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Eligible Operations |
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Exercise & sport clubs |
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Health & wellness clubs |
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Fitness centers |
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Racquet & tennis clubs |
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Gyms |
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Sports & athletic clubs |
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| Ineligible for this program: | | |
| - | 24-hour key card/keypad/keycode access | - | Swimming & aquatic centers |
| - | Unattended/unstaffed operations | - | Seasonal swim/tennis associations/clubs |
| - | Childrens fitness facilities (Call 1-800-506-4856 to discuss | - | |
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| eligibility) | - | Day care services (drop-off) |
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Note: K&K also offers programs for smaller
Health & Fitness Facilities providing more limited services. |
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Coverages Available & Program Highlights | | |
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| General Liability | | Property |
| - | Admitted or non-admitted basis | | - Equipment Breakdown included |
| - | Non-audited policy | | - Newly acquired or constructed building |
| - | Broadened coverage form | | - Newly acquired business personal property |
| - | Legal Liability to Participants | | - Ordinance & Law |
| - | Limited Professional Liability Extension | | - Off-premises power failure |
| - | Liquor Liability | | - Water back-up of sewers & drains |
| - | Limited Tanning Liability | | - Outdoor signs |
| - | Sub-contractors can be added as Additional Insureds | | - Outdoor property (trees, shrubs or plants) |
| - | Employee Benefits Liability | | - Property off premises |
| - | Stop-Gap Liability | | - Accounts receivable/valuable papers & records |
| | - Replacement cost defined |
| Inland Marine | - Covered property definition redefined |
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| Crime | |
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| Commercial Auto | |
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| Excess Liability | |
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| Workers' Compensation | |
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Common Associated Exposures |
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| - | Baby-sitting/child care | - | Restaurants/lounges |
| - | Diet/weight control | - | Snack/juice bars |
| - | Massage therapy | - | Spa services |
| - | Pro/sport shops | - | Swimming pools/lap pools |
| - | Personal training | - | Tanning |
| - | Whirlpools/saunas/steamrooms | | |
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Key Underwriting/Qualifying Factors (Including but not limited to) |
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| - | Fully staffed & operated during all open hours | - | Must require members & non-members (guests) to sign |
| - | Harmless Agreement | - | Waiver & Release/Hold |
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| Preliminary Underwriting Information Required |
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K&K Applications | - | Facility brochure (if available) |
| - | Completed ACORD applications | - | Copy of Waiver & Release Forms (Members, Guests, Tanning |
| - | Four years of company loss runs | | Members) |