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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

Suitelife for Hotels, offered by Venture Insurance Programs, is a tailored insurance program for boutique and premier hotels. Built to address the complex exposures of upscale hospitality operations, Suitelife supports all-lines placements including Property, General Liability, Umbrella, Auto, Crime, Inland Marine, and Cyber. In addition, mono-line Workers’ Compensation is available for general hotel properties and hotel management companies—giving agents flexible placement options for a wide range of hospitality clients. Ideal Accounts and Appetite Suitelife targets larger, higher-end hospitality risks: independent boutique hotels, luxury inns, resort properties, and management companies overseeing multiple properties. The program is best for accounts with premium guest experiences, distinctive design or amenities, and exposures tied to food & beverage, events, or on-site services. Examples of ideal accounts include: A 75-room boutique hotel in an urban center with a rooftop bar and day spa A luxury inn at a resort destination offering fine dining and event space Mono-line Workers’ Compensation is available for hotel management firms and general hospitality risks, expanding options when you only need to place that single line. Coverage Highlights and Advantages Key program features that help you place hospitality risks include: All-lines package capability for boutique and premier hotels, enabling multi-line placements with a single underwriting team Standalone Workers’ Compensation for operations or management companies that require only that coverage Hospitality-specific coverages and endorsements such as liquor liability, guest property, and business interruption tailored to hotel operations Access to top-tier carriers through Venture Insurance Programs and underwriters experienced in hotel exposures Suitelife is designed for agents who need a market that understands event liability, amenity-related exposures, and the operational nuances of upscale hotels. Underwriting Notes and Minimum Premiums Underwriting is handled by specialists familiar with hospitality operations. While individual minimum premiums and retention levels vary by carrier and line, accounts should reflect the size and operational standards typical of upscale or boutique properties. Be prepared to provide detailed occupancy, amenity, and loss-control information during submission to ensure appropriate terms. Territories and Availability Suitelife is available nationwide—in all 50 states plus Washington, D.C.—allowing you to place hospitality risks in major metro markets and resort locations alike. Why Work With Venture Insurance Programs? Venture Insurance Programs is a Managing General Agency focused on industry-specific programs. Working through Venture gives you direct access to underwriters who specialize in hospitality, strong carrier relationships, and streamlined placement for complex hotel risks. Their focused approach can simplify multi-line placements and help you secure coverage that matches the operational realities of upscale properties. Frequently Asked Questions What types of accounts are a good fit for the Suitelife program?Suitelife is best for boutique and premier hotels, luxury inns, resort properties, and hotel management companies—especially those with on-site food & beverage, event spaces, or upscale amenities. Can I write mono-line Workers’ Compensation through this program?Yes. Mono-line Workers’ Compensation is available for general hotel operations and management firms even when other lines are not placed through Suitelife. Is this program available in my state?Suitelife is available in all 50 states and Washington, D.C., so you can place eligible hospitality accounts nationwide. Do properties need to meet certain size or revenue requirements?There is flexibility, but the program generally targets larger or upscale operations that meet underwriting standards for boutique or premier hotels. Provide operating details to confirm fit. Who underwrites the policies offered through Suitelife?Venture Insurance Programs manages the Suitelife program and partners with top-rated carriers. Their underwriting team focuses on hospitality risks and will structure coverages appropriate to the account. Need help placing an account? Connect with a market specialist.

...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...

... gaming risks from bingo halls to casinos through our tailor-made programs. Do... - Casino insurance ...

...ongshore operations Terminal operators and cargo handlers Wharfingers ...perations, stevedores, and terminal operators with annual premiums starting at...

...sels, charter and cruise vessels, casino vessels, and similar commercial craft...

...l swimming pools, movie theaters, casinos, parks, playgrounds, and playhouses....

The short term special event insurance program is designed for organizers of short term special events that meet the following criteria: - Total attendance is 12,000 or less - Maximum number of consecutive event days is 10 not including set-up or tear-down - Event is head at a single location (except for weddings - coverage can be extended to include the rehearsal, ceremony, and reception as a single event) - Event must take place in the United States Eligible Operations for Short Special Term Event Insurance: (Including but not limited to) - After-prom party insurance school-sponsored event only) - Pageant insurance - Party insurance - Auction insurance - Quinceanera insurance - Award presentation insurance - Recital insurance - Banquet insurance (dance, music) - Bazaar insurance - Religious event insurance - Car/Motorcycle/RV/Boat - Reunion insurance show insurance - School band or drill team (static display only) competition insurance - Concert insurance - School carnival insurance - Charity event insurance (no rides/inflatables) - Concert insurance - Show insurance (animals-arena (call for approval) setting only, art, baby, craft, etc.) - Convention insurance - Debut or debutant - Social gathering/reception insurance ball insurance - Speaking engagement insurance - Festival insurance - Theatrical performance insurance - Flea market insurance - Wedding activity insurance - Graduation ceremony insurance (rehearsal, ceremony or reception) - Job fair insurance - Lecture insurance - Meeting insurance - Walking tour insurance (garden, holiday, parage of homes, historical sites)-single location parties Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense - No Charge for Certificates of Insurance - Host Liquor Liability Included Liquor Liability - Primary (not available in AK, DC, HI, IA, MI) Increased Medical Expense (optional and not available online) K&K Insurance Group offers sports and recreations websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and leisure industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.eventinsurance-kk.com New! A Walk/Run Program designed specifically for competitive or non-competitive events. Please visit www.WalkRunInsurance-kk.com to apply online. 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

... Boat companies and ferry operators Marine contractors and surveyor..., and safety consultants Marina operators and dock crews Consultant en...

Venture Insurance Programs offers a specialized Bio Technology Insurance program built for the unique exposures of technology and biotechnology firms. This Workers’ Compensation-focused program pairs tailored comp coverage with risk management services designed for companies working in lab environments, medical device manufacturing, health-tech software, cloud infrastructure, and pharmaceutical R&D. Overview of the Program From Venture Insurance Programs Built for innovation-driven industries, Venture’s Bio Technology Insurance program is structured to evolve with your clients’ operations. The program emphasizes Workers’ Compensation protection and loss control for companies where traditional comp policies may not fully address lab hazards, field testing, or high-tech manufacturing risks. Underwriting is handled by a team experienced in emerging technologies and the operational risks common to biotech and health-tech firms. Ideal Accounts and Appetite This program targets mid-sized to large technology and biotechnology employers—particularly accounts with 50 or more employees. Ideal classes include: Biotechnology research and development companies Pharmaceutical testing and R&D laboratories Medical device design and manufacturing Health-tech software and hardware developers (wearables, diagnostic equipment) Internet service, data center and cloud infrastructure providers supporting health applications Example: You might have a client in California with 75 employees developing wearable medical devices. Venture’s program is designed to help you place that account competitively while addressing lab testing and manufacturing exposures. Coverage Highlights and Advantages Workers’ Compensation coverage tailored to technology and biotech exposures Integrated risk management resources and loss-control support specific to lab and manufacturing hazards Competitive premiuming for qualifying mid-to-large accounts Responsive underwriting from a technology-focused team familiar with biotech operations The program is intended to fill gaps where standard comp programs may not adequately address the combination of laboratory, field testing, and precision manufacturing risks common to biotech and medical device firms. Underwriting Notes and Minimum Premiums Venture generally prefers accounts with at least 50 employees and looks for clients with formal safety and loss-control programs. While a specific minimum premium is not listed here, underwriters evaluate payroll size, class codes, loss history, and operational controls when determining pricing. Be prepared to submit detailed loss runs, class description, and a summary of safety procedures for lab or manufacturing operations. Territories and Availability The Bio Technology Insurance program is available nationwide — in all 50 states plus Washington, DC — making it a practical option whether your client is in a major biotech hub like California or a growing tech market in Texas or the Midwest. Why Work With Venture Insurance Programs As an MGA focused on niche programs, Venture brings targeted underwriting expertise, market access, and hands-on service for placing complex tech and biotech comp accounts. Their team understands emerging technologies and the operational nuances that drive comp risk, so you can expect underwriting that speaks the language of your insureds and practical risk management guidance to help control losses. Frequently Asked Questions What types of accounts are a good fit for this program?Mid-sized to large technology and biotech firms—hardware and software developers, medical device manufacturers, clinical and R&D laboratories, and related infrastructure providers—are the best fits. Is this program available in all states?Yes. Venture’s Bio Technology Insurance program is available in all 50 states and Washington, DC. Does the program focus on any particular coverage?The program specializes in Workers’ Compensation coverage with embedded risk management and loss-control services tailored to technology and biotechnology operations. What size of business does the program target?The program is especially competitive for businesses with more than 50 employees, and it is commonly used for mid-sized to large accounts—particularly in states like California. Why should I place this type of business with Venture Insurance Programs?Venture offers deep industry knowledge, focused underwriting, and practical risk-management support for complex tech and biotech risks—making them a reliable partner when placing challenging or specialized comp accounts. Need help placing an account? Connect with a market specialist.