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Health Club Program-Limited Services


This program has been designed for U.S. -based owners and operators of  health clubs offering programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machine and a variety of exercise classes for members.  Coverage provided includes important liability protection for the health club,  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: Coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased.

Eligible Operations

U.S. based health clubs with annual sales of $500,000 or less qualify for this program.

Ineligible Operations:
Certain operations are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage):
- Unattended/unstaffed 24-hour key card/keypad/key code access - Physical therapy
operations or unattended/unstaffed operations  - Physicals or stress testing
- Annual sales more than $500,000 - Programs specifically designed for health disorders/diseases,
Childcare services/facilities
unless reported to and approved by us
- Climbing walls - Salon services or indoor tanning
- Crossfit® Affiliate Owners and/or CrossFit® programs/activities - Saunas or steam rooms
- Dance studios*, Gymnastics/cheer studios*, Martial arts studios* - Sports medicine
- Facilities outside of the U.S. -
Sports rehabilitation services/therapy
- Ice skating, roller skating or skating treadmills - Sports skills instructional facilities, academies, schools
- Medical, therapy or health care services or programs
​Parkour/Ninja/Obstacle course programs or facilities​-
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 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 of herbal, medicinal and/or nutritional
​Cap on losses from certified acts of terrorism

- 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 reported
military personnel
​and approved by us-
Transportation of participants/members
-​​Unmanned aircraft
-​Full sized trampolines
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