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MSA's insurance partner K&K Insurance Group continues to provide excellent secondary medical coverage as well as liability coverage for our member organizations.   All MSA member organizations in good standing are provided seasonal coverage through K&K Insurance Group.  Coverage provided under this program 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, covered operations consist of your scheduled, sanctioned, approved, organized and supervised practices, try-outs, clinics, games, play-offs and tournaments in which you participate or host. In addition, coverage is provided for your registrations, meetings, concession stand operations, parades in which you participate, picnics, award banquets and ceremonies and incidental fund-raising 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 us.

Commercial General Liability Optional Coverages Available
- Bodily Injury & Property Damage - Directors' & Officers' Liability including Employment
- Medical Payments for Participants (not available for all sports)   Practices Liability and NEW Cyber Privacy and                     
- Personal & Advertising Injury   Identity Theft endorsement                       
- Medical Expense (other than participants)  - Hosted Tournament Coverage
- Damage To Premises Rented to You  - Premises Liability for Sports Fields                    
- Products-Completed Operations  - Abuse, Molestation, Harassment or Sexual Conduct
- Legal Liability to Participants (not available for all sports)   Defense Cost Reimbursement Coverage
- Professional Liability (not available for all sports)  -  
- Hired Auto and Employers Nonownership Liability (not -  
  provided while in Hawaii)                       

Player injury claims must be submitted by a parent or legal guardian. Once approved,  the claim will be handled through the claims department of K&K.  MSA is not involved in the payment process of any medical claims submitted.  


There are times when a member organization must practice/play outside of their home complex. Additional Liability coverage for a property may be provided by MSA through K&K if the property meets all viable conditions outlined in the request form.  To complete a request form, please click HERE.  Please allow 1-2 business days for certificate completion.

Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.
Coverage can be provided to tournaments you host that include participants that are not registered members of your organization. An additional fee will apply.

Notable Exclusions

- 24-hour Premises Liability - Fungi or Bacteria
- Abuse, Molestation, harassment or sexual conduct - Haunted Attractions
- All operations listed as ineligible - Lead
- Amusement Devices (e.g.: rides, slides, inflatables, - Non-rostered participants at tournaments
  bungees, climbing walls, or dunk tanks)   hosted by the insured
- Asbestos - Operation, ownership, or management of any athletic field
- Baby-Sitting/Child Care Services   or facility, other than while being used for covered activities
- Carnivals/Festivals - ​Outside vendors/concessionaires in conjunction with your
​- Communicable Diseases (effective 7/1/20 and after) organization
- ​Concerts - Sport Events/Activities involving participants in sports other
- Cryogenic chambers/therapy   than those reported and for whom a premium has been paid
- Employment-Related Practices - Transportation of Athletes/Participants
- Events involving Gambling (e.g.: bingo, casino nights, - Violation of statutes that govern e-mails, faxes, phone
  poker, Texas hold'em tournaments)   calls or other methods of sending materials or information
- Events where alcohol is furnished or served    
​- ​Fireworks