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Program Overview The Bowling Centers Insurance Program from NIF Group Inc. is built for the specific exposures bowling centers face. As a program administrator with niche-market expertise, NIF Group offers an admitted program that combines broad package options, experienced underwriting, and straightforward placement for both independent alleys and facilities that are part of larger entertainment venues. This program is available to licensed agents and brokers seeking a reliable admitted market for bowling center risks. NIF Group accepts submissions from appointed producers and provides competitive commissions, underwriting guidance, and capacity suited to a range of operations. Ideal Accounts and Appetite The program is designed for a variety of bowling-related operations, including: Standalone bowling centers Bowling centers with restaurants, bars, or concession service Family entertainment centers that include bowling lanes alongside other attractions Preferred accounts are well-maintained facilities with documented risk-management practices and manageable loss histories. NIF Group can underwrite both monoline and package placements and is comfortable with single-location alleys up to multi-location regional operations. Example fits: a 12-lane community bowling alley with a snack bar and arcade, or a family entertainment venue offering bowling plus casual dining and attractions such as laser tag. Risks with significant, repeated liability or property losses, or those lacking basic safety controls, are less likely to fit the appetite. Coverage Highlights and Advantages Program Highlights Admitted coverage through an “A, XV” rated carrier for stability and market confidence Available in 48 states plus the District of Columbia (not available in Alaska or Hawaii) Comprehensive package options that can include: General Liability Property Crime Inland Marine Equipment Breakdown Liquor Liability Commercial Auto Umbrella limits available up to $5,000,000 Appointed producers receive a competitive commission structure Coverage Limits General Liability: up to $2,000,000 each occurrence / $2,000,000 aggregate / $4,000,000 products-completed operations aggregate Commercial Auto (including Hired & Non-Owned): up to $1,000,000 Umbrella: up to $5,000,000 Property Broadening Form included to enhance standard property coverage Underwriting Notes There are no published minimum premiums, but underwriters favor clean, well-run operations with complete submission packages. When you submit, include a full application, current loss runs, and details on any food or alcohol service and controls in place. Liquor liability can be offered for qualifying risks that hold proper licensing and demonstrate responsible procedures. Territories and Availability This admitted program is available in 48 states and the District of Columbia; Alaska and Hawaii are excluded. Producers in the Midwest, East Coast, South, and West can place eligible bowling center business with NIF Group through the appointed distribution channels. Why Work With NIF Group? NIF Group combines focused underwriting for niche hospitality and entertainment segments with the stability of an admitted “A, XV” carrier. Working with NIF Group gives you access to an experienced team that understands bowling center operations and the exposures that matter most—slip-and-fall, liquor liability, property damage to lanes and equipment, and exposures from ancillary food and arcade operations. Their underwriting approach is pragmatic: they look for documented controls and reasonable loss histories, and they move quickly on well-prepared submissions. Explore the full Bowling Centers Insurance Program to see detailed program information and submission instructions. Frequently Asked Questions What types of accounts are a good fit for this program? Standalone bowling centers, operations with food and beverage service, and family entertainment centers that include bowling are all good fits. Underwriters prefer operations with documented risk management and reasonable loss histories. Is the program admitted? Yes. The program is admitted and written through an “A, XV” rated carrier. Which states is this program available in? The program is available in all U.S. states except Alaska and Hawaii; it is also available in the District of Columbia. What coverages are included in the package? The package can include general liability, property, crime, inland marine, equipment breakdown, liquor liability, commercial auto, and umbrella coverage depending on the account. Can I submit a risk with a liquor license? Yes. Liquor liability coverage is available for qualifying risks that maintain proper licensing and controls; include details on alcohol service in your submission. Need help placing an account? Connect with a market specialist.

Program Overview The Bowling Centers Insurance Program from NIF Group Inc. is built for the specific exposures bowling centers face. As a program administrator with niche-market expertise, NIF Group offers an admitted program that combines broad package options, experienced underwriting, and straightforward placement for both independent alleys and facilities that are part of larger entertainment venues. This program is available to licensed agents and brokers seeking a reliable admitted market for bowling center risks. NIF Group accepts submissions from appointed producers and provides competitive commissions, underwriting guidance, and capacity suited to a range of operations. Ideal Accounts and Appetite The program is designed for a variety of bowling-related operations, including: Standalone bowling centers Bowling centers with restaurants, bars, or concession service Family entertainment centers that include bowling lanes alongside other attractions Preferred accounts are well-maintained facilities with documented risk-management practices and manageable loss histories. NIF Group can underwrite both monoline and package placements and is comfortable with single-location alleys up to multi-location regional operations. Example fits: a 12-lane community bowling alley with a snack bar and arcade, or a family entertainment venue offering bowling plus casual dining and attractions such as laser tag. Risks with significant, repeated liability or property losses, or those lacking basic safety controls, are less likely to fit the appetite. Coverage Highlights and Advantages Program Highlights Admitted coverage through an “A, XV” rated carrier for stability and market confidence Available in 48 states plus the District of Columbia (not available in Alaska or Hawaii) Comprehensive package options that can include: General Liability Property Crime Inland Marine Equipment Breakdown Liquor Liability Commercial Auto Umbrella limits available up to $5,000,000 Appointed producers receive a competitive commission structure Coverage Limits General Liability: up to $2,000,000 each occurrence / $2,000,000 aggregate / $4,000,000 products-completed operations aggregate Commercial Auto (including Hired & Non-Owned): up to $1,000,000 Umbrella: up to $5,000,000 Property Broadening Form included to enhance standard property coverage Underwriting Notes There are no published minimum premiums, but underwriters favor clean, well-run operations with complete submission packages. When you submit, include a full application, current loss runs, and details on any food or alcohol service and controls in place. Liquor liability can be offered for qualifying risks that hold proper licensing and demonstrate responsible procedures. Territories and Availability This admitted program is available in 48 states and the District of Columbia; Alaska and Hawaii are excluded. Producers in the Midwest, East Coast, South, and West can place eligible bowling center business with NIF Group through the appointed distribution channels. Why Work With NIF Group? NIF Group combines focused underwriting for niche hospitality and entertainment segments with the stability of an admitted “A, XV” carrier. Working with NIF Group gives you access to an experienced team that understands bowling center operations and the exposures that matter most—slip-and-fall, liquor liability, property damage to lanes and equipment, and exposures from ancillary food and arcade operations. Their underwriting approach is pragmatic: they look for documented controls and reasonable loss histories, and they move quickly on well-prepared submissions. Explore the full Bowling Centers Insurance Program to see detailed program information and submission instructions. Frequently Asked Questions What types of accounts are a good fit for this program? Standalone bowling centers, operations with food and beverage service, and family entertainment centers that include bowling are all good fits. Underwriters prefer operations with documented risk management and reasonable loss histories. Is the program admitted? Yes. The program is admitted and written through an “A, XV” rated carrier. Which states is this program available in? The program is available in all U.S. states except Alaska and Hawaii; it is also available in the District of Columbia. What coverages are included in the package? The package can include general liability, property, crime, inland marine, equipment breakdown, liquor liability, commercial auto, and umbrella coverage depending on the account. Can I submit a risk with a liquor license? Yes. Liquor liability coverage is available for qualifying risks that maintain proper licensing and controls; include details on alcohol service in your submission. Need help placing an account? Connect with a market specialist.

In the mid-1990s, Intercorp, Inc. pioneered the market for Dry Cleaners Pollution insurance to fill a long-standing coverage gap for a niche, high-risk industry. Today, Intercorp continues to give independent agents and brokers access to competitively priced, market-specific environmental liability coverage crafted for dry cleaning operations. Dry cleaners commonly use solvents that are environmental hazards. If released, these chemicals can be costly and complex to remediate and can trigger significant third-party bodily injury or property damage claims. Intercorp’s specialty program is built to help your clients — and the landlords who lease to them — manage those exposures and meet lease or lender requirements. Ideal Accounts and Appetite This program is a strong fit for: • Stand-alone dry cleaners using perchloroethylene (perc) or alternative solvents • Multi-location dry cleaning businesses, including regional chains with drop-off or satellite sites • Tenants in strip malls, shopping centers, or leased commercial space where landlords require environmental coverage • Dry cleaners seeking coverage for prior operations or known environmental conditions Typical appetites include small to mid-size single locations and multi-site accounts. We can consider accounts with historical solvent use or modest past operational concerns when properly documented; accounts with ongoing large-scale remediation or recent major releases require prior notice and may be restricted. Coverage Highlights and Advantages Intercorp’s Dry Cleaners Pollution program places site-specific environmental liability coverage through highly rated carriers. Key coverages include: • Third-party bodily injury and property damage from pollution incidents • On-site and off-site cleanup and remediation costs • Equipment lessors, property managers, and landlords can be added as additional insureds • Claims-made forms with optional extended reporting periods • Policy limits from $500,000 up to $5,000,000 Policies can be tailored to address solvent-specific exposures and typical landlord requirements, helping reduce leasing obstacles and protect tenant operations. Program Features and Flexibility • Policy terms available for one, two, or three years • Multiple locations can be covered under a single policy for streamlined administration • Optional extended reporting periods and other endorsements available • Customized placements through Intercorp’s network of top-tier carriers These features make it easier for you to place accounts where landlords or lenders require environmental protection or where consolidated billing and consistent limits are preferred across sites. Underwriting Notes and Minimum Premiums Minimum premiums vary by state, risk profile, number of sites, and selected limits. Policies are written on a claims-made basis and require timely reporting of incidents within the policy term or any applicable extended reporting period. Standard underwriting asks include current and past solvent use, any known releases, remediation history, and site operations. Territories and Availability Intercorp’s Dry Cleaners Pollution program is available nationwide — all 50 states and Washington, DC — through a variety of admitted and non-admitted markets to provide broad access and competitive options. Why Work With Intercorp, Inc.? As a wholesale broker with decades of environmental insurance experience, Intercorp understands the regulatory concerns, underwriting nuances, and claims issues specific to dry cleaners. We provide: • Direct access to multiple high-quality carriers that underwrite pollution risks for dry cleaners • Experienced underwriting guidance to help document historical solvent use and remediation history • Flexible solutions to satisfy landlord requirements and simplify placement for multi-site accounts Example scenarios you might place through this program: • A single-location dry cleaner converting from perc to a wet-cleaning solvent that needs landlord-required pollution coverage. • A regional chain with 8 drop-off locations that wants one policy to cover all sites and standardized limits for landlords. Help your clients protect their business and meet lease obligations with a targeted Dry Cleaners Pollution policy from Intercorp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for stand-alone dry cleaners, multi-location operations, and drop-off stores that handle or historically handled hazardous solvents. Can multiple locations be covered under a single policy?Yes. We can include multiple dry cleaning sites, including drop-off locations, under one policy for streamlined coverage and billing. What coverages are included in the Dry Cleaners Pollution policy?Coverage typically includes third-party bodily injury, property damage, on-site and off-site cleanup, and additional insured options for landlords and equipment lessors. What limits and terms are available?Policy limits range from $500,000 to $5,000,000 with one-, two-, and three-year terms available. Optional extended reporting periods can be added. In which states is this program available?The program is available in all 50 states and Washington, DC through our network of carriers. Need help placing an account? Connect with a market specialist.

Manufacturing Insurance Program from Citadel Insurance Services Citadel Insurance Services places hard-to-insure manufacturing accounts through a dedicated Manufacturing Insurance Program tailored for independent agents and brokers. As a Managing General Agency (MGA), we leverage broad carrier relationships to provide creative solutions for niche, high-liability, and emerging manufacturing operations. Whether the client is a small startup or an established producer, our underwriters work with you to align coverages to the account’s unique exposures. Ideal Accounts and Appetite We write a wide range of manufacturing classes, including accounts that are often difficult to place. Target classes include: Consumer products and small appliances Recreational and sporting goods Life science and nutraceutical manufacturers Dietary supplements and nutraceuticals Children’s products and toys Marine and electrical products Plastics, chemicals, and component suppliers Fireworks, pyrotechnics, and other high-liability items Typical fits include manufacturers with complex product liability exposures, accounts that source components globally, and firms with specialized processes or small-batch production. We are also comfortable reviewing accounts with prior claims or loss history that other markets have declined. Example scenarios you might place with this program: A small nutraceutical manufacturer launching a new supplement line that needs product liability and completed operations limits to support retail distribution. A regional maker of recreational equipment with unique components sourced overseas seeking GL, product liability, and equipment coverage where admitted options are limited. Coverage Highlights and Advantages Citadel’s manufacturing markets provide a full package of coverages designed for product-centric risks: General Liability tailored for manufacturing operations Product Liability and Completed Operations Property coverage for manufacturing facilities and equipment Excess Liability / Umbrella solutions We work with multiple admitted and non-admitted carriers so you can secure the right combination of price, capacity, and terms for each account. Our markets can accommodate international distribution risks and component-sourcing exposures when required. Underwriting Notes and Minimum Premiums Underwriters at Citadel focus on pragmatic placement—assessing operations, controls, distribution channels, and claim history to determine appropriate terms. Minimum premiums start at $2,500, with final pricing dependent on risk characteristics, limits, and coverages selected. Provide detailed product descriptions, production volumes, distribution territories, and loss runs to speed placement. Territories and Availability The program is available across the United States, including all 50 states and Washington D.C. Some markets are offered on an admitted basis depending on the state and product class; for more complex or high-exposure risks we can place coverage non-admitted when necessary. We’ll help you identify the best admitted or non-admitted option for your client’s jurisdiction and operations. Why Work with Citadel Insurance Services? As an MGA, Citadel combines underwriting expertise with access to diverse carrier capacity. Agents benefit from: Underwriting focus on manufacturing and product liability exposures Flexible placement options across admitted and non-admitted markets Responsive quoting and tailored coverage structures for hard-to-place risks Support for accounts with prior claims or unusual product lines We partner with agents to grow manufacturing business by finding markets that will write complex or niche accounts. If you have a manufacturing risk that other carriers have declined or quoted restrictively, Citadel can often provide alternative solutions. Please contact us for more information on our Manufacturing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this program? This program is well-suited for manufacturers of consumer goods, dietary supplements, recreational products, chemicals, and other niche or high-liability products—including accounts that have been hard to place elsewhere. Are admitted markets available through this program? Yes. Some admitted markets are available depending on the state and product class. For more complex risks or where admitted capacity is limited, we can access non-admitted markets. What is the minimum premium for this program? Minimum premiums start at $2,500. Final premium depends on the account’s exposures, limits, and coverage selections. Can this program handle manufacturers with prior claims? Yes. Citadel specializes in hard-to-place risks and frequently reviews accounts with prior losses; eligibility depends on the details of the loss history and current risk controls. Which states is the program available in? The program is available in most states across the U.S., including all 50 states and Washington D.C. Availability of admitted markets will vary by state and class. Need help placing an account? Connect with a market specialist.