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News and Updates

New e-commerce website available offering quoting and purchasing capabilities for outfitter and guide operations

K&K now offers a new website that provides easy access to online insurance quoting and purchasing capability for outfitter and guide (O&G) operations:  The website offers the capability to purchase coverage for operations offering any of the following combination of activities:  water operations including Class I, II, III, rivers, flat water, and sea kayaking (guided); fishing (guided); paddling schools; non-motorized watercraft/tube rental-only operations (non-guided); hunting (guided); hiking; backpacking; bicycling; cross-country skiing; snowshoeing; surfing; or paddleboarding.

To be eligible, the insured must have been in business for at least one year or have three years of equivalent experience.  Total gross receipts for the business must be less than $750,000, retail cannot exceed 80% of the total receipts and owned lodging/cabins cannot exceed 50% of total receipts.  Snorkeling and shoreline sailing must be less than 10% of total receipts.  This program's minimum premium is $1,000 and is not available via the e-commerce website in Kentucky.

Incidental activities covered include:  retail sales of merchandise and equipment; food/beverage services; athletic courts; participation in demonstration days, trade shows or events; equipment rental; office exposures; and motorized watercraft (less than 250hp) for camping.

Limits offered are $2 million aggregate/$1 million per occurrence; $2 million aggregate/$2 million per occurrence; or $3 million aggregate/$3 million per occurrence.  Medical payments are excluded.

Inland marine coverage that provides coverage for equipment & contents and supplies & inventory is now available with limits up to $100,000.  Replacement cost coverage is included.

Outfitters and Guides who are not eligible under these guidelines may be eligible for our non-RPG Outfitters & Guides Program.  Contact us at 1-800-440-5580 to speak with an underwriter.

WALK/RUN EVENTS - a new program with significantly reduced rates

K&K Insurance now offers a new specialty program designed for groups organizing walk or run events offering rates lower than the standard sports tournaments and events programs. 
Click here to download an application.

The Walk/Run Event Program provides liability protection for the organization, including employees and volunteers, for liability claims arising out of its operations.  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.  Coverage is offered on an admitted basis and provided through an insurance carrier rated "A+" (Superior) by A.M. Best Company.

Helpful Resources for Preventing Sexual Abuse

Organizations that work with children must always keep the safety of participants as their highest priority; it is vital that youth-serving organizations create an environment where sexual abuse is discussed and prevented.

The Centers for Disease Control and Prevention (CDC) offers a variety of helpful publications that can assist your organization in the development of policies and strategies designed to prevent abuse.  For more information, visit the CDC's website at:


   Top Online Programs:

     Amateur Sports Teams and Leagues -     

     This program is designed for teams, leagues, clubs and associations 
     conducting youth or adult amateur sports activities.  Coverage provided 
under this program includes liability protection for the organization, 
     including its employees and volunteers, for liability claims arising out of
     its operations.  In addition, coverage is provided for registrations,
     meetings, concession stand operations, parades, picnics, award
     banquets and ceremonies and incidental fund-rasing activities.

more >

     Fitness Instructors -  

     This insurance program has been specifically designed to meet the unique
     needs of a U.S.-based personal training, exercise, aerobic or yoga/Pilates
     instructor directly supervising an individual or group engaged in fitness and
     exercise activities.


more >
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Not-For-Profit Sports, Leisure, Motorsports Organizations

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Catholic Diocese Tulip
Tenant User Liability

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Outfitters & Guides