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Amateur Sports- Teams, Leagues & Associations


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Coverage is not available in the states of Alaska and Rhode Island.

This program is designed for U.S.-based teams, leagues, clubs and associations conducting youth or adult amateur sports activities. Coverage provided under this program includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. For eligible sports and age groups reported to K&K, covered operations consist of your scheduled, sanctioned, approved, organized and supervised practices, try-outs, clinics, games, play-offs and tournaments in which you participate or host. In addition, coverage is provided for your registrations, meetings, concession stand operations, parades in which you participate, picnics, award banquets and ceremonies and incidental fund-raising activities involving the sale of products, coupons, raffle tickets and services, such as; car washes, bake sales and coin drops for those sports and age groups reported to us.

Note: Sports organizations that may not be eligible for the program outlined below and/or have more complex coverage needs should visit our Amateur Sports Associations program administered in our Sports Unit.

Eligible Operations

Operations providing instruction, practice, and competition in the following sports and age groups are eligible for this program, with coverage to be provided based on Class A or Class B classifications.

-Amateur Sports Recreational Adult/Youth Leagues-Amateur Sports Recreational Teams
-Amateur Sports Instructional Programs
Class A Sports
-Box Lacrosse
-​Inline Skating (speed)
-Broomball-Lacrosse (age 20 & over)
-Roller hockey (inline)
-Umpire/referee associations for Class A sports
​Flex FootballTM (age 20 & over)
Water hockey (age 20 & over)
​-Water Polo (age 20 & over)
-Ice Hockey
-Weightlifting (age 20 & over)
-Inline Hockey-
Wrestling (age 20 & over)

Class B Sports
-Team handball
-Dance team (age 19 & under)
-Drill team (age 19 & under)
-Track & field
-Flag/touch football
-Ultimate frisbee
-Umpire/referee associations for Class B sports
-Water polo (age 19 & under)
-Weightlifting (age 19 & under)

Class C Sports
​-​Cheerleading (age 19 & under)
​-​Soccer (age 19 & under)
-​Deck/floor/street hockey
​-​Tackle & contact football (age 19 & under)
​-​Field hockey
​-​Umpire/referee associations for Class C sports
Flex FootballTM (age 19 & under)
​Water hockey (age 19 & under)
​-​Lacrosse (age 19 & under) ​-​Wrestling (age 19 & under)
​-​Roller hockey (quad)


Ineligible Operations

-BMX/Stunt Cycling-Mixed martial arts
-Boating activities/sports-Open water sports/activities
-Professiona/Semi-Professional teams and leagues*
-Cheerleading (age 20 & over)
​Collegiate summer teams/leagues/associations*
Shooting Sports
​-​Dance team (age 20 & over)​-​Skiing (snow or water)
-Drill team (age 20 & over)-Soccer (age 20 & over)*
-Equestrian-Strength & Conditioning
- Gymnastics/cheer/dance/martial arts studios-Surfing
-Inline extreme/stunt/aggressive/free-style skating-Tackle and Contact Football (age 20 & over)
-Intercollegiate/Interscholastic Teams, Leagues and-
Umpire/referee associations involved with any ineligible
Associationssports operations
​*Contact us for available coverage options

Sports Groups that are affiliated with the following organizations are Not eligible for this program but may contact our Sports Unit.

-American Legion Baseball
-Pop Warner
-Babe Ruth/Cal Ripken Baseball
-Soccer Association for Youth, USA (SAY Soccer)       
-Babe Ruth Softball
World Adult Kickball Association (WAKA®)     


Coverages Available

Commercial General Liability Optional Coverages Available
-Bodily Injury & Property Damage-Directors' and Officers' Liability including Employment
-Medical Payments for Participants (not available for all sports)  Practices Liability
-Personal & Advertising InjuryEquipment & Contents (Inland Marine)
-Medical Expense (other than participants)-Hosted Tournament Coverage
-Damage To Premises Rented to You

-Products-Completed Operations

-Legal Liability to Participants (not available for all sports)
-Professional Liability (not available for all sports)  
-Hired Auto Liability and Non-Owned Auto Liability


Program Features

Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.
Coverage can be provided to tournaments you host that include participants that are not registered members of your organization. An additional fee will apply.

Notable Exclusions

-24-hour Premises Liability-Employment-related practices
-Abuse, Molestation, harassment or sexual conduct
-Events involving gambling (e.g.: bingo, casino nights, poker,
​Aircraft/hot air balloon
Texas hold'em tournaments)
Events where alcoholic beverages are furnished or served by
-Amusement devices (The ownership, operation, maintenance

you, your employees or your "volunteer workers"

or use of: any mechanical or non-mechanical ride, slide, or 

water slide, any inflatable recreational device, any bungee 
Fungi or bacteria

operation or equipment, any vertical device or equipment used
Gymnastics studios

for climbing-either permanently affixed or temporarily erected, 
-Haunted attractions

or dunk tank. Amusement devices do not include any video
Intercollegiate & Interscholastic teams, leagues and associations

or computer games or any device that is specifically designed for

the training or instruction of the activity for which you are 
Martial arts studios

-Non-rostered participants at tournaments hosted by the enrolled 
Animals (injury or death to, or injury, death or property damage
member (unless optional coverage is purchased)

caused by any animal owned, rented or hired by you)
-Nuclear energy liability
Operation, ownership or management of any athletic facility
​Athletic or sports participants in: Box lacrosse, Broomball, 
​or field, other than while being used for covered activities

​Diving, Dodgeball, Gymnastics, Hurling, Ice hockey, Inline
​Operations of independent concessionaires/vendors in 

​hockey, Inline skating (speed), Flex FootballTM (age 20 &
​conjunction with your organization

​over), Judo, Karate, Lacrosse (age 20 & over), Martial arts, 

​Powerlifting (age 20 & over), Ringette, Roller hockey (inline),

​Taekwondo, Takraw, Umpire/referee association for Class A
​Saddle animals

​Sports, Water hockey (age 20 & over), Water polo (age 20 &

​over), Weightlifting (age 20 & over), Wrestling (age 20 & over)
​Sports events/activities involving participants in sports other 
​-Babysitting/child care services
​than those reported and for whom premium has been paid
Those operations listed as ineligible
​Cheer and dance studios
​Transportation of athletes/participants
​Commercial general liability standard exclusions 
​Violation of statutes that govern e-mails, faxes, phone calls or

​(CG0001 4/13 edition)

​other methods of sending materials or information
​Communicable disease


Cryogenic chambers/therapy


Underwriting Information Required

-Completed and signed enrollment form
-Full payment by check or credit/debit card
- NOW AVAILABLE - Buy Coverage On-line and receive your coverage documents immediately, upon completion of the application and payment!