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Short-Term Special Event Insurance

Short Term Special Events Insurance

Short-Term Special Event Insurance Coverage

K&K offers coverage for weddings, parties, corporate events, and more. Whether an accident, injury, or some other unforeseen circumstance, insurance can provide peace of mind and provide a financial safeguard against unexpected mishaps. 

This program is for those who are hosting or organizing an event. Concessionaires, exhibitors, and vendors click here for coverage.

This insurance program has been specifically designed for organizers of short-term special events that meet the following criteria:

  • Maximum total attendance is 3,000 or less.
    (If the attendance is over 3,000 for an event, please click on the Applications & Printable Documents link above for a printable PDF application).
  • 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.

Note: Special Events that may not be eligible for the program outlined below or have more complex coverage needs should visit our Special Events program (live link to Special Events page).

Eligible Operations
- ​After prom parties (school-sponsored event only)
- Graduation ceremonies
​-Grand openings
- Award Presentations
- Job fairs
- Ball/Dances
- Lectures/seminars/workshops
- Banquets
- Meetings
- Bar mitzvah or bat mitzvah
- Memorial services
- Bazaars
- Pageants
- Benefits
- Parties
- Billiard events/tournaments
- Picnics (no in or on water activities)
- Bingo games (for fundraising/charity only)
- Poet or poetry readings
Book Signings
- Proms
- Card games/events (for charity/fundraising only)
- Memorial Service
- Car/motorcycle/RV/boat shows - static display only**
- Quinceaneras
​-Car Washes (focharity/fundraising only only)
​-Recitals (dance, music)
- Casino Events (focharity/fundraising only)
- Religious events
- Celebrations (holiday, new year)
- Reunions
- Chamber of commerce business events/mixers
- Sales (bake, charity, consignment, estate, garage)
Charity events
- School band or drill team competitions
- Chess events
- School carnivals (no rides/inflatables)
- Christmas caroling (single location)
- Showers (baby, bridal, wedding)
- Christmas lighting ceremony
- Shows (animals-arena setting only, antique, art, baby,
- Concerts - other than rap, hip-hop, heavy metal/screamo or

business, collector, consumer, craft, fashion, flower, garden,

techno/electronic (call for approval)**

home, stage, wedding)
- Conventions
- Social gatherings or receptions
- Debuts or debutante balls
- Speaking engagements
- Dinners, luncheons or showers
- Talent searches/shows - children only
- Direct selling consultant parties
- Telethons
- Easter egg hunts (no egg drops from aircrafts)
- Theatrical performances or musicals
- Farmers' markets
- Walking tours (garden, holiday, parade of homes, historical
- Festivals

sites) - single location
- Film screening or showings
- Wedding activities' (rehearsal. ceremony or reception)
​-​Flea markets or swap meets

- Food cooking contests

**Available for consideration with a paper application.​

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
- Fraternity or sorority events (except alumni association 
- Aircraft shows/events

off-site events that have been approved by us)
- Animal obedience training
- Geocaching events
- Any events involving organized athletic events/competitions
Gun and/or knife shows
​-Any events and/or concerts - involving rap, hip-hop,
Haunted attractions/events

heavy metal/screamo or techno/electronic
Health fairs/expositions
-Any events held on an airport premises
-​Hunting, fishing and hiking events
Any events honoring national and/or local celebrities or
​-Mazes (corn, hay or fence)

professional athletes
- Parades (or any event involving a parade)
Any events involving in or on water activities
- Political events (except private fundraising auctions,
- Battle reenactments

benefits, dances, dinners)
​-Cannabis related events
​-Pumpkin chuckin events
- Christmas tree sales/lots
- Rodeos
- Cinematography or photography events for commercial use
- Seances
- Circuses
- Shooting events/activities (skeet/trap/clay/guns)
Color party, foam party or raves
- Tailgating events (unless reported to and approved by us)
- E-gaming
- Tractor pulls
Food eating contests
​-Union meetings

​-Walks/running events*

*For walks and/or running events, please visit Walk/Run Event page or contact us for additional information.

Coverages Available & Program Highlights

Commercial General Liability
- Personal and Advertising Injury    
- Medical Expense    
- Damage To Premises Rented to You    
- Products-Completed Operations    

Notable Exclusions

- Abuse molestation, harassment, or exploitation
- Sexually transmitted disease
- Any event held at multiple locations (except for weddings)
Silica or silica-related dust
Any event held outside the U.S.
- Specified recreational vehicles and activities - 
- Any event with over 3,000 in attendance

Aircraft/hot air balloon; Airport; Amusement devices: The
- Asbestos

ownership, operation, maintenance or use of any device
Cap on losses from certified acts of terrorism

or equipment a person rides for enjoyment, including, 
Commercial general liability standard exclusions 

but not limited to: mechanial or non-mechanical ride, slide,
(CG0001 4/13 edition)

or water slide (including any ski or tow when used in
Communicable disease

conjunction with a water slide); inflatable recreational 
Cyber incident, data compromise, and violation of statutes

device; or vertical device or equipment used for climbing, 
related to personal data
whether permanently affixed or temporarily erected.  This
E-commerce consulting
exclusion does not apply to video games or computer
Employment related practices

games or structures that are not designed to bounce on, 
- Fireworks
slide on, ride on or tunnel through; Animals; Bungee; 
Fungi or bacteria
  Dunk Tank; Haunted attraction; Parade; Performer; Rodeo;
Saddle animal; Snowmobile
- Nuclear energy
- Total pollution with a building heating, cooling & dehumidifying
- Operations of concessionaires, exhibitors and/or vendors

equipment exception and hostile fire exception
at your event
Unmanned aircraft
​-Petting zoos

Room and board liability/overnight camping

Preliminary Underwriting Information Required
The following information is required 10 business days prior to the desired effective date:
- Completed and signed enrollment form
- Full premium payment by check or credit/debit card