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Activity & Social Clubs


This program is designed for U.S.-based clubs and or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. For those clubs or groups specifically reported to and approved by K&K, covered operations consist of scheduled, sanctioned, organized and supervised activities in which members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which the insured participates, picnics, banquets and ceremonies. Coverage for activities not related directly to the club’s common interest must be pre-reported and approved by K&K.

Coverage is provided by a carrier rated A (Excellent) by A.M. Best Company.

Eligible Operations
- Amateur youth robotic or STEM clubs (grades 8 and below only) - Game or card (non-gambling)
- Bird watching - Genealogy
- Book - History
- Calligraphy - Model train or model car clubs
- Collector - Needlework
- Computers - Peer support groups (no professional or licensed facilitators)
- Cooking - Puppetry
- Craft making - Scrap booking
- Cultural
Coverages Available & Program Highlights:    
General Liability Optional Coverages Available
- Products-completed operations Aggregate - Equipment & Contents (Inland Marine)
- Personal & Advertising Injury

- $1,000,000 Damage to Premises Rented to You -
Abuse, Molestation or Exploitation
- Hired Auto and Employers' Nonownership Liability
Defense Cost Reimbursement Coverage
(not provided for clubs located in IL, LA, UT, VT & WI)
Sexual Abuse or Sexual Molestation Liability
Bodily Injury to Participants
- $5,000 Medical Expense (other than members/participants)
- Medical Payments for Participants (excess) - $100 deductible
- Professional Liability
Risks Not Eligible Under This Program: (Including but not limited to)
 The following operations are not eligible for this program. (Please note, this is not a complete listing of ineligible operations.)
- Acrobatic or circus performing programs - Instruction in first aid, CPR, or life-saving/life guarding
- Addiction support groups - Nutritional and weight loss programs
- Boys or girls clubs - Political activist and/or governmental groups
- Boy scouts or girl scouts - Programs dedicated to discipline, rehabilitation or
- Country Clubs behavior modification
- Dating Club, programs or organizations - Programs or activities involving animals
- Day care or adult before and/or after school care operations - Programs or activities that involve weapons or firearms
latch key programs, babysitting or childcare clubs - School accredited classes, programs or clubs
or programs - Senior centers
- Faith based or religious studies - Sports teams, leagues or associations or sporting
- Fitness clubs events/activities
- Fraternities or sororities - Vehicle owner clubs
- Groups under the direction of a professional counselor - Veterans or military organizations (e.g.: American
or therapist Legion, Elks, Moose, Knights of Columbus)
- Historical battle re-enactment groups
- Wine/beer/alcohol clubs
​Homeowners Associations
Notable Exclusions
 The following represent only some of the exclusions contained in this policy.
- Abuse, molestation or exploitation
- Haunted attractions
- All operations listed as ineligible - Hiking on ungroomed trails or orienteering
- Amusement devices (e.g.: rides, slides, inflatables, bungees - In or on water activities
climbing walls, dunk tanks) - Operation, ownership or management of any
- Any events or activities involving or promoting tobacco
facility or premises, other than while being used
or cannabis
for covered activities
- Asbestos -
Outside concessionaires and vendors in conjunction
Communicable Diseases
with your organization
- ​Cyber incident, data compromise and violation of statutes
Room and board/camping liability

related to personal data
-​Sexually transmitted diseases
Employment-related practices
​The use of power tools, unmanned aircrafts and combustion
- Events where the insured is required to hold a liquor
- ​Transportation of members/participants

license or permit

Events or activities hosted, sponsored or organized by the 

​​​insured that are open to the public


Gambling activities or events

Preliminary Underwriting Information Required
- K&K Applications
- Coverage will be bound for your requested dates upon receipt and approval of your completed enrollment form and