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This program has been designed for U.S.-based teams, leagues, clubs and associations conducting youth or adult amateur sports activities. Coverage provided under this program includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. For eligible sports and age groups reported to K&K, covered operations consist of your scheduled, sanctioned, approved, organized and supervised practices, try-outs, clinics, games, play-offs and tournaments in which you participate or host. In addition, coverage is provided for your concession stand operations, parades in which you participate, picnics, award banquets and ceremonies and incidental fund-raising activities involving the sale of products, coupons, raffle tickets and services, such as; car washes, bake sales and coin drops for those sports and age groups reported to us.

Eligible Operations

Operations providing instruction, practice, and competition in the following sports and age groups are eligible for this program, with coverage to be provided based on Class A or Class B classifications.

Class A Sports
-Box Lacrosse-Lacrosse (age 20 & over)
-Broomball-Roller hockey (inline)
-Diving-Umpire/referee associations for Class A sports
-Water hockey (age 20 & over)
​Flex FootballTM (age 20 & over)
-​Water Polo (age 20 & over)
-Gymnastics-Weightlifting (age 20 & over)
-Ice Hockey-​Wrestling (age 20 & over)
​-​Inline Hockey

-​​Inline Skating (speed)
Class B Sports
-Team handball
-Dance team (age 19 & under)
-Drill team (age 19 & under)
-Track & field
-Flag/touch football
-Ultimate frisbee
-Umpire/referee associations for Class B sports
-Water polo (age 19 & under)
-Weightlifting (age 19 & under)
Class C Sports​ ​ ​ ​
-​​Cheerleading (age 19 & under)​-​Soccer (age 19 & under)
​-​Deck/floor/street hockey​-​Tackle & contact football (age 19 & under)
​-​Field hockey
​-​Umpire/referee associations for Class C sports
Flex FootballTM (age 19 & under)
-​​Water hockey (age 19 & under)
​-​Lacrosse (age 19 & under)​-Wrestling (age 19 & under)
-Roller hockey (quad)


Ineligible Operations

-BMX/Stunt Cycling
-Mixed martial arts
-Boating activities/sports
-Open water sports/activities
-Cheerleading (age 20 & over)-Shooting Sports
​-​Dance team (age 20 & over)​-​Skiing (snow or water)
-Drill team (age 20 & over)-Soccer (age 20 & over)*
-Equestrian-Strength & Conditioning
- Gymnastics/cheer/dance/martial arts studios-Surfing
-Inline extreme/stunt/aggressive/free-style skating-Tackle and Contact Football (age 20 & over)
-Intercollegiate/Interscholastic Teams, Leagues and -
Umpire/referee associations involved with any ineligible
Associationssports operations
​*Contact us regarding our new program designed specifically for adult soccer teams, leagues and associations.

Sports Groups that are affiliated with the following organizations are Not eligible for this program but may contact our Sports Unit.

-American Legion Baseball
-Soccer Association for Youth, USA (SAY Soccer)
-Babe Ruth/Cal Ripken Baseball
-U.S. Youth Soccer Association                   
-Babe Ruth Softball
-World Adult Kickball Association (WAKA®)
-Pop Warner


Coverages Available

Commercial General LiabilityOptional Coverages Available
-Bodily Injury & Property Damage-Directors' and Officers' Liability including Employment
-Medical Payments for Participants (not available for all sports) Practices Liability 
-Personal & Advertising InjuryEquipment and Contents (Inland Marine)
-Medical Expense (other than participants)-Hosted Tournament Coverage
-Damage To Premises Rented to You

-Products-Completed Operations

-Legal Liability to Participants (not available for all sports)
-Professional Liability (not available for all sports) 
-Hired Auto and Employers Nonownership Liability (not
provided while in Hawaii)                      

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.
Coverage can be provided to tournaments you host that include participants that are not registered members of your organization. An additional fee will apply.

Notable Exclusions

-24-hour premises liability-Employment related practices
-Abuse, Molestation, harassment or sexual conduct-Events involving gambling (e.g.: bingo, casino nights, poker,
​Aircraft/hot air balloon
​Texaxs hold'em tournaments)
​Events where alcoholic beverages are furnished or served by you,
-Amusement devices (the ownership, operation, maintenance

your employees or your "volunteer workers"

or use of: any mechanical or non-mechanical ride, slide or
water slide, any inflatable recreational device, any bungee
Fungi or bacteria

operation or equipment, any vertical device or equipment used
-Gymnastics studios

​for climbing-either permanently affixed or temporarily erected,
-​​Haunted attractions

​or dunk tank. Amusement devices do not include any video or
-​​Intercollegiate & Interscholastic teams, leagues and associations

​computer games or any device that is specifically designed for

​the training or instruction of the activity for which you are 
​Martial arts studios

Non-rostered participants at tournaments hosted by the enrolled
-Animals (injury or death to, or injury, death or property damage
member (unless optional coverage is purchased)

​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, Diving,
field, other than while being used for covered activities

Dodgeball, Flex FootballTM (age 20 & over), Gymnastics, Hurling,
-Operations of independent concessionaires/vendors in 

Ice hockey, Inline hockey, Inline skating (speed), Judo, Karate,
conjunction with your organization

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

over), Ringette, Roller hockey (inline), Taekwondo, Takraw, 
Umpire/referee association for Class A Sports, Water hockey (age
Saddle animals

​20 & over), Water polo (age 20 & over), Weightlifting (age 20 &

​over), Wrestling (age 20 & over)
S​ports events/activities involving participants in sports other
​Babysitting/child care services
​than those reported and for whom premium has been paid
Those operations listed as ineligible
​Cheer and dance studios
​Transportation of athletes/participants
​Commercial general liability standard exclusions
Violation of statutes that govern e-mails, faxes, phone calls

​(CG0001 4/13 edition)

or other methods of sending materials or information
​Communicable disease

​-Cryogenic chambers/therapy


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

NOW AVAILABLE - Buy Coverage On-line!