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Health Club Limited Service

Health Club Limited Service
The health club limited service 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 machines 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 health club at a designated location. Note: coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased.
 
Additional Programs may be available for facilities not eligible for this program, or those requiring additional coverage needs. Contact K&K to help place your risk.
 
Click to view a short video that explains products and services
 
Eligible Operations for Health Club Limited Service:
U.S.-based health clubs with annual sales of $500,000 or less qualify for this program.
 
Coverages Available & Program Highlights:
General Liability
- Bodily Injury and Property Damage
- Personal and Advertising Injury
- Products and Completed Operations
- Damage to Premises Rented to You
- Medical Expense (other than participants)
- Hired Auto and Employers’ Nonownership
  Liability (not provided while in Hawaii)
- Professional Liability
- Legal Liability to Participants
- No Charge for Certificates of Insurance
- Premises Liability Included
- Off-site Premises Liability Available
 
Equipment and Contents - Inland Marine (optional)
(not available in New Jersey)
 
Abuse, Molestation, Harassment or Sexual Conduct
Defense Cost Reimbursement Coverage (optional)
 
Medical Payments for Participants Coverage (optional)
 
Professional Liability for Independent Contractors
(non-employees) (optional)
 
Excess Liability (optional)
 
Event Cancellation & Non-appearance (optional)
 
K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers.
 
The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience.
 
The program offers 10% commission to insurance agents when using the online binding system. A convenient registration areea allows agents to manage quotes and bound accounts.
 
Coverage can be purchased at the following sites:  www.fitnessinsurance-kk.com – small fitness and exercise facilities and instructors
 
States AvailableAL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Provider TypeManaging General Underwriter
AdmittedAll Available States
CarriersMultiple
Carrier RatingsInsurance carriers rated "A" or higher by A.M. Best
CommissionCommission paid on this program.
Min PremiumVaries by limits selected.



Coverages

Exercise Club General Liability Insurance
Exercise Clubs Insurance
Fitness Club General Liability Insurance
Health Club General Liability Insurance
Health Clubs Insurance


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K & K Insurance Group, Inc. has other insurance programs like Health Club Limited Service Insurance
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