Insurance comparison
Sports & Fitness Insurance Corporation vs K&K Insurance
How Sports & Fitness Insurance Corporation and K&K Insurance compare for wellness franchise operators — side-by-side specs and our verdict on which fits which concept.
Short answer
The two niche specialists that generalist brokers quote against. Sports & Fitness Insurance Corporation (SFIC) writes gyms, studios, and fitness professionals exclusively, and its programs reflect decades of category claims data — health-club-specific liability forms, instructor coverage, and underwriters who don't flinch at a functional-fitness rig. K&K covers the wider sports, leisure, and recreation world, with programs spanning events, facilities, and higher-hazard recreation. A conventional gym or studio gets the most dialed-in program from SFIC; a concept with event programming, competitions, or unusual recreational exposures may fit K&K's broader appetite better. Both quote through agents — the useful move is getting each specialist's form beside your generalist quote and comparing exclusions line by line.
Side-by-side
| Sports & Fitness Insurance Corporation | K&K Insurance | |
|---|---|---|
| Coverage type | General liability | Broker/Multi-line |
| Pricing from | Quote-based | Program/quote-based |
| States licensed | US | US |
| Best for | Fitness studios and franchises wanting a fitness-only insurance specialist | Sports, fitness, and recreation businesses needing activity-specific programs |
| Differentiator | Coverage written exclusively for the health and fitness industry for 30+ years | 80+ specialty programs for sports, leisure, and recreation over 70 years |
Full profile
Sports & Fitness Insurance Corporation
Insurance written exclusively for gyms, studios, and fitness professionals.
Full profile
K&K Insurance
Specialty programs for sports, fitness, leisure, and recreation businesses.
See more options in our roundup of the best insurance for wellness franchises.