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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. Optional coverages available under this program include professional liability for independent contractors and coverage for equipment and contents of the studio/facility.  

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 - Physicals or stress testing

operations or unattended/unstaffed operations*
 - Programs specifically designed for health disorders/diseases,
- Annual sales more than $500,000 unless reported to and approved by us
Childcare/babysitting services/facilities
Salon services or indoor tanning
- Climbing walls - Saunas or steam rooms
Crossfit® Affiliate Owners and/or CrossFit® programs/activities* - Sports medicine
- Dance studios*, Gymnastics/cheer studios*, Martial arts studios* - Sports rehabilitation services/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
​Parkour/Ninja/Obstacle course programs or facilities​-
The sport of boxing (contact/sparring)
-​​Physical therapy​-​The sport of wrestling

* 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)
- Hired Auto and Employers' Nonownership Liability
(not available in IL, LA, UT, VT and WI)
-​Professional Liability
- Premises Liability Included

Notable Exclusions
The following represent only some of the exclusions contained in this policy.
- Abuse, molestation or exploitation
- Instruction/activities held on or in open water (e.g.: lakes, 
- Acupuncture
ponds, ocean)
- Any adult-themed parties/meetings/trips, including but not limited

to parties/meetings/trips during which demonstration of products
- Massage therapy
and/or services used in the adult entertainment industry 
- Multi-passenger vehicles

takes place
- Nuclear energy
- Asbestos
- Sexually transmitted diseases
Athletic competitions held/sponsored by the insured or in which 
Silica or silica-related dust

the insured's members participates
Specified recreational vehicles and activities-Aircraft/hot air balloon,
- Bodily injury to participants while in a hired auto or non-

Airport, Amusement devices: The ownership, operation, 

owned auto
maintenance or use of any device or equipment a person rides for
Cap on losses from certified acts of terrorism

enjoyment, including, but not limited to: mechanical or 
Commercial general liability standard exclusions (CG0001 4/13 ed)

non-mechanical ride, slide, or water slide (including any ski or tow
- Communicable diseases

when used in conjunction with a water slide); inflatable recreational
​-​CrossFit Affiliate owners and/or Cross fit programs/activitiesdevice; or vertical device or equipment used for climbing, whether
- Cryogenic chambers/therapy
permanently affixed or temporarily erected. This exclusion does not
- Cyber incident, data compromise, and violation of statutes 

apply to video games or computer games; or to any device that is
related to personal data

specifically designed for the training or instruction of an activity for
Cycling (other than stationary)

which you are enrolled. Animal, Bungee, Dunk tank, Haunted
​-Employment related practices

attraction, Performer, Rodeo, Saddle animal, Snowmobile
-Events, competitions, tournaments, camps/clinics conducted or
-​​The sale or distribution of medicinal, herbal and/or nutritional

​sponsored by, or on behalf of the insured, unless reported to, and

​approved by us
​-​Those operations listed as ineligible
-​​Total pollution with a building heating, cooling & dehumidifying
​Fitness/exercise operations related, in whole or in part, to 
​equipment exception and hostile fire exception

​performance as an exotic dancer or any similar occupation in the
​Training programs for law enforcement, public safety and

​adult entertainment industry
​military personnel
​Full-size trampolines
-​Transportation of participants/members not athletes/participants
​Fungi or bacteria
-​​Unmanned aircraft
​Independent Contractors (non-employees) under the age of 18,
Use of projectile weapons including, but not limited to firearms,

​and/or instructing sports skills, and/or coaching of organized
tasers, and defense sprays

​competitive athletic teams, and/or operating as a certified athletic
​-​Use of sharpened/bladed weapons

​trainer and/or exempt or non-exempt employee of a university

​or college

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