Activity & Social Clubs - K&K Insurance Group, Inc.

*********************************************************************************** NOW AVAILABLE - Buy Coverage On-line! *********************************************************************************** This program has been designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. For those clubs or groups specifically reported to and approved by K&K, covered operations consist of your scheduled, sanctioned, organized and supervised activities in which your members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which you participate, picnics, banquets and ceremonies. Coverage for activities not related directly to the club’s common interest must be pre-reported and approved by K&K.
Eligible Operations

-	Art	-	Game or card (non-gambling)
-	Bird watching	-	Garden
-	Book	-	Genealogy
-	Calligraphy	-	Genealogy
-	Collector	-	History
-	Computers	-	Nature
-	Cooking	-	Needlework
-	Craft making	-	Puppetry
-	Faith based or religious studies	-	Scrap booking


Coverages Available & Program Highlights:

General Liability		Optional Coverages Available
-	Products-completed operations Aggregate	-	Equipment & Contents (Inland Marine)
-	Personal & Advertising Injury	-	Abuse, Molestation, Harassment or Sexual Conduct
-	$300,000 Damage to Premises Rented to You		Defense Cost Reimbursement Coverage
-	Hired Auto and Employers' Nonownership Liability	-	Directors' & Officers' Liability including Employment
	(not provided while in Hawaii)		Practices Liability
-	Legal Liability to Participants
-	$5,000 Medical Expense (other than members/participants)
-	Medical Payments for Participants (excess) - $100 deductible
-	Professional Liability

Risks Not Eligible Under This Program: (Including but not limit to)
The following operations are not eligible for this program. (Please note, this is not a complete listing of ineligible operations.)

-	Acrobatic or circus performing programs	-	Nutritional and weight loss programs
-	Addiction or illness support groups	-	Philanthropy groups
-	Boys or girls clubs	-	Political groups
-	Boy scouts or girl scouts	-	Programs dedicated to discipline, rehabilitation or
-	Country Clubs		behavior modification
-	Dating Club, programs or organizations	-	Programs or activities involving animals
-	Day care or adult before and/or after school care operations	-	Programs or activities that involve weapons or firearms
	latch key programs, babysitting or childcare clubs	-	Retreats
	or programs	-	School accredited classes, programs or clubs
-	Fitness clubs	-	Senior centers
-	Fraternities or sororities	-	Sports teams, leagues or associations or sporting
-	Groups under the direction of a professional counselor		events/activities
	or therapist	-	Vehicle owner clubs
-	Historical battle re-enactment groups	-	Veterans or military organizations (e.g.: American
-	Instruction in first aid, CPR, or life-saving/life guarding		Legion, Elks, Moose, Knights of columbus)

Notable Exclusions
The following represent only some of the exclusions contained in this policy.

-	Abuse, molestation, harassment or sexual conduct	-	Fireworks
-	All operations listed as ineligible	-	Gambling activities or events
-	Amusement devices (e.g.: rides, slides, inflatables, bungees	-	Haunted attractions
	climbing walls, dunk tanks)	-	Outside concessionaires and vendors in conjunction
-	Asbestos		with your organization
-	Employment-related practices	-	Operation, ownership or management of any
-	Events where the insured is required to hold a liquor		facility or premises, other than while being used
	license or permit		for covered activities
-	Events or activities hosted, sponsored or organized by the	-	Transportation of members/participants
	insured that are open to the public

Preliminary Underwriting Information Required

-	K&K Applications
-	Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and
	payment

NOW AVAILABLE - Buy Coverage On-line!