K&K Insurance Group

K&K Insurance Group is a managing general underwriter for sports, leisure, recreation, motorsports, entertainment and event organizations. Its campground program covers privately owned and franchised campgrounds, RV parks and cabin rental operations, and sits alongside separate programs for camps, resorts and guest ranches, events, health clubs, group accident medical and not-for-profit directors and officers liability.

Coverage is bought through a retail agent or broker, not direct: the owner asks their agent to request a quote from K&K. No prior appointment is needed for a producer to submit an application, but binding the first account requires licensing documentation and errors and omissions verification under a Unified Producer Agreement. Eligibility is explicit: the manager must have three years of industry management experience and there is a $5,000 minimum account premium. Applications need the K&K forms, five years of detailed, currently valued loss runs, facility photos, a website address and a plot plan of the premises, plus supplemental questionnaires for activities such as hayrides, go-karts, fireworks, paintball and trampolines. A Wildfire Prevention Questionnaire applies where the risk sits in one of 15 named states: Arizona, Alaska, California, Colorado, Florida, Idaho, Montana, New Mexico, Nevada, Oklahoma, Oregon, Texas, Utah, Washington and Wyoming.

The package spans general liability on a broadened, non-auditable form with no deductible, an expanded bodily injury definition, liquor and fireworks liability, non-owned watercraft up to 51 feet, crisis response coverage and trailer spotting; property with more than 25 coverage expansions, equipment breakdown, a vacancy clause redefined for seasonal operations, a building definition that includes tent pavilions and shelters, signs, boat and canoe racks, platforms and permanently installed playground equipment, business interruption and emergency vacating expenses; plus inland marine, commercial crime, commercial auto, excess liability and workers' compensation. Ancillary operations can be included, among them golf courses and driving ranges, hiking trails, horseback riding, miniature golf, playgrounds, swimming, waterslides, amusement devices and motorized boating.

Two exclusions matter here: campgrounds associated with waterparks and amusement parks are not eligible, and neither are mobile home parks. K&K is a subsidiary of Aon plc, employs more than 250 people at its Fort Wayne, Indiana headquarters, offers over 80 specialty programs, says it insures 350,000+ events and organizations each year, and has written campground insurance for more than 30 years. The company dates to 1952.