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Passenger, Excursion & Casino Vessel Insurance from LIG Marine Mana... sightseeing boats, charter cruises, casino vessels, head boats, and airboats—...

Distinguished Programs offers a specialized Community Association Umbrella insurance solution designed to meet the unique liability needs of condominium associations, HOAs, and similar community-based organizations. With flexible excess limits and a streamlined online quoting process, this program is ideal for agents and brokers seeking efficient placement and strong carrier backing for their association clients. Ideal Accounts and Target Classes This program is tailored for not-for-profit community associations across a wide range of structures, including: Condominium Associations (COAs) Homeowners Associations (HOAs) Planned Unit Developments (PUDs) Cooperatives (CO-OPs) Property Owners Associations (POAs) Commercial Condominiums Mixed-Use Condominiums If you have clients managing residential or mixed-use properties with board members, common areas, and shared liability exposures, this umbrella program is a strong fit. It’s particularly well-suited for associations seeking to protect their board and community assets from large liability claims. Coverage Highlights and Advantages Distinguished Programs delivers value through comprehensive coverage, competitive pricing, and A-rated carriers. Key features include: Limits available from $1 million up to $70 million Admitted coverage in most states No shared limits—each insured has dedicated coverage Directors and Officers Liability included for eligible not-for-profit associations Automatic renewals available for most risks One-step online quoting and policy issuance via the Broker Portal Superior claims service and ongoing support Underwriting and Minimum Premium The program features low minimum premiums and competitive pricing structures, making it accessible for associations of various sizes. While underwriting is streamlined through the online portal, submissions are evaluated based on risk characteristics such as number of units, location, loss history, and governance. Availability and Admitted Status This umbrella liability program is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, and the District of Columbia. Coverage is written on an admitted basis in most available states through A.M. Best A rated carriers. Why Work With Distinguished Programs? As a leading managing general agency (MGA), Distinguished Programs brings decades of experience in community association insurance. Their Express Community Associations Umbrella is backed by trusted carriers and supported by a highly efficient digital platform. You can quote, bind, and issue policies with ease—all while offering your clients robust protection for their community operations. Whether you're placing a 20-unit suburban HOA or a high-rise mixed-use condo association, this program offers scalable limits and tailored solutions to meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for not-for-profit community associations, including HOAs, COAs, PUDs, POAs, cooperatives, and mixed-use condominiums. Are the umbrella limits shared among insureds?No, each insured receives their own dedicated umbrella limit—there are no shared limits in this program. Is coverage admitted?Yes, coverage is admitted in most available states, backed by A.M. Best A rated carriers. How can I submit a risk?You can easily submit and quote risks online through Distinguished Programs’ Broker Portal. Are renewals handled automatically?Yes, most eligible risks are set up for an automatic renewal process, streamlining your workflow. Need help placing an account? Connect with a market specialist.

Distinguished Programs offers a specialized City Multi-Family Insurance Program designed for residential property owners operating in urban environments. This program is ideal for buildings with 2 to 100 units, including mixed-use properties with ground-floor mercantile exposure. With a streamlined online portal for submission, quoting, and binding, agents can efficiently place business and provide robust coverage for their clients in key metropolitan areas. Urban property owners face unique risks, from aging infrastructure to tenant liability and ordinance requirements. This program is built to meet those needs with competitive pricing and comprehensive coverage options tailored to small-to-mid-size city properties. Ideal Accounts and Appetite Multi-family buildings with 2–100 units (sweet spot: 2–15 units) Condominiums, co-ops, brownstones, and mixed-use properties Owner-occupied dwellings eligible for Personal Lines forms Properties valued between $1M–$3M, with TIV up to $25M You might have a client who owns a 10-unit apartment building with a retail store on the ground floor or a small condo complex in a busy metro area. This program is designed for exactly those types of risks. Coverage Highlights and Advantages Personal Lines forms available for owner-occupied units Pools now eligible, subject to safety compliance Access to qualified repair vendors via Sedgwick Repair Services Package policy includes Equipment Breakdown, Sewer/Drain Backup, and Ordinance or Law A, B & C Replacement Cost valuation Electronic policy delivery and automatic renewals Simple, digital application process Underwriting Notes and Minimum Premiums Eligible construction: joisted masonry or better; no age limit with system upgrades Specific construction accepted in select markets (e.g., brick veneer in Denver, frame in San Francisco & others) Minimum premium varies by risk and location Territories and Availability The City Program is available in the following states: CA, CO, IL, MD, MA, MN, MO, NJ, OR, PA, VA, and WA. Admitted in most available states, this program ensures peace of mind for both agents and insureds seeking stability and compliance. Why Work With Distinguished Programs? Distinguished Programs is a trusted Managing General Agency with a focus on niche real estate insurance solutions. With access to various carriers and a proven track record of delivering efficient, cost-effective underwriting, agents can rely on Distinguished to handle urban multi-family risks with confidence. The intuitive digital platform, responsive service, and built-in risk management tools make this program a strong choice for brokers looking to grow their real estate book. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small-to-mid-size multi-family properties, including condos, co-ops, and mixed-use buildings with 2 to 100 units, especially those located in urban areas. Can the program cover buildings with retail or commercial space?Yes, properties with ground-floor mercantile exposure are eligible as part of the mixed-use category. Are older buildings eligible for coverage?Yes, there is no age limit on buildings, provided necessary system upgrades have been made and the construction type meets eligibility criteria. Is this program available on an admitted basis?Yes, the program is admitted in most available states, offering regulatory stability and broader market acceptance. How do agents submit and bind coverage?Agents can use Distinguished Programs’ online portal to submit, quote, and bind coverage quickly and efficiently. Need help placing an account? Connect with a market specialist.

...mbined tracks Racinos (racing + casino operations) Special events featurin...cino operations with both racing and casino elements Special events involving ...

... comprehensive Hotel, Resort, and Casino Umbrella Program designed specificall...rses, spas, marinas, or theaters. Is casino exposure eligible under this umbrella program?Yes. The program accepts casino hotels, including tribal and riverboat casinos, as part of its broad hospitality...

Designed for outfitter and guide operations with gross receipts under $750,000; retail cannot exceed 80% of the total receipts, and owned lodging cannot exceed 50% of total receipts. The insured must have been in business for at least one year or three years of equivalent experience to be eligible. For operations with more complex coverage needs, please see our Outfitters and Guides Large Operations program or contact K&K at 800-440-5580 to speak with an underwriter. - Minimum premium: $1,050. Eligible Operations for Outfitters and Guides Limited Operations Insurance: - Backpacking - Bicycle rental (no stand-alone - Owned lodges and cabins (must be 50% or less of operations) total revenues) - Bicycling tours (guided, less - Paddlefit than 50 miles) - Paddling schools - Campgrounds (must be 50% or - Paddling less of total revenues) - Paddleboarding (including - Camping stand-up) - Cross-country skiing (must be - Retail sales (must be 80% or less 20% or less of total revenues) of total revenues) - Eco tours - Shoreline sailing (less than 1 mile - Fishing (guided or from shore and must be 10% or non-guided) less of total revenue) - Hiking (guided) - Hunting (guided) - Skimboarding - Snorkeling (must be 10% or - Kayak, canoe, raft, tube, paddle, less of total revenues) and surfboard rental - Snowshoeing - Operations - Class I, II, III - Surfing rivers, flatwater - Windsurfing - Livery, shuttle, or transport services for the organization's operations Coverages Available & Program Highlights: General Liability - General Aggregate Limit $5,000,000 - Personal & Advertising Injury - Damage to Premises Rented to You - Medical Payments EXCLUDED - Products-Completed Operations Aggregate Limit - Each Occurrence Limit up to $3,000,000 Equipment and Contents - $250-$1,000 deductible (depends on limits) - General Liability coverage must be purchased in conjunction with - Equipment and Contents - All items must be insured to 100% replacement cost value - No single item valued over $5,000 individually 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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...are placing an urban nightclub, a casino, or a family-run motel, we provide ta...bs, restaurants, hotels, motels, and casinos — particularly accounts with liqu...

...imos/vans Bingo shuttle buses Casino buses Charter buses Day care vans...gram is best suited for public auto operators such as airport shuttles, charte...