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K&K Insurance offers coverage for both private and franchised campgrounds through our Campground Insurance Program. The program provides coverage for ancillary activities including waterslides, amusement devices, and motorized boating. Day Camps are also eligible through this program. Eligible Operations for Campground Insurance: - Private campground insurance - Franchised campground insurance - RV parks insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-audited Policy - No Deductible - Liquor Liability - Fireworks Liability - Expanded Bodily Injury Definition - Nonowned Watercraft up to 51’ - Personal and Advertising Injury Definition Expanded - Crisis Response Coverage - Trailer Spotting Property - More Than 25 Coverage Expansions - Equipment Breakdown Included - Vacancy Clause Redefined to Address Seasonal Operations - Building Definition Redefined to Include: tent platforms, pavilions and shelters, signs, boat and canoe racks, permanently installed playground equipment, adventure course structures and climbing walls and above ground tanks - Business Interruption (Civil Authority Expansion Available in certain states) - Emergency vacating expenses - Full Building Ordinance "A" Coverage Inland Marine Commercial Crime Commercial Auto Excess Liability Workers’ Compensation Common Associated Exposures: - Golf courses - Miniature golf - Golf driving ranges - Playgrounds - Hiking trails - Horseback riding - Recreational boating/canoeing - Swimming Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Fast, Simple Coverage for Small Businesses with Hiscox NOW BTIS – Builders & Tradesmens Insurance Services, Inc. is excited to offer agents and brokers access to Hiscox NOW, a streamlined platform designed to quote and bind small business insurance in minutes. With no login or registration required, you can deliver fast, affordable coverage to your clients—backed by the financial strength of Hiscox Insurance Company Inc. Ideal Accounts and Appetite Hiscox NOW is built for speed and simplicity, making it ideal for agents placing coverage for a wide range of professional services and micro-businesses. This program offers coverage for over 100 different professions, including: Consultants IT professionals Freelancers and independent contractors Home-based businesses Marketing and creative services Personal trainers and fitness coaches Real estate professionals If you have clients who need fast turnaround for startup coverage, or who operate small, low-hazard businesses, Hiscox NOW is an excellent fit. For example, a freelance web designer working from home or a small accounting firm with a handful of employees can be quoted and bound in minutes through this platform. Coverage Highlights and Program Features Written on admitted paper through Hiscox Insurance Company Inc., Hiscox NOW provides tailored, essential coverages that protect small businesses from core exposures: Business Owners Policy (BOP): Combines general liability and business property coverage General Liability: Protection against third-party claims of bodily injury or property damage Professional Liability (E&O): Coverage for service-based errors, omissions, or negligence Home-Based Business Insurance: Designed for small businesses operating from a residence Liability Insurance Overview: Broad coverage options for diverse classes Program Benefits: Instant online binding—no login required Same-day coverage for 100+ professions Auto-renewals with lifetime commissions All billing and servicing handled by Hiscox Competitive pricing with premiums starting from $22.50/month Underwriting and Minimum Premiums This program is designed to remove friction from the quoting process. With a broad underwriting appetite, agents can quote and bind coverage quickly without back-and-forth underwriting delays. Minimum premiums are affordable, starting as low as $22.50 per month, making this platform ideal for small accounts or new ventures. Territories and Availability Hiscox NOW is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Please note that products may not be available in all states. Why Partner with BTIS BTIS is a trusted Managing General Agency with a commitment to speed, service, and simplicity. Our partnership with Hiscox NOW gives you the tools to grow your book of small commercial business without the red tape. We make it easy to meet your clients’ needs with fast coverage, minimal effort, and ongoing support. If you're ready to learn more about Hiscox NOW, eligibility, or how to start quoting, contact a BTIS representative today. We’re here to help you succeed. *Please note that the products offered are underwritten only by Hiscox Insurance Company Inc. and are not available in all states. Frequently Asked Questions What types of accounts are a good fit for Hiscox NOW?This program is ideal for small businesses, home-based operations, and professional services such as consultants, freelancers, IT professionals, and more. How quickly can I quote and bind coverage?You can quote and bind coverage in just minutes with no login or registration required, making it perfect for quick-turnaround accounts. Is Hiscox NOW available in all states?Hiscox NOW is available in most U.S. states, but some products may not be offered in every state. Check availability before quoting. Does the program offer professional liability or E&O coverage?Yes, professional liability (E&O) is one of the core coverage options available through Hiscox NOW. Who handles billing and servicing for policies?All billing and servicing is managed directly by Hiscox, allowing you to focus on selling and supporting your clients. Need help placing an account? Connect with a market specialist.

Over the last 127 years BTIS - Builders & Tradesmens Insurance Services, Inc. has developed a dedicated Inland Marine Insurance program designed for artisan contractors and other trades that transport, use, or store tools, equipment and stock. We understand the high-value exposures in this industry — losses to tools, mobile equipment, or installation materials can be materially damaging to a client’s operations and cash flow. General business policies do not always respond for these exposures, so agents rely on a focused inland marine program to fill the gap. Overview of the BTIS Inland Marine Program BTIS offers admitted, A-rated carrier capacity in select states and broad availability elsewhere through competitive markets. The program covers mobile property exposures including tools, contractor equipment, stock, installation floaters, leased/rented equipment and electronic data processing equipment (EDP). It is built for contractors who move property from site to site as well as businesses that maintain high-value equipment or inventory at a fixed location. Ideal Accounts and Appetite This program is a strong fit for artisan and light-to-heavy contractors and related trades. Typical target classes include: • Concrete contractors • General contractors • Grading and excavation contractors • Gutter contractors • Landscapers • Masonry contractors • Painting contractors • Remodelers • Roofers • Solar installers Additional classes we routinely consider: • Equipment rental companies • Crane operators • Mobile mechanics • Photographers • Medical equipment providers • Loggers • DJs and event vendors • Catering companies Coverage Highlights and Advantages • Admitted A-Rated carriers in available states • Available in most states across the U.S. (see Territories below) • Easy to quote and bind to speed placement • Minimum premium as low as $750 • Schedules accepted up to $1 million per item or schedule • Several packaged coverage options to match contractor needs • Typical deductible: $1,000 The program can handle large pieces of equipment (excavators, loaders, concrete pumps) and large commercial or industrial buildings used in processing or manufacturing where inland marine coverage is appropriate. Underwriting Notes and Minimums BTIS underwriters focus on clear schedules of values, proper classification of mobile equipment versus installable property, and evidence of sound loss-control practices. Minimum premium is $750; larger accounts and high-value schedules are accepted but require detailed schedules and photos for items over typical schedule limits. The program generally allows most contractor classes, but certain high-hazard operations may require referral or additional underwriting information. Territories and Availability Coverage is available in most U.S. states. Admitted capacity is available in some states with non-admitted or surplus options used where needed. Territories served include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Why Place Inland Marine with BTIS BTIS combines program-level expertise in construction and contracting exposures with a streamlined quote-and-bind process. Agents benefit from: • Fast quoting and binding to keep accounts moving • Underwriters experienced with contractor and equipment exposures • Access to admitted A-rated carriers in available states • Flexibility to handle schedules and large equipment values Example Accounts Example 1: You have a regional landscaping contractor that routinely transports $120,000 of commercial mowers and attachments between jobs. A scheduled inland marine policy with agreed values will protect those assets in transit and at customer sites. Example 2: A commercial concrete contractor owns a concrete pump and two excavators valued at $350,000 combined. BTIS can place scheduled equipment coverage with appropriate limits and deductibles to protect those assets on and off site. BTIS can provide a fast quote and simple binding process. Contact us for more details on appetite, required submission materials, and any state-specific considerations for Inland Marine Insurance. Frequently Asked Questions What types of accounts are a good fit for the BTIS Inland Marine program?The program fits artisan and construction trades that transport or use tools, equipment, installation materials or EDP equipment — examples include concrete contractors, roofers, landscapers, equipment rental companies and mobile mechanics. What is the minimum premium and typical deductible?Minimum premium can be as low as $750. Typical deductibles start at $1,000; actual deductible depends on the risk and schedule chosen. Are admitted policies available?Yes. BTIS places admitted A-rated carrier coverage in states where admitted markets are available and uses non-admitted or surplus options where necessary. What submission information do underwriters require?Underwriters generally request a schedule of values for insured items, serial numbers or photos for high-value equipment, loss history, and a description of how and where equipment is stored and transported. Need help placing an account? Connect with a market specialist.

BTIS (Builders & Tradesmens Insurance Services, Inc.) offers a streamlined workers' compensation solution through its Victory Workers' Comp Insurance program. Built for speed, simplicity, and flexibility, the program gives agents online access to competitive pricing through an admitted carrier rated A XII by A.M. Best. With a digital submission process that requires no ACORD apps, agents can quickly quote and bind a wide range of small and mid-sized clients—especially main street and preferred businesses. Ideal Accounts and Appetite Victory Workers' Comp is best suited for agents placing small to mid-sized businesses with stable operations and a clean or improving loss history. The program welcomes: Main street businesses — retail, hospitality, personal and professional services, and light manufacturing Contractors with at least 3 years in business (acceptable even if they are hiring employees for the first time) New ventures that meet underwriting eligibility Accounts with elevated or debit experience modifications (Ex Mods) To review top-performing class codes, see the Victory Top 60 Most Wanted Classes: http://www.btisinc.com/zmail/btis941/Top_60_classes.pdf Coverage Highlights and Advantages Admitted A XII carrier provides strong financial backing Fast online quoting and binding — no ACORD apps required Waiver of subrogation available where allowable No loss runs required at initial submission Flexible payment plans and low deposit options $500 minimum premium Underwriting Notes and Requirements One full-time employee required for most submissions Contractors must have at least 3 years in business with no gaps in coverage New ventures are considered if they meet eligibility guidelines Territories and Availability Victory Workers' Comp is currently available in 45 states and Washington, D.C., providing broad access for agents writing business across most U.S. markets. Check with BTIS for any state-specific eligibility details. Why Work With BTIS? BTIS is a technology-driven general agency focused on making it faster and easier for agents to place workers' compensation. Victory Workers' Comp pairs a responsive digital platform with a financially secure admitted carrier and experienced underwriting. Benefits for agents include competitive pricing, generous commissions, fast turnaround, and dedicated support to help you win and retain quality accounts. Example placements: You might have a long-established independent restaurant seeking improved pricing after a single moderate claim, or a small electrical contractor with three years in business that is hiring its first employees — both are types of accounts this program is designed to place quickly. Join BTIS online to quote and bind through the Victory Workers' Comp program and grow your comp book with a market built for main-street businesses. Frequently Asked Questions What types of accounts are a good fit for the Victory Workers' Comp program?Main street businesses, contractors with at least 3 years in operation, and preferred risks are ideal. The program also considers new ventures and accounts with higher experience modifications (Ex Mods). Is this program available in my state?The Victory Workers' Comp program is available in 45 states and Washington, D.C. Contact BTIS to confirm availability in a specific state. Are new ventures eligible?Yes—new ventures are considered. Contractors must generally have at least 3 years in business with no coverage gaps, although hiring employees for the first time is acceptable. Are loss runs required at submission?No—loss runs are not required when you submit an initial quote request for this program. What is the minimum premium for this program?The minimum premium is $500, making the program accessible for many small-business accounts. Need help placing an account? Connect with a market specialist.

BTIS – Builders & Tradesmens Insurance Services, Inc. offers a fast, easy solution for placing small, single-location businesses through its Small Main Street BOP program. Built for independent agents who need reliable markets for lower-premium commercial accounts, this program delivers broad BOP coverage, flexible options (including commercial auto, inland marine and workers’ compensation), competitive pricing, and a straightforward online rater. Use the BOP Rater for instant indications and quick binds so you can serve retail and professional clients with minimal paperwork. Ideal Accounts and Appetite This BOP program is tailored to main-street businesses operating from a single location. Strong fits include: Retail bakeries and specialty food shops Florists Coffee shops and small cafés Medical and dental offices (low-risk specialties) Law and accounting offices Small tech, web design, and creative firms Veterinary clinics (non-surgical/local) Other small professional and retail classes Generally best for stable, single-location risks with straightforward operations and clean loss histories. Accounts with high hazard operations, multiple locations, habitational exposures, or significant liquor/liability exposures may be outside the appetite. Coverage Highlights and Advantages Admitted carriers rated A XV by A.M. Best Minimum premiums starting at approximately $350–$400 Available add-ons: Commercial Auto, Inland Marine, Workers' Compensation, and other coverages Competitive commission on ratable classes through the BOP Rater Instant price indications—no ACORD applications required for initial indications No production quotas, membership, or broker fees The program is designed to let you quote, bind, and issue lower-premium BOP accounts quickly while still offering admitted paper where available. Underwriting Notes and Minimum Premiums Underwriting emphasizes speed and simplicity. The BOP Rater provides immediate indications for many common classes, reducing the need for full ACORD applications during initial quoting. Minimum premiums generally fall in the $350–$400 range depending on class and location. Expect routine eligibility questions about prior losses, business operations, and property condition for binding. Territories and Availability Available in the vast majority of the continental U.S.: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With BTIS? BTIS is a managing general agency focused on agent-first service, fast turnaround, and practical rating tools. The Small Main Street BOP program gives you access to admitted, highly rated carriers without production strings or membership fees. Whether you need a quick indication for a corner coffee shop or a bundled package for a small professional office, BTIS’s platform is built to move lower-premium commercial business from quote to bind efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Single-location small businesses such as coffee shops, florists, medical or law offices, and small tech firms are ideal candidates for the Small Main Street BOP program. Is the program available in all states?The program is available in most of the continental U.S., including over 45 states and Washington, DC; availability can vary by class and carrier. What is the minimum premium?Minimum premiums typically range from about $350 to $400, depending on the class and the insured’s location. Do I need to submit ACORD forms to get a quote?No—initial pricing is available instantly through the BTIS BOP Rater without submitting ACORD applications. Full applications may be required to bind certain coverages. Are there production requirements or fees for agents?No. There are no production quotas, membership, or broker fees associated with this program. Need help placing an account? Connect with a market specialist.

BTIS – Builders & Tradesmens Insurance Services, Inc. offers a competitive Remodeling Contractor General Liability Insurance program designed for today’s residential remodeling professionals. Whether your insured is a solo operator or a general contractor with more than $1 million in gross receipts, BTIS provides flexible, admitted solutions to match a wide range of remodeling operations. Ideal Accounts and Appetite This program is built for contractors and remodelers who focus on residential work such as home additions, tenant improvements, and general remodeling. It’s a strong fit for: Owner-only remodeling contractors General contractors with substantial operations Handymen expanding services into larger renovation projects Contractors performing home extensions or adding square footage On a case-by-case basis, BTIS may also consider risks involving secondary structure construction. Certain operations are allowed when performed as part of a remodel, including: Incidental roofing work (when part of a broader remodel) Interior framing performed by the primary contractor (framing subcontractors are not eligible) Window installation during remodeling Tenant improvements and betterments For a full list of eligible classes, see the Victory Admitted Eligible Classes. Coverage Highlights and Advantages BTIS offers general liability protection tailored to exposures common on residential remodeling jobs. Coverage helps your contractor clients manage jobsite liability, third-party injury claims, and property damage exposures. Key advantages of the program include: Admitted product with strong carrier backing (A.M. Best A XI rated) Quick quoting and a streamlined binding process for faster placements Competitive pricing with minimum premiums starting at $350 Strong appetite for both small and mid-size remodeling contractors Underwriting Notes and Minimum Premiums Minimum premium for eligible accounts starts at $350, making the program accessible for smaller remodelers and startups. Incidental roofing and interior framing are permitted when part of a remodel; however, standalone roofing operations and framing performed solely as a subcontractor are not eligible. Each submission is reviewed to verify proper classification, scope of operations, and risk fit. Territories and Availability This Remodeling Contractor General Liability Insurance program is available on an admitted basis in the following states: AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY Why Work With BTIS? BTIS is a trusted general agency and admitted carrier with deep expertise in contractor lines. Agents benefit from fast service, competitive pricing, and responsive underwriting support. With access to A-rated markets and a focus on practical, placement-oriented underwriting, BTIS helps agents place a wide range of artisan and general contractor risks. You might have a client who just launched a remodeling business and is taking on their first major home addition, or a well-established contractor expanding into nearby territories. In both cases, BTIS offers the flexibility and admitted coverage solutions to support growth while managing common remodeling exposures. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for residential remodeling contractors, including owner-only operations, general contractors, and handymen expanding into larger projects. Are subcontractors allowed under this program?Subcontracting is permitted in some cases, but interior framing as a subcontracted operation is not eligible. Each account is reviewed individually for eligibility. Is roofing work covered?Incidental roofing is allowed when it is part of a broader remodeling project, but standalone roofing risks are not eligible. What is the minimum premium for this program?The minimum premium starts at $350, making it accessible for small and emerging contractor businesses. In which states is this program available?The program is admitted and available in over 45 states, including CA, TX, FL, NY, and many others. See the full list above for complete availability. Need help placing an account? Connect with a market specialist.

As a handyman, your client works on many different jobs and is at higher risk of being exposed to accidents on the job. Handyman work involves physical labor, power and hand tools, ladders, and frequently changing residential environments—so the potential for bodily injury or property damage is constant. A slip from a ladder or a mistake with wiring can become an expensive liability. Builders & Tradesmen’s Insurance Services, Inc. (BTIS) offers a focused Handyman Liability program that lets you place straightforward, affordable general liability protection for small to mid-size residential repair operations. Program Overview BTIS has designed a streamlined Handyman Liability solution that balances affordability with meaningful protection. This program is intended for residential handymen doing routine repair and light maintenance work who need a simple admitted liability option underwritten by an A.M. Best A XI–rated carrier. Ideal Accounts and Appetite Unlicensed handymen performing small jobs (job cost up to $500) Licensed handymen working on jobs up to $2,500 Residential repair, upkeep, and light maintenance services—examples include fence repair, gutter cleaning, drywall patching, faucet repair, and other common odd jobs Risks that typically do not fit this program include large renovation projects, heavy carpentry or structural work, commercial contracting, and any job with project values exceeding the program thresholds. For larger carpentry or remodeling accounts, consider placing them in BTIS’s Carpentry Residential classification. Coverage Highlights and Advantages Minimum premium starting at $350 to keep placement simple for smaller accounts Blanket Additional Insured endorsement included at no extra charge Primary/Non-Contributory and Waiver of Subrogation provided on the Blanket AI form Placed with an admitted carrier rated A XI by A.M. Best Accessible online platform and experienced underwriting for fast turnaround 15% commission for appointed agents Underwriting Notes and Program Requirements Unlicensed handymen — maximum job cost $500 Licensed handymen — maximum job cost $2,500 Accounts exceeding these thresholds should be submitted under alternate classifications (for example, Carpentry Residential) Simple, equipment-light operations with predominantly residential exposure are preferred Available States This program is offered in 40 states. Current availability includes: AL, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY. Contact BTIS to confirm availability in a specific state or to check for any recent expansion. Why Place Business with BTIS? BTIS combines deep contractor-focused underwriting with a user-friendly placement process. Agents benefit from quick turnaround times, admitted paper with a strong carrier, and included endorsements that help meet contractor and landlord requirements. The program is purpose-built to make it easy to place smaller handyman exposures without overcomplicating underwriting. Example Accounts You Can Place You might have a client who fixes gutters, patches drywall, and performs minor home repairs as an unlicensed handyman — this program fits when individual job costs stay under $500. You may represent a licensed handyman who handles periodic small remodels and repairs — the program accommodates licensed contractors with job values up to $2,500. Frequently Asked Questions What types of accounts are a good fit for this program? Residential handymen performing small repairs and light maintenance work. The program is best for unlicensed handymen with job costs under $500 and licensed handymen with job costs under $2,500. Is this coverage available in all states? No. It is available in 40 states and BTIS continues to expand. Confirm current availability for the state where the work will be performed. What is the minimum premium for this program? The program carries a minimum premium starting at $350 to keep placement affordable for smaller operations. What happens if a client’s job costs exceed the program limits? If project values exceed $500 for unlicensed trades or $2,500 for licensed trades, submit the account to a different classification, such as Carpentry Residential, which can handle larger jobs. Who underwrites this program? The program is placed with an admitted carrier rated A XI by A.M. Best, giving agents access to admitted paper backed by a financially stable market. Need help placing an account? Connect with a market specialist.