Amateur Sports Tournaments and Events Insurance

Liability insurance for amateur sports events and tournaments with a maximum of 2,500 participants per event and 7,500 spectators per day. This program is not available in Alaska and Rhode Island.

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K&K’s amateur sports event liability insurance is available for short-term events or on an annual basis for organizers with multiple athletic events. Simply apply and buy online for sports event insurance or sports tournament insurance and receive evidence of coverage immediately.

For sports events not eligible for this program or with more complex sports event insurance requirements, visit our Large Sports Events page for information and applications. For walking and running events, please visit our Walking and Running Event page.

What is eligible?
An amateur sports tournament or event that meets all the following criteria:
Maximum number of participants 2,500
Maximum number of spectators 7,500 per day
Maximum number of event days (including practice days) is 14 days (not including set-up and tear down)
The sport or activity being conducted falls into one of the following eligible classes:
Class 1: Bowling, Dance, Golf, Tennis, Volleyball
Class 2: Baseball, Kickball, Softball
Class 3: Basketball, Flag or Touch Football, On-Shore Fishing, Racquetball, Swimming
Class 4: Cheerleading (age 19 and under), Deck/floor/street hockey, Field hockey, Lacrosse (age 19 and under), Roller hockey (quad), Soccer (age 19 and under), Tackle and Contact football (age 19 and under), Water hockey (age 19 and under), and Wrestling (age 19 and under)
Class 5: Box lacrosse, Cheerleading (age 20 and over), Diving, Dodgeball, Gymnastics, Ice hockey, In-line hockey, Lacrosse (age 20 and over), Martial arts, Inline skating (speed/racing), Soccer (age 20 and over), Speed/racing skating (ice), Water hockey (age 20 and over)

Note: College recruit/showcases, ID Camps, and All-Star/Bowl games may be eligible under this program if they meet the above qualifications.
What is not eligible?
Events involving animals other than service animals
Professional sports events, try-outs and training camps/clinics
College or university level championship events
Highland games
Glow runs, color runs or similar events
Mud runs, warrior runs, zombie runs, obstacle course runs, urbanathons
Competitions, exhibitions or foot races that involve man-made obstacle courses, man-made mud pits, man-made slippery slopes, wall climbs or other man-made obstacles
Sanctioned USA Hockey tournaments and events
Events in the following sports categories (note: this is not a complete list of ineligible sports):
Adventure racing
BMX biking
Boxing
Cycling
Endurance races
Equestrian
CrossFit events/activities
Flex football (ages 20 and over)
In-line (exzreme/stunt/aggressive/free-style) skating
Kite surfing
Marathons (26.2 miles or more)
Mixed martial arts
Mountain biking and/or hiking
Open water events
Rugby
Skateboarding
Skiing (snow or water)
Snowboarding
Streetball
Tackle & contact flag football (ages 20 and over)
Triathlons & Duathlons
Virtual events/activities
Coverages Offered
Commercial General Liability
Bodily Injury & Property Damage
Personal & Advertising Injury
Medical Expense (other than participants)
Damage To Premises Rented to You (Fire Legal Liability)
Products-completed Operations
Legal Liability to Participants (not available for all sports)
Medical Payments for Participants (not available for all sports)

Exclusions include, but are not limited to:
24-hour premises liability
Abuse, molestation, harassment or sexual conduct
Amusement devices (e.g., rides, slides, inflatables, bungees, climbing walls or dunk tanks)
Ancillary activities that require a separate admission charge and are open to the public
Asbestos
Communicable Diseases
Cryogenic chambers/therapy
Employment-related practices
Fireworks
Fungi or bacteria
Haunted attractions
Lead
Legal liability to participants coverage and medical payments coverage for professional athletes and celebrity participants
Nuclear Energy
Operations of independent concessionaires, exhibitors and vendors at your event
Pollution
Room and board liability
What do I need to apply?
Please apply online or complete the appropriate PDF enrollment form and submit as directed in the form. Coverage is subject to underwriting, may not be available to all applicants in all states, and may vary by state. It is important to carefully review the terms and conditions of any insurance quotation. Please contact a K&K representative if you have any questions.
Event brochure (If your tournament or event does not have a brochure, a written statement providing detailed information on the activities being held during your tournament or event must be submitted with the completed enrollment form and premium payment.)
Full payment by check or credit/debit card

Applications

Please click on the link below to download an application. Depending on your browser settings, the application may download directly to your computer without opening. Please check your download folder to find the PDF application document.

Individual Applications

Amateur Sports Tournaments and Events Insurance Program and Enrollment Form
This brochure is valid for effective dates from 7/1/2025 through 2/28/2026
Amateur Sports Tournaments and Events Supplemental Request Form
Certificate of Insurance Request Form
Event Liquor Liability Form

Phone

800-426-2889
Email

Email us

How do I determine who should be the named insured?

The named insured is the organization hosting the tournament or event.
You have four sports event insurance coverage options, what are the differences?

Coverage options A and B offer commercial general liability, legal liability to participants and medical payments for participants. Coverage options C and D offer commercial general liability coverage to spectators. Coverage for bodily injury liability and medical claims to participants is excluded.
If my event includes multiple sports how do know which sport classification to use according to your eligible operations?

You will use the highest sport classification for all participants. For example, if your event includes class 2 and class 5 participants, use class 5.
Can I combine sports event insurance coverage options?

No. You must select one coverage option.
I am not sure how many participants or spectators will attend my tournament or event, what do I report?

If this tournament or event is held annually, base your participant or spectator count on the prior year’s total numbers. If this is a new tournament or event, please use the maximum number of participants or spectators that your tournament or event can accommodate.
If I have multiple events or multiple tournaments during the same time period, do I need to complete another enrollment form?

Yes. This program offers coverage for single tournaments or events.
What happens if I need to cancel or re-schedule my tournament or event?

Cancellations or changes must be reported prior to the scheduled start date of your tournament or event and confirmed in writing for a refund or credit to be considered.
When does my coverage start?

Coverage can be bound following K&K’s receipt of a completed enrollment form, a copy of your event brochure and the required premium. The effective date of coverage can either be the first day of set-up or the first day of your event. Coverage will be bound the day after we process the required enrollment form, brochure and premium. We request that adequate time is allowed for us to process your enrollment form and issue certificates.
Why do you require an event brochure to bind sports event insurance coverage?

This is a requirement of the carrier to be able to bind coverage. If your tournament or event does not have a brochure, a written statement providing detailed information on the activities being held during your tournament or event must be submitted with the completed enrollment form and premium payment.
Will I receive a policy after I submit the enrollment form?

No. You will receive a certificate of insurance as evidence of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the RPG. The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, In., PO Box 2338, Fort Wayne, IN, 46801-2338.

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Amateur Sports Tournaments and Events Insurance

Program Highlights

What is eligible?

What is not eligible?

Coverages Offered

What do I need to apply?

Applications

Did you know?

Contact Information for Amateur Sports Tournaments and Events

Phone

Email

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Frequently Asked Questions

How do I determine who should be the named insured?

You have four sports event insurance coverage options, what are the differences?

If my event includes multiple sports how do know which sport classification to use according to your eligible operations?

Can I combine sports event insurance coverage options?

I am not sure how many participants or spectators will attend my tournament or event, what do I report?

If I have multiple events or multiple tournaments during the same time period, do I need to complete another enrollment form?

What happens if I need to cancel or re-schedule my tournament or event?

When does my coverage start?

Why do you require an event brochure to bind sports event insurance coverage?

Will I receive a policy after I submit the enrollment form?

Why choose K&K?

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