) - Massage therapy
- Asbestos - Multi-passenger vehicles
- Athletic competitions held/sponsored by the insured or in which - Nuclear energy liability
the insured's members participate - Sale or distribution or herbal, medicinal and/or nutritional
​-​Cap on losses from certified acts of terrorism​products
- Communicable Diseases - Sexually transmitted diseases
​-​Cryogenic chambers/therapy​-Silica or silica-related dust
​-​Cyber incident, data compromise and violation of statutes related-​​The sport of boxing (contact/sparring)
​to personal data-​​The sport of wrestling
- Cycling (other than stationary) - Total pollution with a building heating, cooling and dehumidifying
- Employment-related practices equipment exception and hostile fire exception
- Events, competitions, tournaments, camps/clinics conducted - Training programs for law enforcement, public safety and
or sponsored by, or on behalf of the insured, unless military personnel
​reported and approved by us-​Transportation of participants/members
​-Fireworks​-​​Unmanned aircraft
-​Full sized trampolines

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