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Tenant User Liability Insurance Program



To apply for coverage for your special event, please proceed to the Get Your Quote/Buy Online link above.  If you do not see the facility listed, please click here and you will be redirected to our short term special event program.

If you are the facility and do not currently have a policy for your tenants with us, please click on the Applications & Printable Documents link under the header and complete the underwriting application.

If you have any questions, please call our office at 877-648-6404. 

This insurance program has been specifically designed for the owners of premises/facilities that are rented or leased to tenants who organize short term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
  • Maximum number of consecutive event days (not including set-up or tear down) is 10.
  • Event is held at a single location.
  • Event location must be held in the U.S.
Eligible Operations
-Achievement celebrations
-Graduation ceremony/party
-Anniversary parties
-Lectures or workshops
-Auctions (property or real estate)
-Meetings (clubs or business)
-Award banquets or presentations
-Memorial services
-Baby showers
-Parties (retirement, house, anniversary, engagement or

-Bar/bat mitzvahs
-Picnics (no in or on water activity)
-Bingo games (for charity/fundraising only)-Quinceaneras
-Birthday parties
-Recitals (dance or musical)
-Business dinners, lectures, seminars, meetings, parties or
-Reunions (class, family or military)

-Rummage sales
-Car, RV or boat shows (static displays only)
-School band or drill team competitions
-Celebrations (holiday)
-School carnivals (no inflatables/rides)
Charity or fundraising event (auction, benefit, dance
or dinner)
-Shows (animals-area setting only, antique, art, baby, 
​Concerts-other than rap, hip hop, heavy metal/screamo
business, consumer, craft or fashion)

​or electronic/techno music - call for approval
-​Social gatherings or receptions
-Speaking engagements
-Debuts or debutante balls
-Walking Tours (garden, holiday, parade of homes, historical
-Dinners, luncheon or showers

sites)- single location
-Festivals or Fairs (harvest, craft, ethnic, job or art)
Wedding ceremonies, showers, receptions or rehearsal 
-Flea markets or swap meets



Ineligible for this program:

Certain event types are not eligible for coverage by this program. K&K reserves the right to decline any request for coverage.
The ineligible event types include, but are not limited to the following (and are excluded from coverage):
Activist rallies/marches/protests
-Geocaching events
-Air shows/events
Gun and/or knife shows
-Animal obedience training
-Haunted attractions/events
Any events involving organized athletic events/competitions
-Health fairs/expositions
Any events and/or concerts - involving rap, hip-hop, heavy
 - Hunting, fishing and hiking events

metal/screamo or techno/electronic 
Mazes (corn, hay or fence)
Any events held on an airport premises
Parades (or any event involving a parade)
Any events honoring national and/or local celebrities or
Political events (except private fundraising auctions, benefits,

professional athletes

dances, dinners)
​-Any events involving in or on water activities
Pumpkin chuckin events
Battle reenactments
Cannabis related events
Shooting events/activities (skeet/trap/clay/guns)
-Christmas tree sales/lots
Tailgating events (unless reported to and approved by us)
-Cinematography or photography events for commercial use
Tractor pulls
Union meetings
Color party, foam party or raves
Walks/running events
 - Food eating contests

Fraternity or sorority events (except alumni association

off-site events that have been approved by us)


Coverages Available & Program Highlights

Commercial General Liability
-Each Occurrence  
-General Aggregate (other than products-completed
-Products-Completed Operations Aggregate  
-Personal and Advertising Injury  
-Damage To Premises Rented to You  
-Medical Expense  

Notable Exclusions

-Abuse molestation, harassment, or exploitation
-Specified recreational activities:  Aircraft/hot air balloon;

Airport; Amusement Devices: The ownership, operation,
Caps on losses from certified acts of terrorism

maintenance or use of any device or equipment a person rides
-Commercial general liability standard exclusions

for enjoyment, including but not limited to: mechanical or 
(CG0001 4/13 edition)

non-mechanical ride, slide, or water slide (including any ski 
​Communicable disease
or tow when in conjunction with a water slide); inflatable
Cyber incident, data compromise and violation of statutes

recreational device, or vertical device or equipment used for
related to personal data

climbing, whether permanently or temporarily erected. This
Employment-related practices​
exclusion does not apply to video or computer games or 
E-commerce consulting

structures that are not designed to bounce on, slide on, ride
Events held at multiple locations

on or tunnel through, Animals, Bungee, Dunk Tank, 
Events held outside the U.S.
Haunted attraction, Performer, Rodeo, Saddle animal, 
Events with over 3,000 in attendance

Those operations listed as ineligible
-Fungi or bacteria
Total pollution with a building heating, cooling & dehumidifying

equipment exception and hostile fire exception
Nuclear energy
Unmanned aircraft
-Operations of concessionaires, exhibitors and/or vendors

at your event

-Petting zoos

​-Room and board liability/overnight camping

​Sexually transmitted disease

​Silica or silica-related dust

Program Administration Information
-The policy will be issued to the Sports, Leisure and Entertainment Risk Purchasing Group dba:  Tenant Users, as endorsed,
 "name of the facility".
-Coverage applies only when the facility is being rented to and being used by tenants/users/lessees for short term special events
that are specifically endorsed to the policy.
-Certificates will be emailed to the insured and the agent if applicable.
-The tenant/user/lessee are the named insured on the policy.  Coverage limits apply separately to each tenant/user/lessee added
to the policy.  The facility owner/operator is named as an additional insured on the policy at no additional charge.
-This is a pre-reporting program.  Each tenant/user/lessee is required to purchase coverage prior to the inception of the event.
-The expected attendance will determine the premium for each event being held at the facility.  Premiums/rates are per
event/per total attendance.  An event is considered 10 consecutive days or less.  Nonconsecutive event days are to be
considered separate events.
-Events with attendance greater than 3,000 but less than 12,000 can be referred to our short term special event program by
filling out and sending in this paper application