Youth Day Camp Insurance

To provide coverage for a new camp or clinic not previously reported, you must inform us in writing of the new dates by completing a youth camp/clinic supplemental request form prior to the start date of the camp/clinic along with any additional premium due. Camps or clinics not reported to us prior to occurring will not be covered.

The effective date is the date you need your insurance to start. For many, this is the first day of the camp/clinic or when you begin setting up. If you are renewing coverage with K&K, use the expiration date of your coverage.

Premium is based on the actual or maximum number of campers expected times a rate. A minimum premium is the amount you must pay if your calculated premium is less than the minimum premium for the option you choose.

Example: A 2-day clinic that needs $1,000,000 in coverage for 50 campers:

Step 1:    Choose Option A on the enrollment form.

Step 2:    Take the daily session rate for Option A, which is $1.33, x 50 x 2 for a premium calculation of $133.

Step 3:    Since the premium calculation is below the $240 minimum premium for Option A, the total premium due for this clinic is $240.

At the time of enrollment, please provide K&K with a list of all your known camps or clinics. Use the maximum number of campers that your camp/clinic can accommodate to calculate the premium due. TBD numbers will not be accepted. You can always submit an audit at the end of your camp if your numbers do not match what you had reported subject to the terms of the policy.

For a new camp/clinic not previously reported, you must inform K&K in writing of the new dates by completing a youth camp/clinic supplemental request form prior to the start date of the camp/clinic along with any additional premium due. Camps or clinics not reported to K&K prior to occurring will not be eligible for coverage.

Cancellations must be reported prior to the scheduled start date or the first day of the camp/clinic session in writing and confirmed by K&K for a refund or credit to be considered. Refunds may be subject to a cancellation penalty of $120 for Option A or $180 for Option B.

Since any changes to your coverage need to be reported prior to the scheduled start date or the first day of camp and be submitted in writing, please either fax or e-mail us the necessary change as soon as you can. If you do not have access to fax or e-mail, please leave us a voicemail message and follow up with written confirmation as quickly as possible.

Your coverage may be subject to an audit. Audit forms will be sent with your certificate of insurance when auditing your camps or clinics. A completed audit form with a roster of the camper’s names is required within 30 days of the end of the reported camp/clinic session.

No. You will receive a certificate of insurance as evidence of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the RPG. The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, Inc., 1712 Magnavox Way, Fort Wayne, IN 46804.