Search CompleteMarkets

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

...tal operations—sailboats, kayaks, canoes, pedal boats, water bikes, ski boats,...

With the coverage of K&K's Resort and Guest Ranch Program, your clients can spend time on important things like keeping guests happy. We'll take care of the rest with an insurance program specifically tailored to the individual needs of your operation. Eligible Operations for Resort Insurance: - Private or publicly held destination resort insurance - Guest ranch insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-auditable policy - No deductible - Liquor liability - Fireworks liability - Expanded bodily injury definition - Non-owned watercraft up to 51’ - Personal and advertising injury definition expanded - Cyber liability - Crisis response - Sexual Abuse & Molestation Endorsement per perp form (subject to qualification based on minimum underwriting guidelines) 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. - Business Interruption (Civil Authority Expansion Available in certain States) - Emergency Vacating Expenses Covered, 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 - Boating/Canoeing - Horseback riding - Fine Dining - Fishing & Hunting - Spas/Health & Fitness Centers - Cross-country skiing 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

...boats, and tiki boats Kayaks, canoes, and paddle boats Jet skis, hydro...ts, pontoon boats, jet skis, kayaks, canoes, paddle boats, tiki boats, and mor...

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.

Since 1975, Leavitt Recreation & Hospitality Insurance has been a trusted source of insurance solutions for the camping and outdoor hospitality industry. We specialize in a surplus lines program — Campground and Park Insurance for Harder-to-insure risks — that gives agents access to markets designed for complex or elevated exposures. Overview of the Program From Leavitt Recreation & Hospitality Insurance As a Managing General Agency with decades of niche experience, Leavitt Recreation & Hospitality Insurance combines deep underwriting knowledge with strong carrier relationships to serve more than 1,200 camping resorts nationwide. Our surplus lines program helps you place campgrounds and parks that are difficult to place in the standard market due to high liability exposure, prior claims, or challenging locations. Ideal Accounts and Appetite This program is a good fit when you need a market for campgrounds, RV parks, and outdoor resorts that present elevated risk characteristics. Typical accounts include: Campgrounds with water features, zip lines, ropes courses, or other interactive activities RV parks or resorts with rental cabins, seasonal lodging, or long-term tenants Properties in coastal zones or areas exposed to high wind/hail or severe weather Operations with prior loss history, higher limits needs, or unusual recreational exposures We offer preferred terms and pricing for lower-risk locations and risk-managed operations, but the program is designed to accommodate more complex and harder-to-place risks through tailored underwriting. Coverage Highlights and Advantages Property coverage for buildings, contents, and equipment Auto coverage for owned vehicles, tow/service units and park maintenance vehicles General liability written with language and limits appropriate for recreational exposures Access to surplus lines coverages and endorsements not commonly available in admitted markets Responsive underwriting and efficient claims handling through experienced teams The program is underwritten by Penn America and is available on a non-admitted (surplus lines) basis. Underwriting Notes and Minimum Premiums Underwriters evaluate each submission for operations, exposure controls, and loss history. Submissions should include a completed application, a detailed description of operations, current loss runs, and any risk management procedures in place. Minimum premiums vary based on the size and complexity of the risk; provide full exposure details so we can identify an appropriate structure. Territories and Availability Our program writes business in the following jurisdictions: AL, AK, 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. Please inquire for specific state availability and any state-specific requirements. Why Work With Leavitt Recreation & Hospitality Insurance Leavitt Recreation & Hospitality Insurance is the leading specialty MGA for campgrounds and camping resorts. Agents benefit from: Decades of industry-specific underwriting expertise Access to surplus lines capacity for difficult-to-place risks Dedicated service teams and experienced claims handling Competitive pricing for qualifying risks and flexible terms for complex accounts Examples of accounts you can place: a coastal RV resort with seasonal storms and prior hail claims that needs a tailored property program; or a campground adding a supervised ropes course and looking for combined liability and property solutions with customized endorsements. Contact us today at http://www.lrhinsurance.com to learn how we can help you place Campground and Park Insurance for Harder-to-insure risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for campgrounds, RV parks, and outdoor resorts with unique liability exposures, prior claims, or locations in coastal or severe-weather-prone areas. Is this program available on an admitted basis?No. This is a non-admitted surplus lines program, which allows us to consider and structure coverage for harder-to-insure risks. Can you write in coastal or wind/hail exposed territories?Yes. The program is designed to accommodate properties in challenging territories, including coastal zones and areas exposed to high wind or hail. What carrier backs this program?This program is underwritten by Penn America, a carrier experienced in surplus lines and specialty hospitality risks. What submission documents are needed?Provide a completed application, detailed description of operations, current loss runs, and any documented risk management or safety procedures to speed underwriting and placement. Need help placing an account? Connect with a market specialist.

Victory Artisan General Liability Insurance from BTIS (Builders & Tradesmen’s Insurance Services, Inc.) helps agents place affordable, admitted general liability for small contractors and artisan tradespeople. Offered in 40 states and supported by A-rated carriers, the Victory Artisan GL program is designed for small to mid-sized contractors — including new ventures and accounts with lapses or limited prior coverage — who need straightforward, reliable protection and fast online service. Ideal Accounts and Appetite This program targets a broad range of artisan contractors across 45 eligible classifications. It is an excellent fit for: General contractors (small-scale) Electricians Plumbers Carpenters Painters Handypersons and repair specialists The program accepts accounts with no prior insurance, new businesses, and those with coverage lapses, making it a flexible option for agents serving emerging or underserved construction markets. For specialty or high-exposure trades, review the class list and underwriting guidelines to confirm eligibility. Coverage Highlights and Advantages Victory Artisan GL provides features tailored to contractors who need concise, admitted liability protection: Admitted coverage placed through A-rated carriers Faulty Workmanship endorsement available to address alleged workmanship-related claims Streamlined online submissions — no ACORD applications required No additional fee for AI endorsements* (11 85 equivalent) These features make the program suitable for clients who need dependable third-party liability protection without heavy paperwork or long underwriting turnarounds. Underwriting Notes and Minimum Premiums The program is underwritten with speed and simplicity in mind. Minimum premium starts at $350, and most submissions receive instant pricing via the online portal. Underwriters will evaluate classification mix, payroll or gross receipts, and any prior loss history — but the appetite explicitly includes new ventures and accounts with prior gaps in coverage. Territories and Availability Victory Artisan General Liability Insurance is available in the following 40 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 specializes in placing small business construction accounts and helping agents grow their artisan book. The Victory Artisan GL program focuses on: Fast, agent-friendly online quoting and binding Access to admitted A-rated carriers for broader market acceptability Flexible underwriting that welcomes new ventures and accounts with prior lapses Example fits: You have a sole-proprietor electrician with modest annual receipts and no prior coverage — the program can provide admitted GL with a low minimum premium and quick binding. You represent a small painting and carpentry crew expanding to multi-trade work — the available classifications and endorsements allow tailored coverage without complex applications. Ready to explore eligible classes? Please click on our class list for a full recap of available classifications. * (11 85 equivalent AI additional premium) Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan contractors such as plumbers, electricians, painters, carpenters, and general handymen. New ventures and accounts with no prior insurance are also eligible. Is prior insurance required to qualify?No. Accounts with a lapse in coverage or no previous insurance history are acceptable; underwriters will review the overall risk profile and class mix. How can I submit an application?All submissions are handled online through the BTIS platform — no ACORD applications are needed. You can get instant pricing and bind eligible accounts quickly. What is the minimum premium for this program?The minimum premium starts at $350, making the program accessible for smaller artisan operations. Final pricing depends on classification, limits, and loss history. In which states is this program available?This program is available in 40 states. Refer to the territories listed above for the full state roster. Need help placing an account? Connect with a market specialist.