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Overview — Special Event Liability Insurance from Access E&S Insurance Services Access E&S Insurance Services places Special Event Liability coverage through a select group of markets that underwrite event exposures—coverage many admitted carriers no longer add simply by endorsement to a commercial general liability policy. As an Excess & Surplus Lines broker, Access E&S works with markets that write dedicated event forms and can include optional coverages such as Event Cancellation (economic loss for weather, performer/speaker cancellation, and other perils when quoted). Ideal Accounts and Appetite Corporate off-premises meetings, conferences and trade shows Public festivals, concerts and fairs (small–medium attendance) Sporting and recreational outings (e.g., guided rafting or adventure trips) Equine events, horse shows and similar animal exposures Weddings, private parties and vendor markets Charity runs, community events and fundraising galas Access E&S favors accounts where the event organizer can supply clear risk controls: documented security, alcohol management plans, vendor certificates, emergency plans and well-defined participant limits. High-hazard or carnival-style rides, unregulated pyrotechnics, or ongoing operations with a history of large losses may need specialized underwriting and could be limited. Coverage Highlights and Advantages Dedicated event liability forms designed for off-premises and temporary operations. Event Cancellation/Non-Appearance options available to cover economic loss from weather, performer or speaker cancellation, and broader perils when quoted. Markets that will consider unique exposures — adventure sports, equine activities, mobile vendors — with tailored terms. Flexible limits and wording for Additional Insured endorsements and certificate requests to support venue, vendors, and sponsors. Access to multiple non-admitted markets that underwrite event risk where admitted markets may not respond. Underwriting Notes and Submission Requirements To obtain competitive terms, submit early — markets tighten quickly as event dates approach. Typical submission items underwriting will request include: Event description, date(s), location and expected attendance Activity details (alcohol service, vendors, rides/attractions, animals, water activities) Security and crowd control plans; medical and emergency procedures Copies of vendor contracts, hold-harmless language, and any venue insurance requirements Loss history for the organizer and prior event claims (if any) Because Access E&S places with Excess & Surplus markets, some binding conditions or premium adjustments may apply for higher exposures. If Event Cancellation coverage is required, underwriters often need lead time to evaluate weather risks and performer contracts. Territories and Availability This program is available in AZ, CA, CO, NV, TX and WA. Availability across those states is generally strong through Access E&S’s markets, but final eligibility and admitted vs. non-admitted placement depend on the specific risk and state regulations. Why Place Event Business with Access E&S Insurance Services Specialized event markets — Access E&S maintains relationships with underwriters experienced in event and cancellation exposures. Practical underwriting guidance — brokers receive clear submission checklists and risk improvement suggestions to increase the chance of placement. Responsive quoting in E&S markets where admitted options are limited or unavailable. Flexible solutions for one-off events and recurring programs. Example scenarios: You might have a client running a weekend equine show who needs combined liability and cancellation protection, or an association planning an offsite conference that requires host venue additional insured endorsements and non-appearance coverage for a keynote speaker. Access E&S can help you package the submission so markets can evaluate and quote. Frequently Asked Questions What types of events are a good fit for this program?Small to medium public or private events such as conferences, festivals, charity runs, equine shows, guided adventure trips and weddings are typical fits. Events with clear risk controls and documented vendor management are preferred. What information do underwriters need to quote an event?Underwriters usually require an event description, dates, location, expected attendance, details on activities (alcohol, vendors, rides, animals), security plans, vendor agreements, and the organizer’s loss history. Does Access E&S provide Event Cancellation coverage?Yes. Access E&S has markets that quote Event Cancellation and Non-Appearance coverage for weather and, when quoted, broader perils including speaker or performer cancellation. These coverages should be requested early in the placement process. Is coverage placed admitted or non-admitted?Access E&S is an Excess & Surplus Lines broker and primarily places with non-admitted markets that specialize in event risk. Admitted options may be available in some states or for certain lower-exposure events; check state availability and market appetite. Need help placing an account? Connect with a market specialist.

Now you can offer jaw-dropping prizes at your golf tournaments — prizes like new cars or exotic vacations — for a modest premium. OnPoint Underwriting places ACECO Hole-in-One Insurance, a program that lets your clients promise big awards without the big financial risk. Overview of the Program From OnPoint Underwriting OnPoint Underwriting administers the Hole In One Insurance via ACECO program for agents and brokers. For a modest premium — often only a few hundred dollars — ACECO assumes responsibility for paying the advertised prize if a participant makes a hole-in-one on the target hole. The program is backed by AXIS, rated “A+” by Standard & Poor’s and “A” XV by A.M. Best for claims-paying ability, giving you and your insureds financial confidence. How it works You submit the tournament details (primarily the value of the main prize, number of players, and the yardage of the target hole). OnPoint Underwriting uses AceQuote, our online quoting tool, to obtain a rate from ACECO. ACECO issues the policy; if an insured aces the hole, ACECO pays the prize and your client keeps the publicity and goodwill. Coverage Highlights and Advantages Low cost for high visibility — let insureds offer car, vacation, or other high-value prizes without large exposure. Underwritten capacity provided by AXIS, a financially strong carrier. Fast quoting through AceQuote — quotes typically returned within 24 hours. Program administered by OnPoint Underwriting with experience placing hole-in-one risks for charity, club, and corporate events. Ideal Accounts and Appetite This program is a natural fit for: Charitable fundraisers and nonprofit golf tournaments looking to boost attendance and donations. Private and public golf clubs that want to offer a headline prize for member events. Corporate outings, dealer events, and community tournaments where a single hole prize will be promoted. Typically a good fit when the prize is a single headline item (car, trip, merchandise) and the event is an amateur or nonprofit tournament. Unusual formats, professional events, or exceptionally large prize programs may need additional underwriting review. Underwriting Notes and Minimum Premiums Minimum premium: $150. Essential submission information: value of the main prize, expected number of players, and target hole yardage. Using AceQuote speeds the process and reduces back-and-forth underwriting questions. Events with very high prize values, unique terms, or nonstandard formats may require supplemental information or manual underwriting. Territories and Availability Available in: 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, VA, WA, DC, WV, WI, WY. Why Work With OnPoint Underwriting on This Business Specialized program administration for hole-in-one risks — streamlined submissions and fast responses. Access to AXIS capacity through ACECO, giving agents a strong carrier partner for promotional prize coverage. Simple quoting workflow via AceQuote and responsive underwriting for typical tournament needs. Ready to place a risk? Get a quick quote through AceQuote, or call us at 888-828-8540 or e-mail us today (Whitney Copp: [email protected]). Frequently Asked Questions What information do I need to get a hole-in-one quote?Provide the value of the main prize, the number of tournament players, and the yardage of the target hole. Submitting through AceQuote speeds underwriting and helps deliver a quote within about 24 hours. What types of events are a good fit for this program?This program is designed for amateur and charity tournaments, club events, and corporate outings that promote a single headline prize. Events with unusual formats or professional competitions should be discussed with underwriting first. Are there minimums or limits I should know about?The program has a minimum premium (typically $150). Larger or atypical prize packages may require additional review; underwriters will detail any extra information needed during the quote process. Need help placing an account? Connect with a market specialist.

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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

Special Events Insurance Program from Cochrane & Company Cochrane & Company offers a focused Special Events Insurance program that helps agents and brokers place one-day or short-term event liability for clients. Whether the insured is running a wedding reception, fundraiser, festival, corporate party, or concert, this program is designed to address the common exposures that arise at temporary events. As a Managing General Agency with more than 25 years of liquor liability experience, Cochrane & Company understands the added risks when alcohol service, temporary staff, volunteers, food vendors, and large crowds are involved. Policies are written on a non-admitted basis and are available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Ideal Accounts and Appetite This program is a good fit for short-duration events including: Weddings, receptions, and private parties Charity events and fundraisers Festivals, fairs, parades, and community events Corporate events and company functions Concerts and live performances (one-day or limited series) Events with on-site alcohol service—whether provided by the insured or a contracted vendor—are within appetite. Accounts hosted at rented venues, those using temporary workers or volunteers, and events with food vendors are also eligible. Higher-risk exposures such as large multi-day festivals, venues with known crowd-control issues, or events where underage drinking is uncontrolled should be reviewed with underwriters in advance. Coverage Highlights and Advantages The Special Events program includes coverages commonly requested for event placements: Liquor Liability: Separate limits available for negligent service to intoxicated or underage attendees General Liability: Coverage for bodily injury, property damage, and medical payments No Deductible: Reduces out-of-pocket exposure for insureds Damage to Rented Premises: Broader coverage than basic fire-only limits Food & Beverage Product Liability: Protection for food-borne illness and related claims Expense Costs Outside Policy Limit: Select costs can be paid outside the underlying limit to help preserve limits for third-party claims Additional Insured Endorsements: Venues and landlords can be added at no extra charge Temporary Workers & Volunteers: Automatically included as insureds where applicable Claims Expertise: Dedicated claims unit with liquor liability and event experience Underwriting Notes and Minimum Premiums Cochrane underwrites each event individually to allow flexibility in coverage and pricing. Minimum premiums vary by event type, size, and state. When submitting, be prepared to provide: Expected attendance and duration Alcohol service details (who serves, ticketed vs. open bar) Venue type (private residence, rented hall, outdoor park, etc.) Use of vendors, food trucks, or amusement vendors Information on security, crowd control, and temporary staffing Territories and Availability This program is available on a non-admitted basis in: Arizona, California, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington, and Wyoming. Availability may vary by carrier and odd-limit requests should be discussed with underwriting. Why Work With Cochrane & Company? Cochrane & Company brings decades of focused liquor and event liability underwriting. Their strengths include deep market relationships for alcohol liability placements, a claims unit experienced with event-related exposures, and flexible underwriting for single-event and small-series placements. Those features can help you place accounts quickly and reduce surprises at bind/claim time. Example scenarios you can place through this program: a couple hosting a private wedding reception at a rented venue with a hired bartender and food trucks; or a local nonprofit running a one-day outdoor fundraiser with volunteers and a temporary beer garden. Both situations typically fit the program when event controls and vendor agreements are in place. For more information or to submit a risk, contact Cochrane & Company or visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Events like weddings, festivals, corporate functions, and fundraisers—especially those involving alcohol service—are ideal for this program. Can venues be listed as additional insureds?Yes. Venues and landlords can be added as additional insureds at no extra cost under this program. Is liquor liability included in the policy?Liquor liability is available with separate limits and can be written alongside general liability to cover negligent service claims. What states is this program available in?This program is available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Are temporary staff and volunteers covered?Yes. Temporary workers and volunteers are typically included as insureds under the policy. Need help placing an account? Connect with a market specialist.

Event Cancellation Insurance Expo-Plus – Insurance for All Your Clients' Events Mercer Consumer, a service of Mercer Health & Benefits Administration, LLC, offers a focused Event Cancellation Insurance program to protect your clients from unexpected disruptions. As a program administrator with experience in event risk, Mercer Consumer gives brokers and agents access to a flexible, non-admitted solution that can be tailored to a wide range of event types and loss triggers. Whether your client is running a conference, trade show, fundraising gala, or sporting event, Expo-Plus can help protect their financial investment and anticipated revenue. Ideal Accounts and Appetite This program fits many event classes, including: Corporate meetings and conventions Trade shows and expos Fundraisers and charity events Sporting events and tournaments Concerts, festivals, and other entertainment events Mercer Consumer is interested in submissions for both large and small events, especially those with significant upfront costs, vendor commitments, and anticipated revenue streams. Typical submissions should show the event budget, timing, and major contractual exposures. Events with very high-risk features (e.g., known structural hazards at a venue, high likelihood of cancellation for regulatory reasons) may require additional underwriting review. Coverage Highlights and Advantages Comprehensive protection: Coverage for expenses and expected revenue losses resulting from cancellation, postponement, or curtailment. Broad range of triggers: Triggers commonly include strikes, power outages, floods, fires, and physical damage to the venue. Flexible underwriting: Mercer Consumer works with multiple carriers to tailor limits and terms to the event’s exposure. Practical for planners: Policies are designed so organizers can focus on execution knowing major financial risks are covered. Underwriting Notes and Minimum Premiums Underwriters evaluate event type, date, location, projected revenue, vendor contracts, and contingency plans. Submissions that include a clear event timeline, budget breakdown, and details on cancellation clauses in venue and vendor contracts get faster responses. Minimum premiums vary by risk profile and carrier placement; Mercer Consumer will match options to the account’s needs. Territories and Availability This non-admitted program is available nationwide — all 50 states and Washington, D.C. — subject to carrier appetite and state-specific placement considerations. Confirm availability for any specific event and location at submission. Why Work With Mercer Consumer? Mercer Consumer specializes in consumer-focused program administration and brings targeted expertise to event cancellation risk. As a program administrator, they provide brokers with access to several carrier options, flexible terms, and underwriting support tailored to each event. Whether you’re placing a single-day seminar or a multi-day festival, Mercer Consumer helps structure coverage around the contract and revenue exposures that matter most to event organizers. For more information on Event Cancellation Insurance, visit ExpoPlus or explore other Mercer Consumer offerings. We’re here to help you find the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients hosting conferences, trade shows, fundraisers, entertainment events, and other gatherings with significant financial investment and exposure to cancellation risks. Is this coverage available in all states?Yes. Mercer Consumer offers this program across all 50 states and Washington, D.C., but it is written on a non-admitted basis and availability can depend on carrier appetite for the specific event. What are common triggers for claims under this policy?Claims are commonly triggered by cancellations or interruptions from power failures, strikes, adverse weather, venue damage, fires, and other sudden, unexpected events that prevent the event from proceeding as planned. How does underwriting work for this program?Underwriters review event details such as type, date, location, budget, vendor and venue contracts, and projected revenue. Mercer Consumer works with multiple carriers to find terms that match each submission’s risk profile. What is the minimum premium for this coverage?Minimum premiums vary by event size, risk factors, and carrier. Provide a full submission with budget and contract details to receive accurate premium guidance. Need help placing an account? Connect with a market specialist.

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