K&K Insurance Group, Inc.
Contact Us
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K&K Insurance Group, Inc.
Contact Us
contact_phone Click to call
Health Club Limited Service Insurance
The health club limited service program is 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 insurance 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 Insurance:
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)
Abuse, Molestation, or Exploitation Defense Reimbursement Coverage (optional)

Sexual Abuse or Sexual Molestation Liability (optional)
Liability for Independent Contractors
(non-employees) (optional)
Excess Liability (optional)
Event Cancellation & Non-appearance (available)  Click here for application
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

Please contact our regional sales directors for questions about programs offered by K&K.

David Mello – AK, AZ, CA, CO, HI, ID, MN, MT, ND, NM, NV, OR, SD, UT, WA, WI, WY 
[email protected]

Nick Pentsos – AL, AR, FL, GA, IN, KY, MD, MI, MS, NC, OH, PA, SC, TN, VA, WV 
[email protected] 

Isaac White – CT, DC, DE, IA, IL, KS, LA, MA, ME, MO, NE, NH, NJ, NY, OK, RI, TX, VT 
[email protected] 

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    Insurance carriers rated "A" or higher by A.M. Best
  • Commission:
    Commission paid on this program.
  • Min Premium:
    Varies by limits selected.


Request a Quote Now!



1712 Magnavox Way


  • Health Club-Limited Services Program
    Key Underwriting/Qualifying Factors
    (Including but not limited to):
    - Total revenue must be less
      than $500,000
    Underwriting Information Required:
    - Completed and signed
      enrollment form(s), 
      submitting via fax, mail
      or email
    - Full payment by check
      or credit/debit card


No prior appointment or agreement is necessary to submit applications for a coverage quotation. Upon binding the first account, agencies and individual producers are required to provide proper licensing documentation and errors & omissions coverage verification.
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K&K Insurance Group, Inc. has other insurance programs like Activity and Social Club Insurance.