Walking and Running Event Insurance

Insurance coverage for walking and running events including charity walks and runs, competitive races, fundraising walk and runs, and more. This program is not available in Alaska and Rhode Island.

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This program is designed for organizations conducting a walking or running event. Coverage offers insurance for the organization, including its employees and volunteers, for liability claims arising out of its operations. The program 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 consecutive event days is 3 days or less
Total course distance cannot exceed 16 miles

For larger walk and run events or marathons, please visit our Large Sports Events page for coverage information and applications.

What is eligible for this program?
5k or 10k walks and runs
Children's walks and runs
Fundraising walks and runs
Non-competitive charity walks and runs
Time or competitive walks and runs
Walkathons
What is not eligible for this program?
Included but not limited to:
Activist rallies, marches, protests
Adventure races
Athletic or sports participants in any other sport
College or university-level championships events
Endurance races
Events involving animals other than service animals, unless reported and approved by the company*
Events with water activities or cycling activities
Events where the distance is more than 16 miles
Events held outside the United States
Events with over 10,000 in total attendance
Glow runs, color runs, and similar types of events or runs
Hiking events
Iron Man events
Virtual events and activities
Mud runs, warrior runs, zombie runs, obstacle course runs, urbanathons (competitions, exhibitions, or foot races that involve man-made obstacle courses, mud pits, slippery slopes, wall climbs, or other man-made obstacles)
Political events
Full marathons (distances greater than 16 miles)
Professional sports events, try-outs, training camps, and clinics
Triathlons and duathlons

Notable Exclusions include but are not limited to:
24-hour premises liability
Abuse or Molestation (unless reported to, approved by us, and appropriate premium paid)
Amusement devices (e.g. rides, slides, inflatables, bungees, climbing walls, dunk tanks)
Ancillary activities that require a separate admission charge or are open to the public (unless optional coverage is purchased)
Asbestos silicosis
Claims arising out of the operations of independent concessionaires, exhibitors and vendors at your event
Communicable disease
Cryogenic chambers, therapy
Employment-related practices
Fireworks
Fungus
Haunted attractions
Lead
Legal liability to participants coverage and medical payment for participants coverage for professional athletes and celebrity (national/local) participants
Nuclear energy
Operation, ownership, or management of any facility or premises, other than while being used for covered activities
Room and board liability
Those operations listed as ineligible
Total Pollution
*This is not a complete list of ineligible operations. Contact us for additional information needed for coverage consideration.
Insurance coverages available
General Liability
Bodily Injury and Property Damage
Personal & Advertising Injury
Medical Expense (other than for Participants)
Damage to Premises Rented to You (Fire Legal Liability)
Products-completed Operations
Legal Liability to Participants
Medical Payments for Participants

Optional Coverages
Ancillary Activities/Events
What do I need to apply?
Please apply online or complete the appropriate PDF enrollment form and submit as directed in the form. Coverage is subject to underwriting, may not be available to all applicants in all states, and may vary by state. It is important to carefully review the terms and conditions of any insurance quotation. Please contact a K&K representative if you have any questions.
K&K enrollment form(s)
ALL participants and parents or guardians of minor participants must sign a release waiver

Phone

800-553-8368
Email

Email us

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Insuring fun is our business; since 1952, K&K has offered coverage solutions for motorsports, sports, leisure and entertainment organizations. Let’s get started; click the button below and apply now!

Apply Online

Download Application

Can I apply for coverage over the phone?

Enrollment by telephone is not permitted. You can apply for running event insurance or walk insurance coverage online or by completing an enrollment form and submitting it to K&K via e-mail, fax or mail.
What is a general aggregate?

The general aggregate is the maximum amount available to be paid out in any policy period for all covered losses.
What are certificate requests? How do I complete this section on the enrollment form?

A certificate of insurance is a document evidencing the existence of coverage. If coverage is bound, you will receive a certificate of insurance following binding. You will need to complete the certificate request section if you have been asked to provide another certificate to a third party, such as the facility you are utilizing for your event.
Will I receive a policy after submitting the enrollment form?

No. You will receive a certificate of insurance as proof of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the Sports, Leisure and Entertainment Risk Purchasing Group (RPG). The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.

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Walking and Running Event Insurance

Program Highlights

What is eligible for this program?

What is not eligible for this program?

Insurance coverages available

What do I need to apply?

Applications

Contact information for Walking and Running Event Insurance

Phone

Email

Ready to get started?

Frequently Asked Questions

Can I apply for coverage over the phone?

What is a general aggregate?

What are certificate requests? How do I complete this section on the enrollment form?

Will I receive a policy after submitting the enrollment form?

Why choose K&K?

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Large Sports Events Insurance

Short-term Event Insurance

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