Personal Trainer

Health & Fitness Facilities

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Health clubs and personal trainer general liability insurance 

K&K offers customized insurance programs for a variety of fitness facilities. The size (area) of the facility, its annual revenue and the services offered determine which of our programs is appropriate for each operation.

Exercise and Personal Training Studio Insurance

Studio facilities that offer personal/individual training, exercise, aerobics, yoga, pilates, or circuit training activities under the direct supervision of a fitness professional such as a personal trainer or exercise instructor.

- Square footage must be 3,000 or less

Note: All Eligible Operations Must Be Fully Staffed During All Open Hours.

Health Club Program Insurance: Limited Services

Insurance for health clubs and fitness facilities that offer programs and services including personal training, aerobics, yoga, pilates, free weights, resistance and cardio machines for their members.

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

Note: All Eligible Operations Must Be Fully Staffed During All Open Hours.

Health Club Program Insurance: Basic Service Operations

Insurance for health clubs, fitness facilities, tennis and racquet clubs offering programs and services that may include circuit training, personal training, aerobics, yoga, Pilates, free weights, resistance and cardio machines, exercise group classes, non-contact martial arts, basketball, volleyball, racquet sports, whirlpool hot tubs, saunas, steam rooms, massage, babysitting, nutritional weight control, tanning, pro shops,
snack bars and 24-hour key card access facilities.

- Annual revenue must be $2,000,000 or less (excluding revenue for initiation/sign-up fees) on a per location basis.
- 24-hour facility options available


Health, racquet, and athletic club operations offering a full range of services including, but not limited to: pro shops, sport shops, snack bars, juice bars, restaurants, lounges, spa services, tanning, babysitting, massage therapy, etc.