K&K Insurance: A Detailed Review, Pros & Cons

K&K Insurance is an excellent choice for your business if you fall into one of their specific areas of expertise: sports and leisure, motorsports, or events & attractions.

K&K Insurance is well-known for providing high-quality coverage and outstanding customer service. This can give you peace of mind knowing that they’ll be there for you if you ever need to make a claim. They also have a team of experienced professionals who are committed to understanding your unique needs and offering tailored insurance solutions.

About the Carrier

With more than seven decades of experience, K&K Insurance Group is a top-notch provider of insurance services for industries related to sports, leisure, and recreation. They initially started with a focus on motorsport coverage, thanks to their visionary founders. Over time, they’ve expanded their offerings to cover a wide range of fields, including event production professionals, fairs and festivals, martial arts schools and instructors, outdoor adventure camps, and more.

Their dedication revolves around safeguarding enjoyable activities and ensuring smooth claim handling. If it’s about having fun, chances are that K&K has your insurance needs covered!

Pros and Cons of K&K Insurance

Pros and Cons of K&K Insurance


  • Specialization: K&K Insurance specializes in industries like sports, leisure, and recreation, ensuring they understand your unique needs.
  • Customized Coverage: They offer tailored insurance solutions, so you get coverage that suits your specific requirements.
  • Customer Service: K&K has a strong reputation for providing excellent customer service, giving you peace of mind.
  • Strong Reputation: They’ve been in the industry for over 70 years, earning a solid reputation for quality coverage.


  • Limited Coverage Options: They may have fewer coverage options compared to larger insurers.
  • Limited Availability: K&K Insurance might not be available in all areas.
  • Expensive Coverages: Their specialized coverage can sometimes come at a higher cost.

K&K Insurance Products and Services

K&K Insurance offers a range of policies designed to meet the unique needs of their clients. These include general liability, property, event cancellation, and equipment insurance, among others. They deeply understand the risks their clients face and have developed specialized policies. For instance, in motorsports:

  • Participant Accident Insurance: Covers injuries to drivers, riders, and crew during motorsports events, including medical expenses, disability benefits, and accidental death and dismemberment benefits.
  • Commercial General Liability Insurance: Provides coverage for bodily injury and property damage claims during motorsports events, protecting event organizers, track owners, and promoters.
  • Property Insurance: Covers property damage to racing vehicles, transport vehicles, and equipment used in motorsports events, including fire, theft, and other types of damage.
  • Event Cancellation Insurance: Offers coverage for financial losses incurred by event organizers due to the cancellation or postponement of motorsports events, including expenses like venue rental, advertising, and ticket sales.
  • Motorsports Commercial Auto Insurance: Provides coverage for commercial vehicles used in motorsports events, including transport vehicles, support vehicles, and race vehicles, covering liability, physical damage, and medical payments.

Overall, K&K Insurance is a well-respected provider offering various coverage options for specialized industries. If your business operates in one of these sectors, consider K&K Insurance as a potential partner for your insurance needs.

K&K Insurance Customer’s Reviews

K&K Insurance Customer’s Reviews
  • Different from regular car insurance companies, specialize in high-risk sports coverage.
  • Provides easy and quick access to insurance with prompt issuance of Certificates of Insurance (COI) at a good price.
  • Offers a friendly and welcoming environment, with helpful staff and fantastic people.
  • Praised for both its staff and products.
  • Positive feedback about the staff’s professionalism and service.
  • Negative experience mentioned, where the company collected payment and required completion of a form but later declined coverage, promising a refund in 10 business days.

Source: BBB, Trustpilot

Third Party Reviews and Ratings 

K & K Insurance’s Accreditations and Ratings:

  • Better Business Bureau (BBB): K & K Insurance is accredited by the Better Business Bureau (BBB) and holds the highest possible rating of A+. This rating reflects K & K Insurance’s commitment to excellent business practices, including transparency, responsiveness, and integrity. The BBB also provides customer reviews and complaints on its website, offering valuable information for consumers considering working with the company.
  • A.M. Best Rating: K & K Insurance Group has received an A- (Excellent) rating from A.M. Best, a prominent credit rating agency specializing in the insurance industry. This rating signifies that A.M. Best recognizes K & K Insurance Group as having a strong financial position and the ability to fulfill its obligations to policyholders. A.M. Best evaluates insurance companies based on their operational performance, financial strength, and business profile. An A- rating is a favorable assessment, indicating that K & K Insurance Group maintains financial stability and is a dependable insurer.

K&K Insurance reviews: Which is the best sports insurance option?

K&K Insurance brings extensive experience to specialized markets, making it a preferred choice for associations and niche business owners. Its high BBB ratings highlight its stability, but some customers have encountered challenges with claims processing, suggesting room for improvement in that area.


K&K Insurance reviews: Which is the best sports insurance option?

Collaborating with independent insurance agents simplifies customer service, yet varying customer experiences exist. When considering K&K Insurance or any insurer, thorough research and consideration of individual needs are crucial, as satisfaction can differ based on personal circumstances and expectations. The best choice depends on factors like budget, coverage requirements, and customer service expectations.

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K&K Insurance: FAQs

What is K&K’s average claim response time frame?

K&K Insurance provides a wide range of insurance policies and programs tailored to specialty risks. These claims may involve business owners or individual participants, such as children taking part in a sports program. It’s worth noting that K&K does not publicly specify a specific time frame for responding to claims of any type.

What is K&K’s customer service availability?

K&K Insurance provides customer service over the phone from Monday to Friday, between 5:00 am and 5:00 pm CST. Customers have multiple contact options, including phone, fax, and email. Additionally, customers can seek assistance through their independent insurance agent. For initiating claims, there are various methods available, depending on the type of claim and the specific insurance program. These include phone, online submission, or using a downloadable form.

What is K&K’s claims process?

The claims procedure varies depending on the type of insurance product and the claimant involved. For auto, liability, and property insurance customers, initiating a claim is as simple as completing a product-specific online claim form.

However, when it comes to participant accident claims, the process is a bit more intricate. K&K provides a standard claim form, but participants are advised to first consult with their school district or organization. These organizations may have unique instructions or specific claim forms tailored to their activities. They may also have specific requirements for claim validation before submitting it to K&K.

Furthermore, the K&K claims department can be reached through phone or email for additional support and guidance.

Does K&K Insurance create a user-friendly experience for customers?

K&K’s official website serves as a comprehensive resource, providing extensive details about the company’s history, experience, products, and guidance on how to initiate a claim. However, navigating the “Contact Us” section may be somewhat confusing, particularly for individual participants in accident programs, due to multiple contact options tailored to different programs and organizations.

Customers have the option to start the claims process online or download the necessary forms from the website. While customer service is accessible from 5:00 am to 5:00 pm CST, extended hours beyond this timeframe are not publicly disclosed. It’s noteworthy that the company does not maintain a presence on social media platforms.

Does K&K Insurance have good insurance?

K&K Insurance emphasizes that they meticulously research each of their specialty insurance programs. Their aim is to consistently offer competitive insurance sourced from financially stable insurance companies. With effective planning and unparalleled expertise, K&K intends to maintain its leadership position in the industry.

Is K&K a good insurance company?

K&K Insurance takes pride in its core competency, which lies in its extensive industry experience and profound understanding of the sectors it serves. With decades of involvement in these specialized markets, the company possesses a deep insight into the distinctive challenges and issues these markets face.

K&K remains actively engaged in industry associations, trade organizations, events, conventions, and meetings to stay well-informed and actively involved in the latest issues and trends within the industries it serves. This commitment allows them to continue providing valuable and relevant insurance solutions to their clients.

Final Thoughts

K&K Insurance, an industry leader, provides specialized coverage with decades of experience and a commitment to excellence. Their expertise and association involvement make them a reliable partner for tailored business insurance.

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