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Health Clubs- Full Service Operations
Eligible Operations
- Exercise & sport clubs - Health & wellness clubs
- Fitness centers - Racquet & tennis clubs
- Gyms - Sports & athletic clubs
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 -
eligibility)-Day care services (drop-off)
Note: K&K also offers programs for smaller Health & Fitness Facilities providing more limited services.

Coverages Available & Program Highlights

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
Commercial Auto
Excess Liability
Workers' Compensation  
Common Associated Exposures
-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
Key Underwriting/Qualifying Factors (Including but not limited to)
-Fully staffed & operated during all open hours-Must require members & non-members (guests) to sign
-Harmless Agreement-Waiver & Release/Hold
Preliminary Underwriting Information Required
- 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)