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  Application & Printable Documents | Glossary | Buy On-line

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
- Achievement Celebration - Fundraising/Benefit/Charity Event
​-​After prom parties (school-sponsored event only)​-​Gaming Event/Contest (i.e. chess, video game, cornhole)
- Anniversary Party - Grad Night In (school sponsored only)
- Auction - Graduation Ceremony
- Award Presentation/Banquet - Graduation Party
- Baby Shower - Grand Opening Event
- Bake Sale - Holiday Celebration
- Ball/Dance - Housewarming Party
- Banquet - Job Fair/Expo
- Baptism - Lecture/Workshop
- Bar/Bat Mitzvah - Magic Show
- Billiard Event/Tournament - Memorial Service
- Bingo Event (for fundraising/charity only) - Picnic (no water activities)
​-Birthday Party​-Poetry Reading
- Book Signing - Private Dinner/Lunch
- Bridal Shower - ​Prom/School Dance
- Business Meeting - Quinceanera
- Car Wash (for fundraising/charity only) - Recital (dance/music)
- Casino Game/Gambling Event (for fundraising/charity only) - Reunion
- Club Meeting - School Band/Drill Team Competition
- Comedy Show - School Carnival (no rides/inflatables)
- Conference - Seminar
- Convention - Show (i.e. craft, fashion, home)
- Corporate Private Party - Speaking Engagement
- Debutante Ball/Pageant - Stage Play/Musical (no concerts)
- Estate/Yard/Garage/Consignment Sale - Talent Show (children only)
- Engagement Party - Tradeshow/Exposition
- Farmers Market - Wedding Ceremony
- Festival - Wedding (one location only)
- Film Screening - Wedding Reception
- First Communion - ​Wedding Rehearsal Dinner
​-​Flea Market/Swap Meet​-Wedding Shower
- Food Cooking Contest  

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 Rally/March/Protest - Dance Competition*
- Aircraft Show/Event* - Easter Egg Hunt (one location - paper application only)
- Alcohol Tasting Event (paper application only) - Events involving any motorized vehicle(s) in, or while in
- Animal Obedience Training practice for, or while being prepared for, or while qualifying for,
​-​Animal Show (paper application only)​or while testing for any racing, speed, demolition, distance
- Any event held on airport premises* or stunting activity
-Any event honoring national and/or local celebrities or -​Film/Photo Shoot
professional athletes*​-Food Eating Contest
- Any event and/or concert involving rap, hip-hop, - Fraternity/Sorority Event
heavy metal/screamo or techno/electronic - Geocaching Event
- Any event involving water activities* - Gun/Knife Show
​-Any event lasting more than 10 consecutive days*​-Haunted Attraction/Event
- Any event taking place at multiple locations* - Health Fair/Exposition
- Any event taking place outside of the United States - Hunting, fishing and hiking events
- Any event with more than 12,000 in total attendance - Maze (corn/hay/fence)
(total attendance=number of event days x attendance per day)* - Parade (and any event involving a parade)*
- Athletic Event/Competition (or any event involving - Political Event*
athletic/sports activities)*​-Pumpkin Chunkin Event
​-Balloon Festival*​-Rave
​-Battle Re-enactment
​-Religious Revival/Crusade (paper application only)
​-Beer/Wine Festival (paper application only)-Religious Service (paper application only)
​-Bonfire​-Retreat (or any event with an overnight exposure)*
​-​Cannabis related events​-​Rodeo*
​-Car/Truck/Motorcycle/RV/Boat Show (paper application only)​​-​​Seance
Christmas Tree Sale/Lot
​Shooting events/activities (skeet/trap/clay/guns)
​-Tailgate Event
​-​Color/Foam Party
​-​Tractor Pull*
​-​Concert (paper application only)
-​​Union Meeting

​-​Walk/Run Event*
*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/overnight camping
  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 - Sexually transmitted diseases
- Claims arising out of the operations of concessionaires, -
Silica or silica-related dust
exhibitors and vendors at your event -
​-​Communicable Diseases
Total pollution with a building heating, cooling and
​Cyber incident, data compromise and violation of statutes

dehumidifying ​equipment exception and hostile fire exception

​related to personal data
​Unmanned aircraft

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