Overview of the Program From Amwins Underwriting
This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly.
Ideal Accounts and Appetite
- Polo clubs and other mounted-sport groups
- Dog clubs (excluding protection-training focused clubs)
- Multi-state clubs that travel or compete in several jurisdictions
- Breed registries and associations providing member benefits
- Competitive trail riding groups and endurance events
- Collegiate riding and animal clubs
- Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned)
Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting.
Coverage Highlights and Advantages
- General liability tailored for club and event exposures
- Optional professional liability where appropriate for instructors, judges or club-run services
- Medical payments coverage for on-site incidents
Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues.
Underwriting Notes and Minimum Premiums
Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history.
Territories and Availability
This non-admitted/surplus lines program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed.
Why Work With Amwins Underwriting on This Business
Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review.
Example scenarios
- You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers.
- A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering.