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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):
-Fraternity or sorority events
-Activist rallies/marches/literature distribution-
Geocaching events
-Animal obedience training-Gun and/or knife shows
-Any events and/or concerts involving rap, hip-hop,
-Haunted attractions

heavy metal/screamo or techno/electronic
Health fairs or shows
​-Any events/activities involving motorized vehicles except static
​-Historical battle reenactments

vehicle shows/auctions or car washes (for charity 
 -Hunting, fishing and hiking events

fundraising only)
-Mazes (corn/hay/fences)
-Any events held on an airport premises
-Overnight retreats
​-Any events honoring national and/or local celebrities or

professional athletes
-Political events (except private fundraising auctions,
Any events involving in or on water activities

benefits, dances, dinners)
​Any events involving organized athletics events/competitions
Pumpkin chuckin events
-Athletic events and competitions
Cannabis related events
-Shooting events/activities (skeet/trap/clay/guns)
Cinematography and photography for commercial use
Tailgating events
Christmas tree sales/lots
-Tractor pulls
 -Union meetings
Color party, foam party or raves
-Walks/running events
Food eating contests


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 exploitation
-Specified recreation activities:  Aircraft/hot air balloon;

Airport; Amusement Devices: The ownership, operation,
Caps on losses from certified acts of terrorism

maintenance or use of any device or equipment a person rides
-Commercial general liability standard exclusions

for enjoyment, including but not limited to: mechanical or 
Communicable Diseases

non-mechanical ride, slide, or water slide (including any ski 
Cyber incident, data compromise and violation of statutes

or tow when in conjunction with a water slide); inflatable
related to personal data

recreational device. This exclusion does not apply to video or
Employment-related practices​
computer games or any device that is specifically designated 
E-commerce consulting

to for the training or instruction of the activity for which you
Events held at multiple locations (except for weddings)

are enrolled; Animals; Bungee; Dunk tank; Haunted
Attraction; Performer (injury or death to any performer or 
Fungi or bacteria
 entertainer during any activity, event or exhibition including 
but not limited to any stunt, concert, show or theatrical
-Nuclear energy
event). This exclusion does not apply to participants in any
Operations of concessionaires, exhibitors and/or vendors

activity, event or exhibition that are part of the designated
at your event
operations for which you are enrolled; Rodeo; Saddle 
-Petting zoos
animals; Snowmobile; Sports rehabilitation services/therapy;
-Room and board liability
Swimming pools; The sale or distribution of medicinal, 
-Sexually transmitted disease
herbal, and/or nutritional products
​-Silica or silica-related dust
​Total pollution with a building, heating, cooling and

​dehumidifying equipment exception and hostile fire exception

​Unmanned aircraft
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