Insurance for Resorts and Guest Ranches

• Private or publicly held destination resorts and guest ranches with stay-and-play activities on-site

• Bed & Breakfast
• Boutique Hotels 
• Ski Resort 
• Franchised hotels and motels 
• Waterparks, amusement parks, etc. as the primary reason for patronage to the facility. 
• Homeowners’ associations  
• Mobile home parks

General Liability 

• Broadened coverage form 
• Non-auditable policy  
• No deductible 
• Liquor liability 
• Fireworks liability 
• Expanded bodily injury definition 
• Nonowned watercraft up to 51’ 
• Personal and advertising injury definition expanded 
• Cyber liability 
• Crisis response 
• Sexual Abuse & Molestation Endorsement per perp form (subject to qualification based on minimum underwriting guidelines)

Property 

• More than 25 coverage expansions  
• Equipment breakdown included 
• Vacancy clause redefined to address seasonal operations 
• Building definition redefined to include: tent platforms, pavilions and shelters, signs, boat and canoe racks, permanently installed playground equipment 
• Business interruption (civil authority expansion available in certain states) 
• Emergency vacating expenses covered, full building ordinance “A” coverage

Inland Marine  

Commercial Crime  

Commercial Auto 

Excess Liability 

Workers’ Compensation 

To request an insurance quotation through this program, please complete the appropriate PDF application and submit as directed in the application. 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 Application(s) 
• ACORD applications for other requested coverages,  
• Five years of detailed, currently valued company loss runs 
• Photos of the facility 
• Diagram of "Plot Plan" of premises