K&K’s health and fitness 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 Full Service Insurance:
- Athletic club insurance
- Exercise club insurance
- Fitness club insurance
- Gym insurance
- Health club insurance
- Racquet club insurance
- Sport club insurance
- Tennis club insurance
- Training center insurance
- Wellness club insurance
Coverages Available & Program Highlights:
Property
- Newly Acquired or Constructed Building
- Newly Acquired Business Personal Property
- Ordinance & Law
- Off-premises Power Failure
- Water Back-up of Sewers & Drains
- Outdoor Signs
- Outdoor Property (trees, shrubs or plants)
- Property Off Premises
- Accounts Receivable/Valuable
Papers & Records
- Replacement Cost Defined
- Covered Property Definition Redefined
- Equipment Breakdown Included
General Liability
- Admitted or Non-admitted Basis
- Broadened Coverage Form
- Non-auditable Policy
- No General Aggregate
- Legal Liability to Participants
- Limited Professional Liability Extension
Optional Coverages
- Liquor Liability
- Limited Tanning Liability
- Sub-contractors can be added as
Additional Insureds
- Employee Benefits Liability
- Stop Gap Liability
Inland Marine
Crime
Commercial Auto/Nonowned Hired Auto Liability
Excess Liability
Workers’ Compensation (subject to state availability)
Event Cancellation & Non-appearance
Common Associated Exposures:
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- Baby-sitting/child care
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- Restaurants/lounges
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- Climbing walls
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- Snack/juice bars
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- Diet/weight control
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- Spa services
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- Massage therapy
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- Tanning
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- Pro/sport shops
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- Whirlpools/saunas/
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- Personal training
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steamrooms
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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 | $3,000 Minimum Account Premium |