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Short Term Special Events


This program is for those who are hosting/organizing an event. 
Concessionaires, exhibitors and/or vendors
click here for coverage.

This insurance program has been specifically designed for the organizers of short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
    (If the attendance is over 3,000 for an event, please click on the Applications & Printable Documents link above for a printable application that can be submitted)
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event location must be held in the U.S.


Note: Special Events that may not be eligible for the program outlined below and/or have more complex coverage needs should visit
our Special Events  program administered in our Events Unit.

Eligible Operations
- After prom parties (school-sponsored event only) - Food cooking contests
- Auctions - Graduation ceremonies
- Award presentations - Job fairs
- Ball/dances - Lectures/seminars/workshops
- Banquets - Meetings
- Bar mitzvah or bat mitzvah - Memorial Services
- Bazaars - Pageants
- Benefits - Parties
- Billiard events/tournaments - Picnics (no in or on water activities)
- Bingo games (for charity/fundraising only) - Poet or poetry readings
- Book signings - Proms
- Card games/events (for charity/fundraising only) - Quinceanera
​-​Car/Motorcycle/RV/Boat shows - static display only​-Recitals (dance, music)​
- Car washes (for charity/fundraising only) - Religious events
- Casino events (for charity/fundraising only) - Reunions
- Celebrations (holiday, New Year) - Sales (bake, charity, consignment, estate, garage)
- Chamber of commerce business event/mixer - School band or drill team competitions
- Charity events - School carnivals (no rides/inflatables)
- Chess events - Showers (baby, bridal, wedding)
- Christmas caroling (single location) - Shows (animals-arena setting only, antique, art,
- Christmas lighting ceremony baby, business, collector, consumer, craft, fashion,
- Conventions flower, garden, home, stage, wedding)
- Debuts or debutante balls - Social gatherings or receptions
- Dinners, luncheons or showers - Speaking engagements
- Direct selling consultant parties - Talent search/shows - children only
- Easter egg hunts - Telethons
- Farmers' markets - Theatrical performances or musicals
- Festivals - Walking tours (garden, holiday, parade of homes,
- Film screenings or showings historical sites) - single location
- Flea markets or swap meets - Wedding activities (rehearsal, ceremony or reception)

Ineligible for this program:

Certain event types are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage.
The ineligible event types include, but are not limited to the following (and are excluded from coverage):
- Activist rallies/marches/literature distribution - Fraternity or sorority events*
- Airshows - Geocaching events
- Animal obedience training - Gun and/or knife shows
- Athletic events and competitions*  -  Haunted attractions
- Bonfires  -  Health fairs or shows
​-Cannabis related events-​Historical battle reenactments​
​-​Cinematography and photography for commercial use​-In-or-on water activities
- Circuses - Mazes (corn/hay/fence)
- Color party, foam party or raves - Overnight retreats
- ​Concerts and Music Festivals* - Parades*
​-Events  - involving rap, hip-hop, heavy metal/screamo​-Political events (except private fundraising auctions,
or techno/electronic benefits, dances, dinners)
- Events held on an airport premises - Pumpkin chuckin events
- Events honoring national and/or local celebrities - Rodeos*
or professional athletes - Seances
- ​Events involving any motorized vehicle(s) in, or while in - Tailgating events*
​practice for, or while being prepared for, or while qualifying ​-Tractor pulls
​for, or while testing for any racing, speed, demolition,​-Union Meetings
​distance, or stunting activity​-Walks/running events*
​-​Food eating contests
*Please contact K&K at 1-800-328-2317 for coverage options for these types of events.

Coverages Available & Program Highlights

Commercial General Liability
- Personal and Advertising Injury    
- Medical Expense    
- Damage To Premises Rented to You    
- Products-Completed Operations    

Notable Exclusions

- Abuse molestation, harassment, or sexual conduct - Designated operations exclusion - those events listed
- Aircraft/hot air balloon - ownership, operation, maintenance as ineligible
or use - E-commerce consulting
- Airport - ownership, operation, maintenance or use - Events with over 3,000 in total attendance
- Amusement devices - the ownership, operation, maintenance - Events held at multiple locations
  or use of: any mechanical or non-mechanical ride, slide or  - Fireworks
water slide, any inflatable recreational device, any bungee - Fungi or bacteria
operation or  equipment, any vertical device or equipment - Lead
  used for climbing - either permanently affixed or - Nuclear energy
  temporarily erected, or dunk tank.  Amusement devices do - Performers
not include any video or computer games or structures that  - Petting zoos
  are not designed to bounce on, slide on, ride on or tunnel  - Room and board liability
  through. - Saddle animal - ownership, operation, maintenance, use
- Animals - injury or death to any animal; injury, death loading or unloading of any saddle animal, including
or property damage caused by any animal owned,   but not limited to, riding any saddle animal or riding
rented or hired by you on any vehicle which is drawn or powered by any animal
- Asbestos - Snowmobile
- Claims arising out of the operations of concessionaires,
exhibitors and vendors at your event
Preliminary Underwriting Information Required
The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form
- Full premium payment by check or credit/debit card