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Short Term Special Events

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This program is for those who are hosting/organizing an event.  Concessionaires, entertainers and/or vendors
click here for coverage.  



This insurance program is specifically designed for the organizers of short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
    (For events with attendance over 3,000, please click on Applications & Printable Documents link above and complete
    the pdf application found there)
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event location must be held in the U.S.


Note: Special Events that may not be eligible for the program outlined below and/or have more complex coverage needs should visit
our Special Events  program administered in our Events Unit.

Eligible Operations
-Achievement Celebration-Fundraising/Benefit/Charity Event
​-After prom parties (school-sponsored event only)​-Gaming Event/Contest (i.e. chess, video game, cornhole)
-Anniversary Party-Grad Night In (school sponsored only)
-Auction-Graduation Ceremony
-Award Presentation/Banquet-Graduation Party
-Baby Shower-Grand Opening Event
-Bake Sale-Holiday Celebration
-Ball/Dance-Housewarming Party
-Banquet-Job Fair/Expo
-Bar/Bat Mitzvah-Magic Show
-Billiard Event/Tournament-Memorial Service
-Bingo Event (for fundraising/charity only)-Picnic (no water activities)
-Birthday Party-Poetry Reading
-Book Signing-Private Dinner/Lunch
-Bridal Shower-Prom/School Dance
-Business Meeting-Quinceanera
-Car Wash (for fundraising/charity only)-Recital (dance/music)
-Casino Game/Gambling Event (for fundraising/charity only)-Reunion
-​Club Meeting​-School Band/Drill Team Competition
​-Comedy Show​-School Carnival (no rides)
​-Convention​-Show (i.e. craft, fashion, home)
​-Corporate Private Party​-Speaking Engagement
​-Debutante Ball/Pageant​-Stage Play/Musical (no concerts)
​-Estate/Yard/Garage/Consignment Sale​-Talent Show (children only)
​-Engagement Party​-Tradeshow/Exposition
​-Farmers Market​-Wedding Ceremony
​-Festival​-Wedding (one location only)
​-​Film Screening​-Wedding Reception​
​-​First Communion​-​Wedding Rehearsal Dinner
​-​Flea Market/Swap Meet​-​Wedding Shower
-Food Cooking Contest

Ineligible for this program:

Certain event types are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage.
The ineligible event types include, but are not limited to the following (and are excluded from coverage):
-Activist Rally/March/Protest-Dance Competition*
-Aircraft Show/Event*-Easter Egg Hunt (one location - paper application only)
-Alcohol Tasting Event (paper application only)-Events involving any motorized vehicles(s) in, or while in
-Animal Obedience Trainingpractice for, or while being prepared for, or while qualifying for,
-Animal Show (paper application only)or while testing for any racing, speed, demolition, distance
-Any event held on airport premises*or stunting activity
-Any event honoring national and/or local celebrities or-Film/Photo Shoot
professional athletes*-Food Eating Contest
-Any event and/or concert involving rap, hip-hop,-Fraternity/Sorority Event
heavy metal/screamo or techno/electronic-Geocaching Event
-Any event involving water activities*-Gun/Knife Show
-Any event lasting more than 10 consecutive days*-Haunted Attraction/Event
-Any event taking place at multiple locations*-Health Fair/Exposition
-Any event taking place outside of the United States-Maze (corn/hay/fence)
-Any event with more than 12,000 in total attendance-Parade (and any event involving a parade)*
(total attendance=number of event days x attendance per day)*​-Political Event*
​-Athletic Event/Competition (or any event involving​-Pumpkin Chunkin Event
athletic/sports activities)*​-Rave
​-Balloon Festival*​-Religious Revival/Crusade (paper application only)
-Battle Re-enactment*-Religious Service (paper application only)
-​​Beer/Wine Festival (paper application only)​-​Retreat (or any event with an overnight exposure)*
​-​Car/Truck/Motorcycle/RV/Boat Show (paper application only)​-​Seance
​-​Christmas Tree Sale/Lot​-​Tailgate Event
​-​Circus​-​Tractor Pull*
​-​Color/Foam Party​-​Union Meeting
​-​Concert (paper application only)​-​Walk/Run Event*
*Please contact K&K at 1-800-328-2317 for coverage options for these types of events.

Coverages Available & Program Highlights

Commercial General Liability
-Personal and Advertising Injury  
-Medical Expense  
-Damage To Premises Rented to You  
-Products-Completed Operations  

Notable Exclusions

-Abuse molestation, harassment, or sexual conduct-Designated operations exclusion - those events listed
-Aircraft/hot air balloon - ownership, operation, as ineligible
maintenance or use-E-commerce consulting
-Airport - ownership, operation, maintenance or use-Events with over 3,000 in total attendance
-Amusement devices - the ownership, operation,-Events held at multiple locations
 maintenance or use of: any mechanical or non--Fireworks
mechanical ride, slide or water slide, any inflatable-Fungi or bacteria
recreational device, any bungee operation or  equipment,-Lead
 any vertical device or equipment used for climbing --Nuclear energy
 either permanently affixed or temporarily erected, or-Performers
dunk tank. Amusement devices do not include any -Petting zoos
 video or computer games or structures that are not -Room and board liability
 designed to bounce on, slide on, ride on or tunnel through.-Saddle animal - ownership, operation, maintenance, use,
-Animals - injury or death to any animal; injury, deathloading or unloading of any saddle animal, including
or property damage caused by any animal owned,but not limited to, riding any saddle animal or riding
rented or hired by youon any vehicle which is drawn or powered by any animal
-Asbestos-Sexually transmitted diseases
-Claims arising out of the operations of concessionaires,-
Silica or silica-related dust
exhibitors and vendors at your event-
​-​Communicable Diseases
-​​Total pollution with a building heating, cooling and dehumidifying
​Cyber incident, data compromise and violation of statutes
​equipment exception and hostile fire exception

​related to personal data
​Unmanned aircraft
Preliminary Underwriting Information Required
The following information is required 10 business days prior to the desired effective date:
-Completed and signed enrollment form
-Full premium payment by check or credit/debit card