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| Eligible Operations |
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U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.
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.
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IMPORTANT PROGRAM CHANGE: As of 3/1/20, covered operations under this program now includes virtual training/instruction under your direct supervision or organized by you (you = the named insured on the policy). The intent of this wording is to provide coverage for operations that involve live online streaming/real-time instruction with your clients/members via the internet. The instructor should be able to communicate visually and verbally with the participants at all times during instruction. Recorded training sessions of covered sports/activities are also approved provided that ONLY your registered members/clients have access.
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 online streaming/real-time instruction. 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. The policy is not intended to extend to online streaming/real-time instruction or recorded videos/sessions that are accessible by the general public/non-members. 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.
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| 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): |
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| - | 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 | - | Salon services or indoor tanning |
| - | Climbing walls | - | Saunas or steam rooms |
| - | CrossFit Affiliate Owners* | - | Sports medicine |
| - | Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* | - | Sports rehabilitation services or therapy |
| - | Facilities outside of the U.S. | - | Sports skills instructional facilities, academies, schools |
| - | Ice skating, roller skating or skating treadmills | | or programs |
| - | Medical, therapy or health care services | - | Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge |
| - | Open access to members to utilize facility on a | | |
| self-directed basis outside of a structured program | | |
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* 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. |
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| Liability Coverage |
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| 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. |
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| 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, Harassment or Sexual Conduct Defense |
| - | Damage to Premises Rented to You | | Cost Reimbursement |
| - | Medical Expense (other than participants) | - | Medical Payments for Participants |
| - | Legal Liability to Participants | - | Sexual Abuse or Sexual Molestation Liability |
| - | Hired Auto and Employers' Nonownership Liability | - | Equipment and Contents (Inland Marine) |
| | (not provided while in Hawaii) | - | Supplies and Inventory |
| - | Professional Liability | - | Improvements and Betterments |
| - | Premises Liability Included | - | Signs |
| - | Off-site Premises Liability Available | | |
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| Notable Exclusions |
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The following represent only some of the exclusions contained in this policy.
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| - | Abuse, molestation, harassment or sexual conduct | - | 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 | - | Nuclear energy liability |
| - | Athletic competitions held/sponsored by the insured or in which | - | Sale or distribution or herbal, medicinal and/or nutritional |
| the insured's members participate | - | products |
| - | Communicable Diseases (effective 7/1/20 and after) | - | The sport of boxing (contact/sparring) |
| - | Cryogenic chambers/therapy | - | The sport of wrestling |
| - | Cycling (other than stationary) | - | Training programs for law enforcement, public safety and |
| - | Employment-related practices | | military personnel |
| - | Events, competitions, tournaments, camps/clinics conducted | - | Transportation of participants/members |
| or sponsored by, or on behalf of the insured, unless | - | Violation of statutes that govern e-mails, faxes, phone calls |
| reported and approved by us | | or other methods of sending materials or information |
| - | Fireworks | | |