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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)
- Graduation ceremonies
​-Grand openings
- 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 fundraising/charity only)
- Poet or poetry readings
Book Signings
- Proms
- Card games/events (for charity/fundraising only)
- Memorial Service
- Car/motorcycle/RV/boat shows - static display only
- Quinceaneras
​-Car Washes (focharity/fundraising only only)
​-Recitals (dance, music)
- Casino Events (focharity/fundraising only)
- Religious events
- Celebrations (holiday, new year)
- Reunions
- Chamber of commerce business events/mixers
- Sales (bake, charity, consignment, estate, garage)
Charity events
- School band or drill team competitions
- Chess events
- School carnivals (no rides/inflatables)
- Christmas caroling (single location)
- Showers (baby, bridal, wedding)
- Christmas lighting ceremony
- Shows (animals-arena setting only, antique, art, baby,
- Concerts - other than rap, hip-hop, heavy metal/screamo or

business, collector, consumer, craft, fashion, flower, garden,

techno/electronic (call for approval)

home, stage, wedding)
- Conventions
- Social gatherings or receptions
- Debuts or debutante balls
- Speaking engagements
- Dinners, luncheons or showers
- Talent searches/shows - children only
- Direct selling consultant parties
- Telethons
- Easter egg hunts (no egg drops from aircrafts)
- Theatrical performances or musicals
- Farmers' markets
- Walking tours (garden, holiday, parade of homes, historical
- Festivals

sites) - single location
- Film screening or showings
- Wedding activities' (rehearsal. ceremony or reception)
​-​Flea markets or swap meets

- Food cooking contests

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/protests
- Fraternity or sorority events (except alumni association 
- Aircraft shows/events

off-site events that have been approved by us)
- Animal obedience training
- Geocaching events
- Any events involving organized athletic events/competitions
Gun and/or knife shows
​-Any events and/or concerts - involving rap, hip-hop,
Haunted attractions/events

heavy metal/screamo or techno/electronic
Health fairs/expositions
-Any events held on an airport premises
-​Hunting, fishing and hiking events
Any events honoring national and/or local celebrities or
​-Mazes (corn, hay or fence)

professional athletes
- Parades (or any event involving a parade)
Any events involving in or on water activities
- Political events (except private fundraising auctions,
- Battle reenactments

benefits, dances, dinners)
​-Cannabis related events
​-Pumpkin chuckin events
- Christmas tree sales/lots
- Rodeos
- Cinematography or photography events for commercial use
- Seances
- Circuses
- Shooting events/activities (skeet/trap/clay/guns)
Color party, foam party or raves
- Tailgating events (unless reported to and approved by us)
- E-gaming
- Tractor pulls
Food eating contests
​-Union meetings

​-Walks/running events*

*For walks and/or running events, please visit Walk/Run Event page or contact us for additional information.

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 exploitation
- Sexually transmitted disease
- Any event held at multiple locations (except for weddings)
Silica or silica-related dust
Any event held outside the U.S.
- Specified recreational vehicles and activities - 
- Any event with over 3,000 in attendance

Aircraft/hot air balloon; Airport; Amusement devices: The
- Asbestos

ownership, operation, maintenance or use of any device
Cap on losses from certified acts of terrorism

or equipment a person rides for enjoyment, including, 
Commercial general liability standard exclusions 

but not limited to: mechanial or non-mechanical ride, slide,
(CG0001 4/13 edition)

or water slide (including any ski or tow when used in
Communicable disease

conjunction with a water slide); inflatable recreational 
Cyber incident, data compromise, and violation of statutes

device; or vertical device or equipment used for climbing, 
related to personal data
whether permanently affixed or temporarily erected.  This
E-commerce consulting
exclusion does not apply to video games or computer
Employment related practices

games or structures that are not designed to bounce on, 
- Fireworks
slide on, ride on or tunnel through; Animals; Bungee; 
Fungi or bacteria
  Dunk Tank; Haunted attraction; Parade; Performer; Rodeo;
Saddle animal; Snowmobile
- Nuclear energy
- Total pollution with a building heating, cooling & dehumidifying
- Operations of concessionaires, exhibitors and/or vendors

equipment exception and hostile fire exception
at your event
Unmanned aircraft
​-Petting zoos

Room and board liability/overnight camping

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