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Walk/Run Events
This program is designed for U.S.-based organizations and/or groups organizing a walking and/or running event.  Coverage provides important liability insurance for the organization, including its employees and volunteers, for liability claims arising out of its operations.  The program also includes medical payments for participants (on an excess basis) for those participating in the event.  To qualify for program coverage, the following criteria must be met: 
  • Maximum number of participants is 10,000
  • Maximum number of event days is 3 days or less
  • Total course distance cannot exceed 16 miles
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.
Eligible Operations

Walking and/or running events with a course distance of less than 16 miles, including but not limited to:

-5k or 10k walk/run-Non-competitive charity walk/runs
-Children's walk/runs-Timed/competitive walk/runs
-Fundraising walk/runs-Walkathons
Ineligible Operations  
-Adventure races-Mud runs/warrior runs/zombie runs/obstacle course
-College or university level championships eventsruns/urbanathons (competitions, exhibitions or foot races
-Endurance racesthat involve man-made obstacle courses, man-made
-Events involving animals other than service animalsmud pits, man-made slippery slopes, wall climbs,
-Events with water activities or cycling activitiesor other similar man-made obstacles)
 -Events where the distance is more than 16 miles-Full marathons (distances greater than 16 miles)
-Glow runs, color runs and similar types events or runs-Professional sports events, try-outs and training
-Hiking events camps/clinics
-Iron man events-Triathlons/duathlons
Coverages Available & Program Highlights:

General Liability

Optional Coverages

-Bodily Injury and Property Damage-Sexual Abuse, Molestation, Harassment or Sexual Conduct
-Personal & Advertising InjuryDefense Cost Reimbursement Coverage
-Medical Expense (other than participants)-Sexual Abuse or Sexual Molestation Liability
-Damage to Premises Rented to You (Fire Legal Liability)-Ancillary Activities/Events
-Products-completed Operations
-Legal Liability to Participants
-Medical Payments for Participants
​ ​ ​ ​
Notable Exclusions​ ​ ​ ​
​ ​ ​ ​
-​​24-hour premises liability​-​Events that last more than 3 days (not including set-up and
​-​Abuse, molestation, harassment or sexual conduct (unless ​tear-down), unless reported, approved, and the appropriate
​optional coverage is purchased)​premium has been paid
​-​Aircraft/hot air balloon​-​Events with over 10,000 in total attendance
​-​Amusement devices (the ownership, operation, maintenance​-​Fungi or bacteria
​or use of: any mechanical or non-mechanical ride, slide or​-​Haunted attractions
​water slide, any inflatable recreational device, any bungee ​-​Heavy metal, electronic, rap, hip-hop concerts/shows
​operation or equipment, any vertical device or equipment​-​Lead
​used for climbing-either permanently affixed or temporarily​-​Legal liability to participants for professional athletes
​erected, or dunk tank. Amusement device does not include ​and celebrity participants
any video arcade or computer games)​-​Medical payments for participant for professional athletes
​-​Ancillary activities that require a separate admission​and celebrity participants
​charge and/or are open to the public (unless optional​-​Nuclear energy liability
​coverage is purchased)​-​Operation, ownership or management of any facility or premises,
​-​Animals (injury or death to, or injury, death or property​other than while being used for covered activities
​damage caused by any animal owned, rented or hired by you)​-​Operations of independent concessionaires, exhibitors and
​-​Asbestos​vendors at your event
-​​Athletic or sports participants in any other sport/athletic ​-​Performers
​activity other than walking or running​-​Rodeos
​-​Cryogenic chambers/therapy​-​Room and board liability
​-​Employment-related practices​-​Saddle animals
-​​Events held outside the United States-​​Snowmobile
​-​Violation of statutes that govern e-mails, faxes, phone calls
​or other methods of sending materials or information
Preliminary Underwriting Information Required
-K&K Applications
-ALL participants and/or parents/guardians of minor participants must sign a release/waiver
-Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and