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With K&K’s camp, conference and retreat center insurance program, you can spend your time on important hings like keeping your campers happy. We’ll take care of the rest of your worries with an insurance program specifically tailored to the individual needs of your camp. Eligible Operations for Camp, Conference and Retreat Center Insurance: - Activity camp insurance - Leadership camp insurance - Boy and Girl Scout councils insurance - Learning camp insurance - Religious retreat insurance - Conference center insurance - Resident camp insurance - Day camp insurance - Summer camp insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-audited Policy - No Deductible - Sexual Abuse & Molestation Endorsement - per perp form (subject to qualification based on minimum underwriting guidelines) - Fireworks Liability - Expanded Bodily Injury Definition - Medical Professional Employee/Volunteer Liability - Nonowned Watercraft up to 51’ - Personal and Advertising Injury Definition Expanded - Camp Director Liability - Crisis Response Coverage Property - More Than 25 Coverage Expansions - Equipment Breakdown Included - Vacancy Clause Redefined to Address Seasonal Operations - Building Definition Redefined to Include: tent platforms, pavilions and shelters, signs, boat and canoe racks, athletic backstops, permanently installed playground equipment, adventure course structures and climbing walls and above ground tanks - Outdoor property (trees, shrubs, or plants) - Business Interruption (Civil Authority Expansion Available in certain states) - Emergency Vacating Expenses Covered, Full Building Ordinance "A" Coverage Crime Commercial Auto Excess Liability Inland Marine Workers’ Compensation Common Associated Exposures: - Hiking trails - Ropes courses/ - Horseback riding climbing walls/ziplines - On-site physician/nurse - Recreational - Paintball courses boating/canoeing - Swimming Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

...ow used as residences Mountain retreats, including those with water features...tures?Yes, properties like mountain retreats with streams may be eligible, tho...

...each organizations Religious retreats and camps Coverage Highlights ...

...ports camps, day camps, seasonal retreats, and specialty camps including dance...

K&K Insurance Group offers fitness instructor insurance designed to defend and indemnify instructors for alleged negligence resulting in bodily injury and property damage while performing their duties. Must be an instructor who directly supervises an individual or group in sports, fitness, dance or martial arts-related activities. Eligible Operations for Instructor Insurance: Fitness Instructors and Personal Trainers: - Acro dance instructor insurance - Hoop fitness instructor insurance - Acrobatic/partner yoga insurance - Aerial/anti-gravity/suspended yoga instructor insurance (certified - Personal training instructor insurance - Pilates instructor insurance instructors only) - Aerobic instructor insurance - Qigong instructor insurance - Spinning instructor insurance - Aquatic exercise instructor insurance - Cardio kickboxing instructor - Strength instructor insurance - Tai Chi instructor insurance insurance - Children's fitness instructor insurance - Exercise instructor insurance - Tumbling instructor insurance (floor only, no gymnastic apparatus) - Yoga instructor insurance - Fitness bootcamp instructor insurance - GYROTONIC® instructor insurance - Zumba® stroller based instructor insurance Yoga Instructor: - Acrobatic/Partner yoga - Iyengar yoga insurance - Aerial/anti-gravity/suspended yoga insurance (certified instructors only) - Jivamukti yoga insurance - Kripaula yoga insurance - Kundalini yoga insurance - Ananda yoga insurance - Anusara yoga insurance - Mysore yoga insurance - Power yoga insurancc - Ashtanga yoga insurance - Dharma yoga insurance - Prenatal & Postnatal yoga insurance - Forrest yoga insurance - Hatha yoga insurance - Hatha Flow yoga insurance - Hot yoga insurance - Restorative yoga insurance - Sivanada yoga insurance - Vinyasa yoga insurance - Yin yoga insurance Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Expense (other than participants) - Bodily Injury to Participants - Damage to Premises Rented to You K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – fitness instructors Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Catastrophic accident medical insurance solutions for colleges and universities insuring their student athletes participating in intercollegiate athletic programs. Coverage can extend to college club and intramural programs. Eligible Operations for College Athletic Catastrophic Accident Medical Insurance: - Intercollegiate (NCAA/NJCAA/NAIA) athletic programs - Collegiate clubs and intramural sports programs Coverages Available & Program Highlights: Excess Accident Medical - Up to $5,000,000 Policy limit - Minimum Deductible is $25,000 - Expanded Medical coverage - Coverage for HMO/PPO denials - Coverage for pre-existing conditions - Cat Cash Benefit option up to $500,000 - 10 Year Benefit Period (Lifetime Benefit Period option available) Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

The amateur sport team, league and association insurance program is designed for U.S.-based teams, leagues, clubs and associations conducting youth or adult amateur sports activities. Coverage provided 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 Insurance, covered operations consist of scheduled, sanctioned, approved, organized and supervised practices, try-outs, clinics, games, playoffs and tournaments in which you participate or host. Coverage is also provided for registrations, meetings, concession stand operations, parades (in which you participate), picnics, award banquets and ceremonies and incidental fundraising 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 K&K. Eligible Operations for Amateur Sports Insurance: (Including but not limited to) - Baseball team insurance - Basketball team insurance - Cheerleading team insurance - Football team insurance - Hockey team insurance - Lacrosse team insurance - Soccer team insurance - Softball team insurance - Swimming team insurance - Volleyball team insurance Coverages Available & Program Highlights: General Liability (subject to specific sport) - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto and Employers’ Nonownership Liability (not provided while in Hawaii) - Professional Liability - Legal Liability to Participants - Medical Payments for Participants - No Charge for Certificates of Insurance Equipment and Contents - Inland Marine (optional) Directors’ and Officers’ Liability including Employment Practices Liability (optional) Hosted Tournament Coverage (optional) Premises Liability for Sports Fields (optional) Sexual Abuse Liability (optional) Note: For sports organizations with more complex coverage needs contact our Sports unit K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.sportsinsurance-kk.com Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

K&K Insurance offers a dance instructor insurance program offering coverages that will defend and indemnify instructors for alleged negligence resulting in bodily injury and property damage while performing their duties. In addition, coverage is available for either an annual term or for a two-year term. Must be an instructor who directly supervises an individual or group in sports, fitness, dance or martial arts-related activities. Eligible Operations for Dance Instructor Insurance: Dance Instructors: - Acro dance instructor insurance - Irish instructor insurance - Ballet instructor insurance - Jazz instructor insurance - Ballroom instructor insurance - Latin instructor insurance - Belly dancing instructor insurance - Modern instructor insurance - Clogging instructor insurance - Salsa instructor insurance - Contemporary dance instructor insurance - Scottish instructor insurance - Country western instructor insurance - Square instructor insurance - Cultural/ethnic instructor insurance - Swing instructor insurance - Dance insurance - Tango instructor insurance - Flamenco instructor insurance - Tap instructor insurance - Folk dancing instructor insurance - Hawaiian instructor insurance - Tumbling (floor only, no gymnastic apparatus) - Hip Hop instructor insurance - Zumba® instructor insurance Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Expense (other than participants) - Bodily Injury to Participants - Damage to Premises Rented to You K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – dance instructor Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

The health and fitness – exercise, circuit, personal training studio program is designed for U.S.-based owners and operators of exercise studios and circuit training facilities that offer personal/individual training and exercise in scheduled fitness/exercise programs that are under the direct supervision of a fitness professional such as a personal trainer or exercise instructor or in a structured/sequential order for an individual. Coverage provided includes important liability protection for the studio/facility, including its employees for liability claims arising out of the operations of the studio/facility at a designated location. Note: coverage does not extend to independent contractors unless the optional coverage available with this program is purchased. Additional insurance programs may be available for facilities not eligible for this program, or those requiring additional coverage needs. Contact K&K to help place your risk. Eligible Operations for Health and Fitness - Exercise Studio Insurance, Circuit Studio Insurance and Personal Training Studio Insurance: U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto Liability and Non-Owned Auto Liability (not available in IL, LA, UT, VT and WI) - Professional Liability - Bodily Injury to Participants - Premises Liability Included Optional Coverages Equipment and Contents - Inland Marine Liability for Independent Contractors (non-employees) Abuse, Molestation, or Exploitation Defense Reimbursement Coverage Sexual Abuse or Sexual Molestation Liability K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.fitnessinsurance-kk.com – small fitness and exercise facilities and instructors Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

The youth day camp insurance program is designed for U.S.-based youth day camp operations (those attended by campers age 19 or under) with programs dedicated to activities other than sports skill development. Coverage provided under this program includes important liability protection for the camp, including its employees and volunteers, for liability claims arising out of its operations. In addition, the program provides medical payments for participants coverage to the camp participants. Coverage is provided on an annual basis, but only applies to those camp sessions that are specifically reported. Eligible Operations for Youth Day Camp Insurance: - Academic day camp insurance - Math day camp insurance - Arts and crafts day camp insurance - Music day camp insurance - Computer day camp insurance - Performing arts day camp insurance - Creative writing day camp insurance - Photography/film making day camp - Culinary day camp insurance insurance - Etiquette day camp insurance - Science day camp insurance - Inventive builder/Lego® day camp - Vacation bible school day camp insurance insurance Day camps/clinics for youth with an accompanied adult are eligible for this program e.g.: (parents and me camps). Ratios cannot be more than two adults per child. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You (Fire Legal Liability) - Medical Expense (other than participants) - Hired Auto and Employers’ Nonownerhsip Liability (not provided while in Hawaii) - Professional Liability - Legal Liability to Participants K&K Insurance Group offers sports and recreations websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following sites: www.campinsurance-kk.com - non-sport day camps Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864