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Activity & Social Clubs



                               

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.

 
Eligible Operations
 
- Art - Cultural
- Bird watching - Game or card (non-gambling)
- Book - Garden
- Calligraphy - Genealogy
- Collector - History
- Computers - Needlework
- Cooking - Puppetry
- Craft making - Scrap booking
 
Coverages Available & Program Highlights:    
     
General Liability Optional Coverages Available
- Products-completed operations Aggregate - Equipment & Contents (Inland Marine)
- Personal & Advertising Injury - Abuse, Molestation, Harassment or Sexual Conduct
- $300,000 Damage to Premises Rented to You Defense Cost Reimbursement Coverage
- Hired Auto and Employers' Nonownership Liability - Directors' & Officers' Liability including Employment
(not provided while in Hawaii) Practices Liability
- Legal Liability to Participants - Sexual Abuse or Sexual Molestation Liability
- $5,000 Medical Expense (other than members/participants)
- Medical Payments for Participants (excess) - $100 deductible
- Professional Liability
 
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.)
 
- Acrobatic or circus performing programs - Instruction in first aid, CPR, or life-saving/life guarding
- Addiction or illness support groups - Nutritional and weight loss programs
- Boys or girls clubs - Political activist and/or governmental groups
- Boy scouts or girl scouts - Programs dedicated to discipline, rehabilitation or
- Country Clubs behavior modification
- Dating Club, programs or organizations - Programs or activities involving animals
- Day care or adult before and/or after school care operations - Programs or activities that involve weapons or firearms
latch key programs, babysitting or childcare clubs - School accredited classes, programs or clubs
or programs - Senior centers
- Faith based or religious studies - Sports teams, leagues or associations or sporting
- Fitness clubs events/activities
- Fraternities or sororities - Vehicle owner clubs
- Groups under the direction of a professional counselor - Veterans or military organizations (e.g.: American
or therapist Legion, Elks, Moose, Knights of Columbus)
- Historical battle re-enactment groups - Wine/beer/alcohol clubs
 
Notable Exclusions
 The following represent only some of the exclusions contained in this policy.
 
- Abuse, molestation, harassment or sexual conduct - Fireworks
- All operations listed as ineligible - Gambling activities or events
- Amusement devices (e.g.: rides, slides, inflatables, bungees - Haunted attractions
climbing walls, dunk tanks) - Hiking on ungroomed trails or orienteering
- Asbestos - In or on water activities
- Employment-related practices - Operation, ownership or management of any
- Events where the insured is required to hold a liquor facility or premises, other than while being used
license or permit for covered activities
- Events or activities hosted, sponsored or organized by the - Outside concessionaires and vendors in conjunction
insured that are open to the public with your organization
​-​Transportation of members/participants
 
Preliminary Underwriting Information Required
- K&K Applications
- Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and
  payment