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...coverage – covering injuries to performers or crew during events or rehearsals...es may be available for occasional performers. What if we perform in multiple ...

Performing Arts Insurance Program from Gateway Specialty Insurance Gateway Specialty Insurance provides a focused wholesale program that helps agents and brokers place insurance for nonprofit performing arts organizations. The program is built for creative, volunteer-driven groups — from community theaters to regional orchestras — and is sized to protect the common liability and property exposures these clients face. Ideal Accounts and Appetite This program targets nonprofit performing arts entities, including: Ballet companies Choirs and vocal ensembles Comedians and improv/comedy groups Dance troupes and performance ensembles Musical groups and chamber ensembles Orchestras and symphonies Theater and drama groups Typical fits are nonprofit organizations with modest annual revenues, volunteer staff, rented or shared rehearsal space, and portable props or instruments. Organizations with significant for-profit activities, touring with high-value special effects, or unusually hazardous productions may fall outside appetite. Coverage Highlights and Advantages Gateway Specialty’s Performing Arts Insurance program brings together common coverages performing arts nonprofits need, with flexibility to tailor limits where appropriate: Directors & Officers (D&O) Liability — protection for board members and leadership against management-related claims. Employment Practices Liability (EPLI) — coverage for claims arising from employment-related allegations. General Liability — primary protection for third-party bodily injury and property damage at performances and rehearsals. Property Coverage — options for owned or leased premises, including contents and building exposures. Inland Marine — coverage for musical instruments, costumes, portable sound/lighting equipment, and other movable property. The program places business with highly rated carriers, including USLI and Alliance of Nonprofit, and offers admitted and non-admitted paper in select states to match each account’s needs. Underwriting Notes and Minimum Premiums Gateway Specialty keeps submissions simple for eligible risks. Minimum premiums typically fall between $400 and $750, which makes the program accessible for smaller nonprofit groups. For well-qualified accounts, underwriters can often return same-day or next-day indications. When submitting, include basic financials, details on volunteer versus paid staff, descriptions of performance venues and frequency, and a list of high-value portable items (instruments, sets, lighting). High-risk activities, significant gross receipts from commercial operations, or frequent out-of-state touring should be disclosed up front. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Admitted coverage is available in some states; non-admitted options are used where needed to secure capacity. Why Work With Gateway Specialty Insurance? As a wholesale broker focused on nonprofit insurance, Gateway Specialty combines specialty underwriting, responsive service, and access to A++ rated markets. Agents benefit from underwriters familiar with performing arts exposures and the flexibility to place admitted or non-admitted paper based on the client and location. Example scenarios you can place through this program: A community theater nonprofit that needs general liability and property coverage for a season of six productions, plus inland marine for props and costumes. A regional youth orchestra that requires D&O and EPLI coverage for a volunteer board and protection for high-value instruments transported between rehearsal sites. To learn more about Gateway Specialty’s A++ rated admitted and non-admitted options, see their product detail page and request a quote via the existing link: insurance for nonprofit performing arts. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit performing arts organizations such as theater groups, choirs, orchestras, comedy troupes, and dance ensembles are ideal fits. Is coverage available on an admitted basis?Yes, admitted coverage is available in some states. Non-admitted options are also offered depending on the risk and location. What is the typical minimum premium for this program?Minimum premiums generally range from $400 to $750, depending on the type and size of the risk. Can I get a quote quickly?Yes, Gateway Specialty Insurance can often provide a same-day or next-day quote for qualified submissions. Which carriers are used for this program?This program is backed by trusted carriers including USLI and Alliance of Nonprofit, offering A++ rated coverage options. Need help placing an account? Connect with a market specialist.

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Subcontractor Bid and Performance Bonds Overview — J.M. Wilson Corp. Subcontractor Bid & Performance Bonds J.M. Wilson Corp. offers subcontractor bid, payment and performance bond placement for independent agents and brokers. Our program helps general contractors and project owners obtain assurance that a subcontractor will honor the bid, perform the contract if awarded, and pay labor and materials. We place business through a mix of admitted and non-admitted surety markets and work with carriers that hold "A" ratings. Ideal Accounts and Appetite This program targets subcontractors who need to "bond back" to a general contractor or owner. Typical fits include small to mid-sized specialty contractors who regularly bid on public or private projects and require: Bid bonds (commonly 5–10% of the bid) Performance and payment bonds (frequently 100% of the contract amount) Examples of subcontractor classes we commonly place: Electricians HVAC contractors Excavation and sitework contractors Painters and finish trades Roofers Landscapers and site contractors You may also submit hybrid packages for contractors with mixed scopes; we review each submission for capacity and underwriting requirements. Coverage Highlights and Advantages Bid Bonds — guarantee the contractor will accept the contract if awarded as the low bidder. Performance Bonds — guarantee contract performance to the obligee. Payment Bonds — guarantee payment for labor and materials. Maintenance and subcontract bonds available where required. Competitive pricing within industry standards and access to both admitted and excess & surplus markets. J.M. Wilson offers quick quote turnaround and will typically respond to new account submissions within 24–48 hours. We also accept submissions from other surety relationships for review when appropriate. Underwriting Notes & Items Needed To expedite placement, provide the following where possible: Last 2–3 fiscal year-end financial statements for the business Current personal financial statements for all owners Completed contractor surety questionnaire Current schedule of work on hand Bank reference letter indicating established lines Owner resumes and key personnel qualifications Job reference letters Current certificate of insurance Underwriting will review financial strength, backlog, project size, references, and prior surety experience. Bond capacity and pricing vary by carrier and account specifics. Minimum Premiums, Markets & Territories Minimum premiums vary by carrier and state; please submit the full account package for an accurate quote. J.M. Wilson represents a number of carriers, both admitted and non-admitted, and places bonds through "A" rated surety markets. Available in: AL, AK, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, MT, NE, NH, NY, NC, ND, OH, OK, PA, SC, SD, TN, VT, VA, WV, WI, WY. Why Work With J.M. Wilson Corp. on Subcontractor Bonds As a Managing General Agency and Excess & Surplus Lines broker with specialized surety relationships, J.M. Wilson provides: Access to multiple admitted and non-admitted surety markets Fast response times and underwriting guidance for agents Experience placing bid, performance, payment and maintenance bonds Flexibility to consider submissions from producers' own surety partners Two sample scenarios where this program is a good fit: You have a subcontractor client bidding a $250,000 interior renovation who needs a 5% bid bond and a performance/payment bond if awarded. You represent a roofing contractor with several municipal bids on the radar and limited prior bonding history; we can evaluate capacity and provide a placement strategy. For more details or to submit a new account, prepare the underwriting items above and expect a timely response from our surety team. Frequently Asked Questions What types of subcontractor accounts are a good fit for J.M. Wilson's bond program?Small to mid-sized specialty subcontractors who bid on public or private work and need bid, performance or payment bonds are the primary fit. We place electricians, HVAC, roofers, excavators, painters, landscapers and similar trades. How long does it take to get a quote or decision?J.M. Wilson aims to respond to new submissions within 24–48 hours. Complete financials and supporting documents help speed underwriting and bonding decisions. Do you place bonds through admitted carriers?Yes. We represent multiple carriers and place bonds through both admitted and non-admitted surety markets. All primary J.M. Wilson surety markets used for this program carry an "A" rating. What documentation should I submit to get started?Typical submission items include 2–3 years of business financial statements, personal financial statements for owners, a completed contractor surety questionnaire, schedule of work on hand, bank reference letter, owner resumes, job references and current COI. Are there typical bond sizes or limits you can handle?Bond size and capacity depend on the contractor's financials, experience and the carrier's appetite. Bid bonds are commonly 5–10% of the bid and payment/performance bonds are often written at 100% of the contract amount. Submit the full account for a realistic assessment of capacity. Need help placing an account? Connect with a market specialist.