Health Club Insurance Expert Ken Reinig Asks, “Is Your Lease Leaving Gaps In Your Insurance?”

Ken Reinig, of Reinig Insurance Solutions, discusses the importance of letting your insurance agent review your entire lease – protecting you against unseen gaps in coverage.

Lakewood, CO – December 19, 2014 – Ken Reinig is a well-known fitness industry risk management specialist and the owner of Reinig Insurance Solutions, the fitness industry’s most unique solution for their insurance needs. Ken has been emphasizing to his clients the importance of letting his team review their entire lease, not just the insurance requirements. Ken has found that often there are many exposures that facility owners may be agreeing to in their lease other than just the insurance requirements.  One in particular deals with Heating, Ventilation, and Air Conditioning (HVAC). 

Ken explains, “Many landlords make the tenant responsible not only for the maintenance of these items, but also make the tenant responsible for any damage to these units even though the tenant does not own the units.   This can result in a very expensive ‘gap’ in insurance coverage. Although the club owner carries ‘tenant improvements and betterments’ coverage, the HVAC does not fall under this category unless the tenant paid for the installation of the HVAC…which is rare.”  

Ken Reinig specializes in helping people in the health club industry by providing the appropriate insurance solutions. He is passionate about sharing the risk management tools, education, and protocols that help reduce or eliminate the exposures that can result in liability or property losses.

After 20 years as the President and Founder of Association Insurance Group, Reinig launched his new business in May of 2013.  Although Ken and his team have been insuring health clubs for the past 20 years, his new venture is proving to be his best success story to date.  Licensed in all 50 states, Ken, known in the industry as “The Singing Insurance Guy,” represents five different insurance companies offering unique insurance products to the health club industry.

On Ken’s website,, he offers several informative articles on fitness industry insurance, as well as relevant waivers and release forms, all of which are available for download. These resources can be found directly at All of Ken’s blogs and articles can be found at

About Ken Reinig:

The fitness industry’s leading risk management specialist, Ken is the past president and founder of Association Insurance Group and has been insuring health clubs, instructors, and personal trainers for over 20 years.

Learn more about Ken Reinig at