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Amateur Sports - Tournaments & Events

Administered by K&K Insurance Group Inc.

Phone 1-800-637-4757
Fax 1-866-463-3230
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  Glossary | Buy On-line


This program is designed to provide coverage on a short term basis for a single amateur sports tournament or event.  Coverage provided under this program includes important liability coverage for the U.S.-based organizations conducting the event, including the employees and volunteers, for liability claims arising out of its operations. Coverage is also included for ancillary activities (banquets, concerts, awards ceremonies) that are for those participants in your sports tournament or event. 
Eligible Operations

An amateur sports tournament or event that meets all of the following criteria is eligible to submit an enrollment form for coverage under this program:

  • Maximum number of participants is 2,500, per event
  • Maximum spectator attendance per day is 7,500
  • Maximum number of event days (including practice days) is 14 days (not including set-up and tear down)
  • The sport activity being conducted falls into one of the listed 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 & under), Deck/floor/street hockey, Field hockey, Flex FootballTM (age 19 & under), 
    Lacrosse (age 19 & inder), Roller hockey (quad), Soccer (age 19 & under), Tackle & Contact football (age 19 & under),
    Water hockey (age 19 & under), Wrestling (age 19 & under).
    Class 5: Box lacrosse, Cheerleading (age 20 & over), Diving, Dodgeball, Gymnastics, Ice Hockey, In-line hockey,
    Inline skating (speed/racing), Lacrosse ( age 20 & over), Martial arts, Soccer (age 20 & over), Speed/racing skating (ice),
    Water hockey (age 20 & over)
Ineligible Operations
  • College or university level championship events
  • CrossFit® events/activities
  • Events involving animals other than service animals
  • Glow runs/color runs/similar type events or runs
  • Highland games
  • Mud runs/warrior runs/zombie runs/obstacle course runs/urbanathons (competitions, exhibitions or footraces that involve man-made obstacle courses, man-made mud pits, man-made slippery slopes, wall climbs, or other similar man-made obstacles)
  • Professional sports events, tryouts and training camps/clinics
  • Sanctioned USA Hockey tournaments & events
  • 100% Virtual events/activities

  • Events in the following sport categories (Note: This is not a complete listing of ineligible sports):
- Adventure race- Mountain Biking and/or Hiking
- BMX Biking
- Open Water Event
- Boxing
- Rugby
- Cycling
- Skateboarding
- Endurance race- Skiing (snow or water)
- Equestrian
- Snowboarding
Flex FootballTM (age 20 & over)
- Inline (extreme/stunt/aggressive/free-style) skating- Tackle and Contact Football (age 20 & over)
- Kite Surfing
 - Triathlons & Duathlons
-Marathons (26.2 miles or more)-Wrestling (age 20 & over)
-Mixed Martial Arts


Coverages Available

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)    

Program Features

Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.

Notable Exclusions

- 24-hour premises liability
- Communicable disease
- Abuse, molestation, harassment, or sexual conduct-
Cryogenic chambers/therapy
​Aircraft/hot air balloon
​Employment-related practices
​Events that last more than 14 days (not including set-up and
- Amusement devices (the ownership, operation, maintenance or
tear-down), unless reported, approved and the premium paid)

​use of: any mechanical or non-mechanical ride, slide or water

​slide, any inflatable recreational device, any bungee operation
-​​Fungi or bacteria

​or equipment, any vertical device or equipment used for
-​​Haunted attractions

​climbing - either permanently affixed or temporarily erected,
​Heavy metal/screamo, electronic/techno, rap, hip-hop

​or dunk tank. Amusement devices do not include any video

​or computer games)
​Ancillary activities that require a separate admission charge
-​​Legal liability to participants for professional athletes and
and is open to the public (unless optional coverage is

celebrity participants

purchased-attendance must be 3,000 or less)
- Medical payments for participants for professional athletes and
Animals (injury or death to, or injury, death or property 
celebrity participants

damage caused by any animal owned, rented or hired by you)
-Nuclear energy liability
-​Operation, ownership or management of any athletic facility or
- Athletic or sports participants in: Box lacrosse, Broomball, 

field, other than while being used for covered activities

Cheerleading (age 20 & over), Diving, Dodgeball,
​-Operations of independent concessionaires, exhibitors and

Drill/majorette team (age 20 & over), Gymnastics, Hurling,
vendors at your event

Ice hockey, Inline hockey, Inline skating (speed/racing), Judo,

​Karate, Lacrosse (age 20 & over), Martial arts, Powerlifting

​(age 20 & over), Ringette, Roller hockey (inline), Soccer
​Room and board liability

​(age 20 & over), Speed/racing skating (ice), Taekwondo, 
​Saddle animals

​Takraw, Water hockey (age 20 & over), Water polo (age 20 & 

​over), Weightlifting (age 20 & over)
​Those operations listed as ineligible
Commercial general liability standard exclusions
Violation of statutes that govern e-mails, faxes, phone calls or

(CG0001 4/13 edition)
other methods of sending materials or information


Underwriting Information Required

The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form  
- Full Payment by check or credit/debit card