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Amateur Sports- Tournaments & Events

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This program is designed to provide coverage on a short term basis for a single amateur sports tournament or event. Coverage provided under this program includes important liability coverage for the U.S.-based organization conducting the event(s), including the employees and volunteers, for liability claims arising out of its operations. Coverage is also included for ancillary activities (banquets, concerts, awards ceremonies) that are for those participants in your sports tournament(s) or event(s).

Note: Sports tournaments or events that may not be eligible for the program outlined below and/or have more complex coverage needs should visit our Sports Event program administered in our Sports Unit.

Eligible Operations

An amateur sports tournament or event that meets all of the following criteria is eligible to submit an enrollment form for coverage under this program:

  • Maximum number of participants is 2,500
  • Maximum spectator attendance per day is 7,500
  • Maximum number of event days (including practice days) is 14 days(not including set-up and tear down)
  • The sport activity being conducted falls into one of the listed eligible classes:
    Class 1:
    Bowling, Dance, Golf, Tennis, Volleyball
    Class 2: Baseball, Kickball, Softball
    Class 3: Basketball, Flag or Touch Football, On-Shore Fishing, Racquetball, Swimming
    Class 4: Cheerleading (age 19 & under), Deck/floor/street hockey, Field hockey, Flex FootballTM (age 19 & under),
    Lacrosse (age 19 & under), Roller hockey (quad), Soccer (age 19 & under), Tackle & Contact football (age 19 & under),
    Water hockey (age 19 & under) and Wrestling (age 19 & under)
    Class 5:  Box lacrosse, Cheerleading (age 20 & over), Diving, Dodgeball, Gymnastics, Ice hockey, In-line hockey, Lacrosse (age 20 & over), Martial arts, Inline skating (speed/racing), Soccer (age 20 & over), Speed/racing skating (ice), Water hockey (age 20 & over).
Ineligible Operations
Sports tournaments or events that do not meet the criteria listed above, or are listed as ineligible below, are not eligible for this program, but may be covered through programs offered by our Sports Unit.
  • College or University level championship events
  • Events involving animals other than service animals
  • Glow runs/color runs/similar type events or runs
  • Highland games
  • Mud runs/warrior runs/zombie runs/obstacle course runs/urbanathons (competitions, exhibitions or footraces that involve man-made obstacle courses, man-made mud pits, man-made slippery slopes, wall climbs or other similar man-made obstacles)
  • Professional sports events, tryouts and training camps/clinics
  • Sanctioned USA Hockey tournaments & events

  • Events in the following sport categories (Note: This is not a complete listing of ineligible sports):
- Adventure races - Mountain Biking and/or hiking
- BMX Biking - Open Water Event
- Boxing - Rugby
- Cycling - Skateboarding
- Endurance races - Skiing (snow or water)
- Equestrian - Snowboarding
Flex FootballTM        
- Inline (extreme/stunt/aggressive/free-style) skating - Tackle and Contact Football (age 20 & over)
- Kite Surfing  - Triathlons & Duathlons
- Marathons (26.2 miles or more) - Wrestling (age 20 & over)
- Mixed Martial Arts

Note: If your sport is not listed, contact K&K at 1-800-426-2889 for the appropriate classification.

Coverages Available

Commercial General Liability
- Bodily Injury & Property Damage
- Personal & Advertising Injury
- Medical Expense (other than participants)  
- Damage To Premises Rented to You (Fire Legal Liability)    
- Products-completed Operations    
- Legal Liability to Participants (not available for all sports)    
- Medical Payments for Participants (not available for all sports)    

Program Features

Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.

Notable Exclusions

- 24-hour premises liability - Communicable disease
- Abuse, molestation, harassment, or sexual conduct -
Cryogenic chambers/therapy
- Aircraft/hot air balloon
Employment-related practices
- Events that last more than 14 days (not including set-up and
- Amusement devices (the ownership, operation, maintenance or

tear-down), unless reported, approved, and the appropriate
use of: any mechanical or non-mechanical ride, slide or water
premium has been paid

slide, any inflatable recreational device, any bungee operation
- Fireworks

or equipment, any vertical device or equipment used for
- Fungi or bacteria

climbing-either permanently affixed or temporarily erected,
- Haunted attractions

or dunk tank. Amusement devices do not include any video
- Heavy metal/screamo, electronic/techno, rap, hip-hop

or computer games)
Ancillary activities that require a separate admission charge and

is open to the public (unless optional coverage is purchased-
Legal liability to participants for professional athletes and 

attendance must be 3,000 or less)
​celebrity participants
​Animals (injury or death to, or injury, death or property damage
​Medical payments for participants for professional athletes and

​caused by any animal owned, rented or hired by you)
​celebrity participants
​Nuclear energy liability
​Athletic or sports participants in: Box lacrosse, Broomball,
-​​Operation, ownership or management of any athletic facility or

​Cheerleading (age 20 & over), Driving, Dodgeball,
​field, other than while being used for covered activities

​Drill/majorette team (age 20 & over), Gymnastics, Hurling,
-​​Operations of independent concessionaires, exhibitors and

​Ice hockey, Inline hockey, Inline skating (speed/racing), Judo,
​vendors at your event

​Karate, Lacrosse (age 20 & over), Martial arts, Powerlifting

(age 20 & over), Ringette, Roller hockey (inline), Soccer

​(age 20 & over), Speed/racing skating (ice), Taekwondo, Takraw,
-​​Room and board liability

​Water hockey (age 20 & over), Water polo (age 20 & over),
-​​Saddle animals

​Weightlifting (age 20 & over)
​Commercial general liability standard exclusions
​Those operations listed as ineligible

​(CG0001 04/13 edition)
-​​Violation of statutes that govern e-mails, faxes, phone calls or

​other methods of sending materials or information


Underwriting Information Required

The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form  
- Full Payment by check or credit/debit card