The specialty MGA that has been "Insuring the World's Fun" since 1952. 80+ programs for fitness, sports, recreation, and entertainment — with competitive rates and easy digital binding for the exact clients who need specialized coverage.
K&K Insurance Group was founded in 1952 in Fort Wayne, Indiana — originally as an innovator in motorsports insurance. Over 70+ years, K&K has grown to become one of the largest Managing General Underwriters (MGAs) in the United States, specializing exclusively in sports, leisure, and entertainment insurance. The company is a subsidiary of Aon plc, the global professional services and risk management firm, and employs more than 250 people dedicated entirely to specialty sports and recreation programs. K&K pays commission to independent agents and offers over 80 specialty programs across fitness, sports, recreation, events, camps, motorsports, venues, and more.
As an MGA, K&K does not carry its own AM Best rating — but the underlying carriers behind K&K programs include Aon's insurance underwriting subsidiaries and other admitted carriers rated A Excellent or better. The Aon parent connection provides meaningful institutional financial backing. K&K holds a BBB A+ rating and has a 70-year track record in their specialty markets.
Options Insurance places fitness instructors, yoga instructors, personal trainers, health club operators, and other recreation and sports businesses with K&K. The experience has been consistent with what K&K promises: specialized coverage designed around how these businesses actually operate, competitive pricing, and a platform that makes quoting and binding straightforward. For clients in K&K's specialty lanes, it's often the best — and sometimes only — appropriate option in the market.
70+ years of specializing in sports, fitness, and recreation insurance. Here's what consistently makes K&K the right call for our fitness and recreation clients.
K&K's Instructors + Schools program is specifically designed for fitness and yoga instructors, personal trainers, martial arts instructors, dance teachers, and other professional instructors. The coverage includes general liability and professional liability in a single policy — covering both the bodily injury risk of instruction (a student falls during a yoga pose) and the professional liability risk (a client claims your programming caused an injury). Standard commercial carriers write this class as an afterthought. K&K built a dedicated program for it with competitive rates and fast binding.
K&K covers what other carriers don't: fitness facilities and health clubs, sports teams and leagues, camps and campgrounds, motorsports events, outdoor recreation outfitters, event venues, zoos and aquariums, travel protection, product liability for sports equipment manufacturers. For clients in niche recreation and sports categories that standard carriers either decline or underwrite poorly, K&K's 80+ specialized programs often have a purpose-built product ready. The breadth of their specialty appetite is unmatched in our portfolio.
Carolyn's experience placing fitness and recreation clients with K&K has been consistent: the platform is easy to use, rates are competitive for the classes they specialize in, and binding is fast. For instructors and small recreation businesses who need coverage quickly — often to satisfy a studio lease requirement or event venue requirement — K&K's efficient quoting and binding process gets the job done. The combination of specialized coverage and operational ease is why K&K is Carolyn's first call for fitness and recreation placements.
K&K's Events program covers fairs, festivals, concerts, sporting events, corporate events, and other one-time and recurring event exposures. For clients who host or participate in events and need event-specific liability coverage, K&K offers dedicated event insurance that standard GL policies may not adequately cover. This is particularly valuable for fitness professionals who teach at special events, retreats, or pop-up fitness programs outside their primary studio location.
K&K's claims department is staffed with examiners and litigation specialists who specialize in sports, fitness, and recreation claims. When a yoga student alleges an injury during instruction, or a sports event produces a liability claim, the K&K claims team understands the specific risk landscape of these industries. That depth of specialty claims expertise — built over 70 years — is a meaningful advantage over general commercial carriers whose adjusters may have limited exposure to sports and fitness liability claims.
K&K is a subsidiary of Aon plc — one of the world's largest professional services firms. While K&K doesn't carry its own AM Best rating, the underlying carriers in K&K programs benefit from Aon's institutional financial backing and global reinsurance access. For specialty MGAs, institutional parent backing is a meaningful indicator of long-term stability and claims-paying capacity. The Aon connection also means K&K has access to sophisticated risk pricing models that generic specialty markets don't have.
No carrier is perfect. Here are the honest gaps to know before placing with K&K.
Here's an honest picture of who belongs with K&K — and who we'd place with a general commercial carrier instead.
"K&K has so many programs available and the ease to bind coverage and competitive pricing for our customers make it a standout in our portfolio. When a fitness instructor, yoga teacher, or recreation business needs specialized coverage, K&K is almost always the first call — they built their entire company around insuring exactly these clients."
— Carolyn Todd, Commercial Lines Agent, Options Insurance
Already a K&K client through Options Insurance? Here are the resources you need.
K&K's main line for claims and customer service — Mon–Fri 8am–5pm EST. You can also submit claims online at kandkinsurance.com/claims. Your Options Insurance agent can help coordinate the process and advocate on your behalf.
Policy changes, billing, and general service — Mon–Fri 8am–5pm EST. For most policy questions and changes, your Options Insurance agent is the fastest route. Carolyn manages K&K relationships directly for all fitness and recreation placements.
Log in to renew, manage, or access your K&K policy purchased through the online process. For policies placed through Options Insurance, Carolyn handles renewals and changes directly.
K&K's full program directory — 80+ specialty programs across sports, fitness, recreation, events, motorsports, camps, and more. If you're in a niche recreation or entertainment category, browse to see if K&K has a purpose-built product for your class.
Carolyn is Options Insurance's lead commercial lines agent and primary K&K placement agent. She specializes in fitness, yoga, and recreation insurance — and K&K's platform lets her quote and bind quickly for clients who often need coverage fast for a studio lease or event. "K&K has so many programs available and the ease to bind coverage and competitive pricing for our customers make it a standout."
Tell us a little about what you need. One of our agents will follow up — usually same business day.
No obligation. We'll find the right K&K program for your fitness or recreation business.
We'll confirm K&K has the right program for your fitness, sports, or recreation business — and get you covered quickly.
Start Your Free Quote →The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance is appointed with K&K Insurance as an independent agent. This review is not sponsored, approved, or endorsed by K&K Insurance Group or Aon plc. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. K&K Insurance Group is a subsidiary of Aon plc and operates as a Managing General Underwriter (MGA). K&K does not carry an individual AM Best rating; underlying carrier financial strength varies by program. Coverage availability and terms vary by program and state. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.