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​Walk/Run Events

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​Walk/Run Events

This program is designed for U.S.-based organizations and/or groups organizing a walking and/or running event.  Coverage provides important liability insurance for the organization, including its employees and volunteers, for liability claims arising out of its operations.  The program also includes medical payments for participants (on an excess basis) for those participating in the event.  To qualify for program coverage, the following criteria must be met: 
  • Maximum number of participants is 10,000
  • Maximum number of event days is 3 days or less
  • Total course distance cannot exceed 16 miles
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.
Eligible Operations

Walking and/or running events with a course distance of less than 16 miles, including but not limited to:

-5k or 10k walk/run-Non-competitive charity walk/runs
-Children's walk/runs-Timed/competitive walk/runs
-Fundraising walk/runs-Walkathons
Ineligible Operations  
-Activist rallies/marches/protests-Mud runs/warrior runs/zombie runs/obstacle course
​-​Adventure races​runs/urbanathons (competitions, exhibitions or foot races
-College or university level championships eventsthat involve man-made obstacle courses, man-made
-Endurance racesmud pits, man-made slippery slopes, wall climbs,
-Events involving animals other than service animals,or other similar man-made obstacles)
​unless reported and approved by the company*​-​Political events
-Events with water activities or cycling activities-Full marathons (distances greater than 16 miles)
 -Events where the distance is more than 16 miles-Professional sports events, try-outs and training
-Glow runs, color runs and similar types events or runscamps/clinics
-Hiking events -Triathlons/duathlons
-Iron man events-
Virtual events/activities
*This is not a complete list of ineligible operations. Contact us for additional information needed for coverage consideration.​ ​ ​
Coverages Available & Program Highlights:

General Liability

Optional Coverages

-Bodily Injury and Property Damage-Ancillary Activities/Events
-Personal & Advertising Injury
-Medical Expense (other than participants)
-Damage to Premises Rented to You (Fire Legal Liability)
-Products-completed Operations
-Legal Liability to Participants
-Medical Payments for Participants
​ ​ ​ ​
Notable Exclusions​ ​ ​ ​
​ ​ ​ ​
-​​24-hour premises liability​-​Events with over 10,000 in total attendance
​-​Aircraft/hot air balloon
​Fungi or bacteria
​-​Amusement devices (the ownership, operation, maintenance
​-​Haunted attractions

​or use of: any mechanical or non-mechanical ride, slide or
​-​Heavy metal, electronic, rap, hip-hop concerts/shows

​water slide, any inflatable recreational device, any bungee 
​operation or equipment, any vertical device or equipment
​-​Legal liability to participants for professional athletes
​used for climbing-either permanently affixed or temporarily

​and celebrity participants
​erected, or dunk tank. Amusement device does not include 
​Medical payments for participant for professional athletes
any video arcade or computer games)

​and celebrity participants
-​​Ancillary activities that require a separate admission
​Nuclear energy liability
​charge and/or are open to the public (unless optional
​-​Operation, ownership or management of any facility or premises,
​Animals (injury or death to, or injury, death or property
​other than while being used for covered activities
​damage caused by any animal owned, rented or hired by you)
​Operations of independent concessionaires, exhibitors and
​Athletic or sports participants in any other sport/athletic
​vendors at your event
Communicable Diseases 
-​​Cryogenic chambers/therapy
​-​Room and board liability
​Employment-related practices
​Saddle animals
Events held outside the United States

​-​Violation of statutes that govern e-mails, faxes, phone calls

​or other methods of sending materials or information

Preliminary Underwriting Information Required
-K&K Applications
-ALL participants and/or parents/guardians of minor participants must sign a release/waiver
-Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and