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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 ...

Overview of the Program from Maritime Program Group Does the purchase of a high performance vessel by a client give you that sinking feeling? Maritime Program Group’s Recreational Marine High Performance Vessel Division helps brokers place faster craft that many markets decline. Our program provides access to markets that will consider performance boats capable of speeds up to 125 mph and pairs that capacity with marine-specific underwriting and servicing tailored for high-performance craft. Ideal accounts and appetite This program is designed for independent agents and brokers seeking placement for clients who own performance-oriented recreational boats, including: High performance runabouts and performance center consoles Sterndrives and outboard-powered performance boats Well-maintained older performance boats and newly built performance designs Typical accounts fit when the vessel is well-maintained, used for private recreational purposes, and the operator demonstrates safe operation. Most markets will not consider vessels designed to exceed 55–60 mph; our High Performance program will consider vessels up to 125 mph. We generally do not place commercial-use high-speed craft, racing-only boats, or vessels with unreported structural or major engine modifications. Coverage highlights and program advantages The High Performance Vessel Insurance program at Maritime Program Group offers broad, marine-specific coverage features agents can offer to clients: Agreed Value for most performance boats Liability coverage with options for Pollution Liability and Uninsured Watercraft coverage Medical Payments and Personal Effects coverage Emergency Towing and Assistance coverage Optional Trailer Coverage and Boat Lift Coverage Dedicated in-house claims unit to support prompt handling • Work and negotiate directly with our in-house underwriters who have unmatched experience and hands-on trade knowledge. • Broad capacity, from bass boats to multi-million dollar luxury yachts. • Remarkable service with proactive communication and timely responses. • Instant online quotes, applications, commission reports, endorsement reprints and more. • Agency billing and competitive commission schedules. • Dedicated in-house claims unit. Underwriting notes and minimum premiums Underwriting focuses on vessel condition, horsepower-to-weight ratios, reported top speeds, and operator experience. Specific eligibility questions—such as modified engines, structural changes, or use for competition—should be referred to underwriting for review. Minimum premium: Varies by risk and state; submit details for a tailored quote. Territories and admitted status Available in: 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. Admitted status: All available states (carrier and state filing dependent). Why work with Maritime Program Group on High Performance Vessel business As a managing general agency specializing in recreational marine risks, Maritime Program Group gives agents direct access to experienced in-house underwriters and marine markets that will consider higher-speed vessels. You benefit from streamlined online quoting and servicing tools, agency billing, and a claims team focused on marine exposures. If you have a client who purchased a high-performance runabout or performance center console and needs agreed value and tailored liability options, this program was built to address those placements. For immediate assistance call 800-366-8086 or visit www.maritimepg.com for more information on High Performance Vessel Insurance. Frequently Asked Questions What speeds and vessel types does this program consider?Maritime Program Group’s High Performance program will consider recreational performance vessels capable of speeds up to 125 mph. The focus is private, recreational boats—racing-only or commercial high-speed craft typically do not qualify. What coverages are commonly available through this program?Common features include Agreed Value, Medical Payments, Personal Effects, Uninsured Watercraft coverage, Emergency Towing and Assistance, Pollution Liability, and optional Trailer and Boat Lift coverage. Specific options depend on the market selected for the risk. What information should I submit for a quick decision?Provide vessel year, make, model, length, engine type and horsepower, reported or GPS top speed if available, hull condition, recent survey or maintenance records, principal operator experience, and intended use. These details help underwriters assess eligibility and expedite quoting. Need help placing an account? Connect with a market specialist.

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.

Tracking Staff Performance
TRACKING STAFF PERFORMANCE Insurance agents have always benefited by tracking performance. Tracking the number of leads generated in a month, sales calls made in a week, and new policies written in a quarter, for example, creates standard-setting measurements for managing sales performance. As discussed in the book Managing Your Human Resources, standard operating procedures and job descriptions, communicated to the staff, form a basis for measuring performance in all staff positions. Performance tracking involves four interrelated activities: Setting goals Setting and communicating standards Measuring performance against goals and standards Managing people, resources, and work based on progress or lack of progress You can use these same performance-measurement activities in agency operations to monitor the establishment and continued employment of automated, cost-effective workflow procedures. To incorporate performance measurement and monitoring into both day-to-day supervisory responsibilities and the agency's performance appraisal system, several aspects should be considered. MEASURING AND MOTIVATING STAFF ADHERENCE TO PROCEDURES Your agency's achievement of service goals and its protection from E&O exposure depend on whether staff members conform to standard operating procedures. Say you want to ensure you're getting the results you want-for example, to increase customer satisfaction through rotational servicing. Monitor for consistent use of system diary notes and suspense. Managing the differences between the standard procedures and individual performance will keep your staff on track to meet service goals. Another benefit of monitoring for consistent adherence is that it helps ensure that your computer records will be admissible in court. Courts are primarily concerned with the accuracy of procedures for input and processing, because this is where human error may creep in. Proof of database quality-control procedures is the single most important factor in admitting computer records into evidence. Measurement can be a powerful tool to motivate groups. By publicly tracking progress toward a department's service goals and standards, you can recognize achievement and build enthusiasm. Let's say your agency has set 24 hours or less as the standard turnaround time for all Commercial binders and certificates. Measuring turnaround time for a month will help you track progress toward the service goals. When the department meets or exceeds standards, celebrate the achievement. In problem situations, when turnaround time consistently falls below the goal, tracking may indicate that more realistic targets should be set. Use action planning in the annual performance appraisal process and interim reviews to monitor and motivate individual performance. USING PERFORMANCE APPRAISAL FORMS Consistence and follow-through are essential components in conducting performance appraisals, fostering uniformity in the evaluation process. The key to taking the subjectivity out of performance appraisal is to base ratings on observable accomplishments, performance standards, and other measures. Action planning, with its deadlines and task accountability, also contributes to objective performance measurement because it reveals whether a person has accomplished a task or not. Quality of output or manner of performance can also be more objectively measured if the criteria are spelled out and performance is tied to observable behavior. Every person in the agency should have a performance appraisal-even the principal! Formally measuring the agency principal's performance is an essential part of overall quality measurement. Agency partners, stockholders, members of the management team, or even subordinates can conduct the appraisal. Honest self-evaluation is always part of the process. To complete a performance appraisal, compare the staff member's actual performance against the standards that were communicated to the person. Describe observable behaviors and performance in a 'Comments' area. When conducting a performance appraisal, make two copies of the form. Have the staff member complete one copy as a self-evaluation, and the supervisor or manager complete the other. The supervisor and staff member should then meet to discuss an action plan and agree on improvement opportunities. Set dates for the next review. In most instances, interim reviews of the action plan are indicated to ensure progress against goals. MEASURING BUSINESS RESULTS The third and most important aspect of performance measurement is to measure overall business results. Your staff might follow procedures to the letter; they might be innovative, dedicated people-but if you don't have positive business results, you won't have a business. Use your system reports and ACORD's Benchmark Calculator to measure your agency's performance in key areas such as profitability and productivity. These measurements will help you understand what to change to continue performing profitably in the insurance marketplace. Together with staff, you can adjust your business strategy for the future and actively, continually improve. ASSESSING PERFORMANCE OF A COMMERCIAL LINES CLIENT SERVICE AGENT Here are sample questions to use in appraising the performance of a Commercial Lines CSA: New Sales: Does the person generate, recognize, respond to, and close opportunities to expand the agency's client base? Retention: Does the person maintain and build client relationships through account rounding, quality service, and accurate product delivery? Marketing: Does the person generate growth through servicing clients and making appropriate referrals to other departments in the agency? Professional Development: Does the person take the initiative to develop new competencies and strengthen weaknesses? Operations: Does the person adhere to standard operating procedures? Is the person's work accurate and complete? Does the person understand and meet or exceed agency service standards? Does the person work within the agency's structure to modify standard operating procedures to meet evolving service goals? Depth of Knowledge: Does the person display technical knowledge at an appropriate level for the assigned position and continually endeavor to improve knowledge? Reliability: Can the person be relied upon to complete assignments on time without needing reminders, work energetically, and be on time for appointments and meetings? Innovation: Does the person take the initiative to introduce new ideas, processes, or courses of action? Does the person accept and implement change readily as requested? Does the person strive to improve quality, quantity, and accuracy of work? Does the person participate in decision making as requested and as appropriate? © Copyright ACORD, 1994. Reprinted with permission.