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This program is 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 scheduled, sanctioned, organized and supervised activities in which 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 the insured participates, 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.
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company. |
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| Eligible Operations |
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| - | Amateur youth robotic or STEM clubs (grades 8 and below only) | - | Game or card (non-gambling) |
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Art |
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Garden |
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Bird watching |
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Genealogy |
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Book |
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History |
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Calligraphy |
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Model train or model car clubs |
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Collector |
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Needlework |
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Computers |
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Peer support groups (no professional or licensed facilitators) |
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Cooking |
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Puppetry |
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Craft making |
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Scrap booking |
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Cultural |
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| Coverages Available & Program Highlights: |
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| General Liability |
Optional Coverages Available |
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Products-completed operations Aggregate |
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Equipment & Contents (Inland Marine) |
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Personal & Advertising Injury |
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Abuse, Molestation, Harassment or Sexual Conduct |
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$300,000 Damage to Premises Rented to You |
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Defense Cost Reimbursement Coverage |
| - | Hired Auto and Employers' Nonownership Liability | - | Directors' & Officers' Liability including Employment |
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(not provided while in Hawaii) |
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Practices Liability and NEW Cyber Privacy and Client |
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Legal Liability to Participants |
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Identity Theft endorsement |
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$5,000 Medical Expense (other than members/participants) |
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Sexual Abuse or Sexual Molestation Liability |
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Medical Payments for Participants (excess) - $100 deductible |
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Professional Liability |
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Risks Not Eligible Under This Program: (Including but not limited to) |
| The following operations are not eligible for this program. (Please note, this is not a complete listing of ineligible operations.) |
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Acrobatic or circus performing programs |
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Nutritional and weight loss programs |
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Addiction support groups |
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Political activist and/or governmental groups |
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Boys or girls clubs |
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Programs dedicated to discipline, rehabilitation or |
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Boy scouts or girl scouts |
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behavior modification |
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Country Clubs |
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Programs or activities involving animals |
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Dating Club, programs or organizations |
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Programs or activities that involve weapons or firearms |
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Day care or adult before and/or after school care operations, |
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School accredited classes, programs or clubs |
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latch key programs, babysitting or childcare clubs |
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Senior centers |
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or programs |
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Sports teams, leagues or associations or sporting |
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Faith based or religious studies |
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events/activities |
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Fitness clubs |
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Vehicle owner clubs |
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Fraternities or sororities |
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Veterans or military organizations (e.g.: American |
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Groups under the direction of a professional counselor |
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Legion, Elks, Moose, Knights of columbus) |
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or therapist |
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Wine/beer/alcohol clubs |
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Historical battle re-enactment groups |
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Instruction in first aid, CPR, or life-saving/life guarding |
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Notable Exclusions |
| The following represent only some of the exclusions contained in this policy. |
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Abuse, molestation, harassment or sexual conduct |
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Fireworks |
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All operations listed as ineligible |
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Gambling activities or events |
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Amusement devices (e.g.: rides, slides, inflatables, bungees |
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Haunted attractions |
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climbing walls, dunk tanks) |
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Hiking on ungroomed trails or orienteering |
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Any events or activities involving or promoting tobacco |
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In or on water activities |
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or cannabis |
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Operation, ownership or management of any |
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Asbestos |
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facility or premises, other than while being used |
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Communicable Diseases (effective 7/1/20 and after) |
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for covered activities |
| - | Employment-related practices | - | Outside concessionaires and vendors in conjunction |
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Events where the insured is required to hold a liquor |
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with your organization |
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license or permit |
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The use of power tools, unmanned aircrafts and combustion |
| - | Events or activities hosted, sponsored or organized by the | - | Transportation of members/participants |
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| Preliminary Underwriting Information Required |
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K&K Applications |
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Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and |
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payment |