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Frequently Asked Questions
How soon does coverage start? When will we receive proof of coverage?
Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
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I need to receive a quote from your company, how do I do this?
This program does not offer quotes, as the rates are provided for you within this brochure. Simply complete the premium calculation pages 9 through 11 to determine your annual premium and then remit your completed enrollment form with payment to begin coverage. Please note, we cannot bind coverage until the day after we receive both your completed enrollment form and the appropriate payment.
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We are a newly formed school/club/gym and we are not sure how many students we will have, how should I report my student count?
You need to report the number of students you project to have within an annual term. You may add additional students at any time by using the gymnastics and cheer supplemental form.
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Is coverage under this policy extended to independent contractors (non-employees) working on behalf of the school/club/gym?
Independent contractors (non-employees) are not covered under this program. K&K, however, does offer an insurance program specifically designed for independent contractors that directly supervise an individual or group engaged in sport activities. Within this coverage, the independent contractor instructor can list your school or organization as an additional insured while instructing at your school or as a part of your operations. Coverage for independent instructors can be purchased online at www.fitnessinsurance-kk.com or by contacting K&K at 1-800-648-6406.
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Is my school/club/gym covered for a meet or tournament that we are hosting that involves non-registered students/members?
Coverage is included for meets or tournaments you host that only include students/members of your school, club or gym. To obtain coverage for an event that includes non-registered students/members, please contact K&K at 1-800-648-6406 for coverage options available.
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Am I allowed to transport students to activities such as meets, tournaments or events?
This insurance program does not provide coverage for the transportation of students. Should the transportation of students be necessary for your operation, we suggest that you consult a licensed insurance agent in your area to provide you with commercial automobile coverage for this type of exposure.
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Can I use a Tumble Trak at my gymnastics school/club/gym?
Yes. We provide coverage for the use of Tumble Traks and trampolines as a part of your gymnastics school/club teaching apparatus. We do not provide coverage for large inflatable structures, such as bounce houses, palace bouncer and slides. Amusement devices are excluded from coverage under this policy. An amusement device is defined as: The ownership, operation, maintenance or use of: any mechanical or non-mechanical ride, slide or water slide, any inflatable recreational device, any bungee operation or equipment, or dunk tank.

Amusement devices do not include any video or computer games or any device that is specifically designed for the training or instruction of the activity for which you are enrolled.
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I have been asked by my landlord or sponsor to add them as an “additional insured” to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted “additional insured”, and provide their entire name, address and relationship to you.
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Will we receive a policy after submitting the enrollment form?
In the past you would receive a fully worded certificate which provided you with a copy of a certificate of insurance and any specific forms that applied to your school/club or gym. This year, you will receive only a certificate of insurance as proof of coverage. Coverage offered under this program is exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member will receive their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each insured member organization-there are no shared limits of liability with any other members. A copy of the PG master policy can be requested in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.
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