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​Instructional Academies and Enrichment Program

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This insurance program has been specifically designed to meet the unique needs of U.S.-based owners and operators providing instructional academies and enrichment programs who have a total annual revenue (revenue before expenses) of $500,000 or less. Liability coverage provided includes important protection for operations, including it's employees, for injuries to both guests and participants arising out of covered activities. This program can accommodate those organizations that have annual operations at facilities they own or manage, as well as those who have annual operations but do not own or lease a facility.

Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Application for this program can be found here.

Eligible Operations/Facilities
-Academic instructional programs-Speed/agility training
-Annual camp/clinic operations-Sports training
-Instructional cooking programs-Youth enrichment programs
-Music/art instruction 
Coverages Available & Program Highlights:  
General LiabilityOptional Coverages Available
-General Liability - $1,000,000 to $5,000,000 per occurrence-Equipment & Contents (Inland Marine)
limits available-Abuse, Molestation, Harassment or Sexual Conduct
-Legal Liability to ParticipantsDefense Cost Reimbursement Coverage
​-​Hired Auto and Employers' Nonownership Liability​-Liability for Independent Contractors
-Professional Liability 
-Medical Expense for Participants (excess) 
Activities not covered:
The following activities are not covered under this program.
-Adult lacrosse-Gymnastics
-Adult soccer-Ice hockey
-Adult tackle football-Ice rink operations
-Amusement devices-Inflatable games
-BMX operations-Iron man/tough man events
-Boxing-Laser tag
-Bubble soccer-Licensed day-care operations
-Bungee jumping-Man-made challenges/obstacles or obstacle runs
-Carnivals/circuses/fairs-Mixed martial arts
-Children's play structures-Paint ball/reball
-Comedy shows-Rock climbing walls
-Concerts-Skate parks
-Dodgeball-Swimming pools/water attractions
-Go-karts or other motorized racing-Tanning bed operations
Ineligible Operations
The following operations are not eligible for this program.
-24 hour facilities-Ice/Roller skating rinks
-Bowling centers-Laser tag
-Boxing/Mixed martial arts facilities-Paintball
-Day care/child facilities-Skate parks
-Gymnastic/Parkour facilities-Swimming pools/facilities
-Health clubs-Trade school, college or university classes
NOTE: Ineligible programs may qualify for coverage under another K&K program. Please contact our office for additional information.​ ​ ​ ​
Preliminary Underwriting Information Required
-Application attached to this page above (see pages 2-10)
-​​Copy of sample waivers and contracts
​-​Four years of company loss runs
​-​Brochure (if available)
-12 month income statement