K&K’s health club basic service insurance program offers a complete package of insurance coverages tailored to the specific risks faced by health club operations today.
Click to view a short video that explains products and services
Eligible Operations for Health Club Basic Service Insurance:
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- Athletic club insurance
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- Exercise club insurance
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- Fitness club insurance
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- Gym insurance
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- Health club insurance
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- Racquet club insurance
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- Sport club insurance
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- Tennis club insurance
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- Training center insurance
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- Wellness club insurance
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Coverages Available & Program Highlights:
General Liability
- General Aggregate (limit options available)
- Products-completed Operations
- Personal and Advertising Injury
- Legal Liability to Participants
- Limited Professional Liability
- Damage to Premises Rented To You
- Medical Expense Limit
Optional Coverages
- Inland Marine (not available in New Jersey)
- Supplies & Inventory
- Equipment & Contents
- Improvements & Betterments
- Signs
- Abuse, Molestation, Harassment or Sexual
Conduct Defense Cost Reimbursement
Coverage
- Stop Gap Liability
- Liquor Liability
- Employee Benefits Liability
- Limited Tanning Liability
Commercial Auto/Nonowned Hired Auto Liability
Excess Liability
Workers’ Compensation (subject to state availability)
Common Associated Exposures:
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- Aerobics
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- Pilates
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- Basketball/volleyball
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- Pro shops
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- Cardio machines
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- Racquet sports
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- Circuit training
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- Resistance machines
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- Free weights
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- Saunas/steam rooms
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- Group exercise classes
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- Snack/juice bars
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| - Massage |
- Strength training |
| - Noncontact martial arts |
- Swimming pools |
| - Nursery, baby-sitting |
- Tanning |
| - Nutritional weigh control |
- Whirlpool/hot tubs |
| - Personal training |
- Yoga |
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| States Available | AL, 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 Type | Managing General Underwriter |
| Admitted | All Available States |
| Carriers | Multiple |
| Carrier Ratings | Insurance carriers rated "A" or higher by A.M. Best |
| Commission | Commission paid on this program. |
| Min Premium | $1,500 Minimum Account Premium |