| - | Baseball | - | Lacrosse |
| - | Basketball | - | Racquetball |
| - | Baton twirling | - | Road running |
| - | Bowling | - | Soccer |
| - | Cheerleading | - | Softball |
| - | Cross country | - | Swimming |
| - | Dance** | - | Table tennis |
| - | Fencing | - | Tennis |
| - | Figure skating | - | Track & field |
| - | Football | - | Tumbling (floor only, no gymnastic apparatus) |
| - | Golf | - | Volleyball |
| - | Gymnastics*** | - | Wrestling |
| - | Hockey | | |
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| * If your risk doesn't fit the eligibility of this program, please contact K&K at
1-800-506-4856. |
| **For instruction of dance only, please visit
www.fitnessinsurance-kk.com for dance instructor coverage. |
| ***$1,000,000 occurrence limit only. Not available for purchase online. Submit PDF application. |
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Ineligible for this program: |
Certain operations are not eligible for coverage by this program.
K&K reserves the right to decline any request for coverage. The ineligible operations include, but are not limited to the following (and are excluded from coverage): |
| - | Certified athletic trainers | - | Instructors under the age of 18 |
| - | Coaching of organized competitive athletic teams | - | Instructor's employment as an exempt or a non-exempt |
| | | employee of a school, university or college |
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| Instruction of the following activities: | |
| - | Canoeing | - | Lifeguarding |
| - | Cycling | - | Martial arts |
| - | Diving | - | Rowing |
| - | Equestrian | - | Scuba diving |
| - | Kayaking | - | Skiing |
| | - | Surfing |
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* For more information regarding coverage for a sports facility, contact one of our K&K marketing representatives at
1-800-440-5580 or view our
Venues Program. |
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Liability Coverage | |
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General liability coverage protects you if you are legally obligated to pay damages for bodily injury to others and for damage to the property of others resulting from your sports-related skills instruction. The policy also provides coverage (professional liability) for wrongful acts (breach of duty, neglect, error, omission, misstatement or a misleading statement in the discharge of sports-related skills instruction) that occur as a result of your instruction. |
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| General Liability |
| - | Bodily Injury & Property Damage | - | Professional Liability |
| - | Products-completed Operations | - | Damage to Premise Rented to You |
| - | Personal and Advertising Injury | - | Medical Expense (Other than participants) |
| - | Legal Liability to Participants | | |
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| - | Abuse, molestation, harassment, or sexual conduct | - | Operation, ownership or management of a commercial |
| - | Amusement devices (e.g.: rides, slides, inflatables, | | sports facility |
| bungees, climbing walls, dunk tanks) | - | Physicals/stress testing |
| - | Communicable Diseases (effective 7/1/20 and after) | - | Physical therapy, massage or salon services |
| - | Cryogenic chambers/therapy | - | Sale or distribution of herbal, medicinal |
| - | Cycling (other than stationary) | | and/or nutritional products |
| - | Employment-related practices | - | Those operations listed as ineligible |
| - | Instruction/activities being held on or in open water | - | Violation of statutes that govern e-mails, faxes, phone call |
| - | (e.g.: lakes, ponds, ocean) | | or other methods of sending materials or information. |
| - | Medical, therapy or health care services | | |
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