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Baseball |
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| Lacrosse |
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Basketball |
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Racquetball |
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Baton twirling |
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Road running |
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Bowling |
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Soccer |
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Cheerleading |
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Softball |
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Cross country |
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Swimming |
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Dance** |
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Table tennis |
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Fencing |
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Tennis |
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Figure skating |
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Track & field |
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Football |
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Tumbling (floor only, no gymnastic apparatus) |
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Golf |
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Volleyball |
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Gymnastics*** |
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Wrestling |
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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): |
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Certified athletic trainers |
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Instructors under the age of 18 |
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Coaching of organized competitive athletic teams |
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Instructor's employment as an exempt or a non-exempt |
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employee of a school, university or college |
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Instruction of the following activities: |
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Canoeing |
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Lifeguarding |
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Cycling |
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Martial arts |
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Diving |
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Rowing |
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Equestrian |
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Scuba diving |
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Kayaking |
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Skiing |
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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 |
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Bodily Injury & Property Damage |
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Professional Liability |
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Products-completed Operations |
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Damage to Premise Rented to You |
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Personal and Advertising Injury |
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Medical Expense (Other than participants) |
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Legal Liability to Participants |
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Abuse, molestation, harassment, or sexual conduct |
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Operation, ownership or management of a commercial |
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Amusement devices (e.g.: rides, slides, inflatables, |
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sports facility |
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bungees, climbing walls, dunk tanks) |
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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 |
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Cycling (other than stationary) |
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and/or nutritional products |
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Employment-related practices |
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Those operations listed as ineligible |
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Instruction/activities being held on or in open water |
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Violation of statutes that govern e-mails, faxes, phone call |
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(e.g.: lakes, ponds, ocean) |
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or other methods of sending materials or information. |
- | Medical, therapy or health care services | | |
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