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  Application & Printable Documents | Glossary | Buy On-line
Tenant User Liability Insurance Program



To apply for coverage for your special event, please proceed to the Get Your Quote/Buy Online link above.  If you do not see the facility listed, please click here and you will be redirected to our short term special event program.

If you are the facility and do not currently have a policy for your tenants with us, please click on the Applications & Printable Documents link under the header and complete the underwriting application.

If you have any questions, please call our office at 877-648-6404. 


This insurance program has been specifically designed for the owners of premises/facilities that are rented or leased to tenants who organize short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
  • 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.
Eligible Operations
-Achievement celebration-Meetings (clubs or business)
-Anniversary party-Memorial service
-Award banquet or presentation-Military reunion
-Auctions-Parties (retirement, house, anniversary, engagement or
-Baby showergraduation)
-Baptism-Picnic (no water activities)
-Bar/bat mitzvah-Recitals (dance or musical)
-Bingo games (for charity/fundraising only)-Reunion (class, family or military)
-Birthday party-Rummage sale
-Business dinner-Social gatherings/receptions
-Business lecture/seminar-School band/drill team competition
-Business Meeting-School carnival (no rides/inflatables)
-Celebrations (holiday)-Shows (antique, art, baby, craft, fashion, flower,
-Charity or fundraising event (auction, benefit, dancegarden, home, wedding)
or dinner)-Speaking engagement
-Car/RV/boat/motorcycle shows (static displays only)-Stage show (dance, music, theatrical)
-Convention-Swap meet
-Debuts or debutante balls/proms-Theatrical performance/musical
-Dinners, luncheon or showers-Tradeshow
-Festival (art, craft, ethnic, harvest)-Walking Tours garden, holiday, parade of homes,
-Graduation ceremony/partyhistorical sites)
-Lectures-Wedding ceremony, shower, reception or
 rehearsal dinner 

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):
-Airshows-Fraternity or sorority events
-Activist rallies/marches/literature distribution-Geocaching events
-Animal obedience training-Gun and/or knife shows
-Athletic events and competitions-Haunted attractions
-BonfiresHealth fairs or shows
​-​Cannabis related events​-Historical battle reenactments
-Cinematography and photography for commercial use -Hunting, fishing and hiking events
-Circuses-In or on water activities
-Color party, foam party or raves-Mazes (corn/hay/fences)
​-​Concerts or Music Festivals​-Overnight retreats
-Events - involving rap, hip-hop, Alternative-​Parades
or techno/DJ-Political events (except private fundraising auctions,
-Events held on an airport premisesbenefits, dances, dinners)
-Events honoring national and/or local celebrities-Pumpkin chuckin events
or professional athletes-Rodeos
Events involving any motorized vehicle(s) in, or while -Seances
practicing for, or while being prepared for, or while -Tailgating events
qualifying for, or while testing for any racing, speed,-Tractor pulls
demolition, distance or stunting activity-Union meetings
-Food eating contests-Walks/running events

Coverages Available & Program Highlights

Commercial General Liability
-Each Occurrence  
-General Aggregate (other than products-completed
-Products-Completed Operations Aggregate  
-Personal and Advertising Injury  
-Damage To Premises Rented to You  
-Medical Expense  

Notable Exclusions

-Abuse molestation, harassment, or sexual conduct-E-commerce consulting
-Aircraft/hot air balloon - ownership, operation, maintenance-Events held at multiple locations (except for weddings)
or use-Fireworks
-Airport - ownership, operation, maintenance or use-Fungi or bacteria
-Amusement devices - the ownership, operation, maintenance-Lead
or use of:any mechanical or non-mechanical ride, slide or-Nuclear energy
water slide, any inflatable recreational device, any bungee-Operations of concessionaires, exhibitors
operation or equipment, any vertical device or equipment and/or vendors at your event
 used for climbing - either permanently affixed or-Petting zoos
 temporarily erected, or dunk tank.  Amusement devices do-Room and board liability
not include any video or computer games or structures that  -Saddle animal - ownership, operation, maintenance, use
 are not designed to bounce on, slide on, ride on or tunnel loading or unloading of any saddle animal, including but
 through.not limited to, riding any saddle animal or riding on any
-Animals - injury or death to any animal; injury, deathvehicle which is drawn or powered by any animal
or property damage caused by any animal owned,-Violation of statutes that govern e-mails, faxes, phone
rented or hired by youcalls or other methods of sending material or information
-Commercial general liability standard exclusions
-Communicable Diseases (effective 7/1/20 and after)
​-Employment-related practices​
Program Administration Information
-The policy will be issued to the Sports, Leisure and Entertainment Risk Purchasing Group dba:  Tenant Users, as endorsed,
 "name of the facility".
-Coverage applies only when the facility is being rented to and being used by tenants/users/lessees for short term special events
that are specifically endorsed to the policy.
-Certificates will be emailed to the insured and the agent if applicable.
-The tenant/user/lessee are the named insured on the policy.  Coverage limits apply separately to each tenant/user/lessee added
to the policy.  The facility owner/operator is named as an additional insured on the policy at no additional charge.
-This is a pre-reporting program.  Each tenant/user/lessee is required to purchase coverage prior to the inception of the event.
-The expected attendance will determine the premium for each event being held at the facility.  Premiums/rates are per
event/per total attendance.  An event is considered 10 consecutive days or less.  Nonconsecutive event days are to be
considered separate events.
-Events with attendance greater than 3,000 but less than 12,000 can be referred to our short term special event program by
filling out and sending in this paper application