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News and Updates

New program for franchised RV dealerships open to agents

K&K Insurance announces an expansion of our franchised powersport dealership program adding recreational vehicle (RV) dealers. RV dealers will now have access to our comprehensive program joining the motorcycle, personal watercraft, snowmobile and ATV industry dealerships.  No prior appointment or agreement is needed for agents to submit applications for a quote.

Coverage options for franchised RV dealership may include property, general liability, inland marine, crime, garage liability, garagekeepers coverage, employment practices liability (limited states), excess and workers' compensation.  Dealer physical damage coverage is not available.  Limits of $1 million with up to $25 million excess are offered.

"K&K Insurance has more than 30 years of experience providing coverage to franchised motorcycle and powersport dealerships," said Lita Mello, senior vice president of K&K's Recreation Division.  "With an experienced staff of underwriters and claims managers that understand the specific needs of dealerships, we are well-prepared to provide exceptional service to insurance agents and their RV dealership clients."

The franchised RV dealership proram is available in all states except the following: DC; MA; MN; NJ; and VA.  Coverage is offered on either an admitted or surplus lines basis depending on the state and provided through an insurance carrier rated "A+" (Superior) by A.M. Best Company.  For underwriting guidelines and applications, please call 800-552-9253 or email

New website offers entertainers capability to quote and buy liability insurance online

K&K Insurance announces a new website,, offering liability coverage for U.S.-based bands and solo entertainers that perform on an independent contractor basis.  The website offers the ability to quote and purchase the program online and receive coverage documents immediately via email.

Commercial general liability insurance provides protection against liability claims for bodily injury and property damage arising out of the insured's operation as an entertainer or performing group.  The program also provides both legal liability to participants coverage and excess medical payments for participants coverage for claims arising out of injuries to persons invited to participate in the insured's covered activities.  A variety of limits for either annual coverage or single event coverage (10 days or less) are available.  Rates are based on gross annual income from covered activities.


Eligible solo entertainers must meet the following criteria:

  • Must be at least 18 years of age.
  • Annual gross income from the entertainer's activities cannot exceed $100,000.

Eligible bands must meet the following criteria:

  • All groups must have one member or representative who is at least 18 years of age.
  • Annual gross income from the performing group activities cannot exceed $200,000.
  • No more than 30 members in a performing group.

Coverage is offered on an admitted basis in all states and provided through an insurance
carrier rated "A+" (Superior) by A.M.Best Company.  For more information, visit

Motorsports off-track coverage is now just a click away

K&K Insurance now offers off-track physical damage coverage for competition vehicles via the web.  The program, accessible through K&K's newest insurance website,, offers the ability to quote and purchase coverage online and receive coverage documents immediately via email.

K&K's off-track coverage protects competition vehicles from physical damage losses due to fire, theft, trailer upset and most other physical damage claims.  Other items that can be covered are spare parts, tools and equipment.  Coverage is provided while the insured items are stored and transported to and from events and while in paddock or garage areas.  There is no coinsurance requirement.

Minimum premium for the online product is $750, limits up to $250,000 are offered, including a maximum limit of $100,000 of coverage per individual competition vehicle.


New website offers quote and buy online capability for walk and run
event coverage

K&K Insurance announces a new website offering coverage for groups organizing walk or run events.  The website,, offers the ability to quote and purchase liability insurance online with immediate deliver of coverage documents.

The Walk/Run Event Program provides liability protection for the organization, including employees and volunteers, for liability claims arising out of its operations and offers rates lower than the standard sports events program.

Coverage also includes medical payments for participants on an
excess basis.

To qualify for the program, events must meet the following criteria:

      • Maximum of 10,000 participants
      • Events of three days or less
      • Total course distance cannot exceed 16 miles

A variety of limits are offered ranging from $1 million per occurrence with a $5 million aggregate up to $5 million per occurrence with a $5 million aggregate.  Rates are based on whether the event is a non-competitive charity walk/run or a competitive (timed) walk or run event.  The minimum premium for non-competitive events is $150; the minimum for competitive events is $300.  Optional sexual abuse and molestation coverage and ancillary event coverage is also available through this program.


New program for destination resorts now available to agents

K&K Insurance Group, Inc. announced a new program created specifically for destination and vacation resorts including guest ranches.  This resort program is for operations that offer hotel, lodge or cabin rentals and include full service restaurants, bars, spa services and many leisure activities.

Associated exposures may include:
  • Horseback riding/hiking trails
  • Golf courses, driving ranges
  • Fine dining
  • Fishing and hunting
  • Miniature golf and playgrounds
  • Cross-country skiing
  • Recreational boating/canoeing
  • Spas/health and fitness centers
The program is offered in all states.  Available coverage includes general liability, property, commercial auto, excess liability and workers' compensation in select states.  Eligible risks should have management experience of three years or more.  Minimum package premium is $5,000.  Limits up to $25 million for casualty and $100 million for property are available.  Ski rsorts, franchised hotels/motels, waterparks and amusement parks are not eligible for coverage under K&K's resort program.

Coverage is provided through an insurance carrier rated "A+" (Superior), Financial Size Category of XV ($2 billion or greater by A.M. Best Company.  Applications for coverage are available on our Resort Application Page.


Campground program experiencing growth and open to agents 

K&K Insurance announced that its campground program is experiencing growth and will continue to provide competitive insurance coverage for campgrounds in light of carriers withdrawing from the market.

Coverage is available for both private and franchised campgrounds with ancillary activities such as waterslides, amusement devices and motorized boating.  Day camps and some camping-oriented resorts are also eligible for coverage under the program.

Associated exposures may include:

  • Golf courses
  • Golf driving ranges
  • Hiking trails
  • Horseback riding
  • Miniature golf
  • Playgrounds
  • Recreational boating/canoeing
  • Swimming
Coverage available includes general liability, property, commercial auto, excess liability and workers' compensation (in select states).  Eligible risks should have management experience of three years or more.  Minimum general liability premium is $2,500.

Limits offered are $5 million aggregate/$5 million products and completed operations aggregate/$1 million each occurrence.  Options for up to $10,000,000 following form excess liability and ability to place up to an additional $15,000,000 excess liability are available.  Broadened coverage enhancements applicable to the CGL, property and auto lines of business are included.  
In addition to coverage for campgrounds, K&K offers a variety of insurance programs for camps, conference and retreat centers, resorts, special events, sports and entertainment facilities, and other recreational risks.

Coverage is provided through an insurance carrier rated "A+" (Superior), Financial Size Category of XV ($2 Billion or greater) by A.M. Best Company.  For more information, call K&K Insurance toll-free at 877-355-0315.

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