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Tenant User Liability

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

Coverages Available & Program Highlights


Commercial General Liability

-Each Occurrence  
-General Aggregate (other than products-completed operations) 
-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-Nuclear energy
 or water slide, any inflatable recreational device, any bungee -Operations of concessionaires, exhibitors and/or
operation or equipment, any vertical device or equipmentvendors at your event
used for climbing - either premanently affixed or temporarily-Petting zoos
erected, or dunk tank.  Amusement devices do not include    -Room and board liability
any video or computer games or structures that are not   -Saddle animal - ownership, operation, maintenance, use
 designed to bounce on, slide on, ride on or tunnel through. loading or unloading of any saddle animal, including but not  
Animals - injury or death to any animal; injury, death or limited to, riding any saddle animal or riding on any vehicle
property damage caused by any animal owned, rentedwhich is drawn or powered by any animal
or hired by you   -Violation of statutes that govern e-mails, faxes, phone
-Asbestoscalls 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 with attendance greater than 3,000 but less than 12,000 can be referred to our short term special event program at