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With K&K’s camp, conference and retreat center insurance program, you can spend your time on important hings like keeping your campers happy. We’ll take care of the rest of your worries with an insurance program specifically tailored to the individual needs of your camp. Eligible Operations for Camp, Conference and Retreat Center Insurance: - Activity camp insurance - Leadership camp insurance - Boy and Girl Scout councils insurance - Learning camp insurance - Religious retreat insurance - Conference center insurance - Resident camp insurance - Day camp insurance - Summer camp insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-audited Policy - No Deductible - Sexual Abuse & Molestation Endorsement - per perp form (subject to qualification based on minimum underwriting guidelines) - Fireworks Liability - Expanded Bodily Injury Definition - Medical Professional Employee/Volunteer Liability - Nonowned Watercraft up to 51’ - Personal and Advertising Injury Definition Expanded - Camp Director Liability - Crisis Response Coverage 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, athletic backstops, permanently installed playground equipment, adventure course structures and climbing walls and above ground tanks - Outdoor property (trees, shrubs, or plants) - Business Interruption (Civil Authority Expansion Available in certain states) - Emergency Vacating Expenses Covered, Full Building Ordinance "A" Coverage Crime Commercial Auto Excess Liability Inland Marine Workers’ Compensation Common Associated Exposures: - Hiking trails - Ropes courses/ - Horseback riding climbing walls/ziplines - On-site physician/nurse - Recreational - Paintball courses 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

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

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Excess Coverage Solutions from BTIS BTIS – Builders & Tradesmens Insurance Services, Inc. offers a streamlined Excess Liability solution built for speed, broad accessibility, and flexible placement. The BTIS Excess Programs are designed for contractors and other commercial clients who need higher limits over their existing General Liability policies. With access to both admitted and non-admitted A-rated carriers, agents can secure dependable excess limits in most states through a simple digital quoting platform. Ideal Accounts and Appetite This program is a strong fit for agents placing: Contractors working in residential, commercial, and artisan trades Accounts already written through BTIS’ Victory® Admitted or Non-Admitted General Liability programs Commercial clients with underlying GL policies from A- VII-rated or better carriers Typical scenarios include a remodel contractor who needs $1M of excess over a standard GL policy to meet a project requirement, or a growing trade contractor who must increase limits to satisfy contract obligations. The program accommodates layered placements and can follow form over qualifying primary carriers. Coverage Highlights and Advantages Real-time indications in most states through an online platform Single-page application to speed submissions and quoting Admitted and non-admitted capacity to match state and client needs Can be placed over BTIS GL programs or other qualifying A- VII or better carriers Competitive minimum premium starting at $505 Underwriting Notes and Minimum Premiums BTIS keeps underwriting straightforward with a one-page submission and fast indications. The program's minimum premium starts at $505, making excess limits practical for a wide range of mid-market contractor risks. To qualify, accounts should have solid underlying coverage (A- VII or better). Risks with significant loss history, high-hazard operations, or unsupported exposures may be referred to another market or declined. Territories and Availability BTIS Excess Programs are available in most states. The program supports admitted placements in many jurisdictions and non-admitted options where necessary. Territories include: 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, WA, DC, WV, WI, and WY. Why Work With BTIS? As a Managing General Agency, BTIS emphasizes speed, market access, and responsive underwriting for contractor risks. Their digital tools let you quote and bind quickly, while an experienced underwriting team provides practical guidance for placing excess layers. Whether you already place primary GL with BTIS or need excess over another A-rated carrier, BTIS gives you flexible options and competitive minimums to help you retain and grow contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Contractors and commercial clients with existing General Liability policies from A- VII-rated carriers are ideal. This includes residential and commercial trades, especially those already placed through BTIS' Victory® programs. Can I use this program with accounts not written through BTIS?Yes. You can place excess over primary policies with other carriers as long as the underlying insurer is rated A- VII or better. How quickly can I get a quote?BTIS provides real-time indications in most states via a single-page online application for fast quoting and binding. Is this program available in all states?The program is available in most states, including CA, TX, FL, NY, and many others. Admitted coverage is supported in many jurisdictions, with non-admitted options where required. What is the minimum premium for this Excess Program?The minimum premium starts at $505, which helps make excess limits economical for a range of contractor accounts. 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.

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.

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 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.

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