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Overview — Charity First: Arts, Civic & Social Clubs/Organizations Insurance Charity First Insurance Services Inc is a nationwide program manager that helps independent agents place insurance for nonprofit arts groups, civic organizations, social clubs and similar community-based entities. Our Arts, Civic & Social Clubs/Organizations Insurance program is backed by multiple A.M. Best "A" rated carriers and is designed to adapt as a nonprofit’s operations evolve. Charity First combines market access with nonprofit-specific underwriting and complimentary risk management resources to help your clients reduce exposures and manage claims. Ideal accounts and appetite This program is built for nonprofit and community organizations including (but not limited to): Community theaters, art centers and galleries Civic clubs, historical societies and rotary-type organizations Neighborhood social clubs, fraternal groups and booster clubs Community festivals, fundraisers and volunteer-run events Small-to-mid size music and performance groups Accounts that fit well are typically volunteer-run or staffed by a small payroll, hold periodic events or performances, own or lease modest facilities, and seek broad nonprofit-focused protection. High-hazard operations, large-scale commercial events, or organizations with unusual professional liabilities may require prior discussion with underwriting. Coverage highlights and advantages Flexible package options for General Liability, Property, Event and Volunteer exposures. Access to nonprofit-focused endorsements and specialized limits appropriate for community organizations. Claims handling and policy forms provided through well-known, highly rated insurance companies. Complimentary access to a library of safety articles and risk-management tools to help your clients reduce loss frequency and severity. Program administration and underwriting tailored to the nonprofit marketplace — faster turnaround and clearer guidelines for common nonprofit exposures. Underwriting notes and minimum premiums Underwriting is focused on the nonprofit’s operations, size, revenue, frequency of events, volunteer exposure and any alcohol or special activities. Charity First evaluates each account with nonprofit experience in mind and places risks with carriers that understand community organizations. Minimum premium: Varies by state, line of coverage and carrier. Because minimums depend on the chosen market and the insured’s exposure profile, submit a simple Acord and supplemental details for a prompt indication. Territories and availability Charity First’s Arts, Civic & Social Clubs/Organizations Insurance program is available in most states (see territories listed on the program page). Because carrier appetite and admitted status can vary by state, Charity First places accounts through a mix of admitted and non-admitted markets as appropriate for the risk. Why work with Charity First on this business Specialized nonprofit focus — underwriters and service teams experienced with the common exposures of arts and civic organizations. Wide market access — multiple A-rated carriers provide choices for admitted and non-admitted placements. Agent-friendly underwriting — practical submission requirements and access to risk-management materials you can share with clients. Efficient quoting for routine nonprofit risks and the flexibility to handle more complex or event-driven accounts on a case-by-case basis. Example account scenarios You might have a community theater seeking general liability, property and event coverage for seasonal productions and volunteer staff. Or a civic club that hosts a summer music series and needs event liability and liquor liability options for short-term fundraisers. Both are the types of accounts Charity First routinely places with carriers that understand nonprofit operations. Frequently Asked Questions What types of accounts are a good fit for this Charity First program?Small-to-mid-size nonprofit arts groups, community theaters, civic clubs, social clubs, historical societies and volunteer-run events are a strong fit. The program favors organizations with limited payroll, regular volunteer activity and routine community events. Which coverages can I place through this program?Carriers in the program offer flexible packages that commonly include general liability, property, event liability, volunteer liability and nonprofit-friendly endorsements. Specific coverages and limits depend on the carrier selected and the insured’s exposures. How do underwriting and minimum premiums work?Underwriting evaluates the organization’s operations, events, volunteer exposure and alcohol or special activities. Minimum premium varies by state and carrier; submit basic application materials to receive an accurate indication for a specific account. In which states is the program available?The program is available in most states. Availability and admitted status depend on the carrier selected; Charity First places accounts in the territories where its carrier partners are licensed or through surplus lines where appropriate. Need help placing an account? Connect with a market specialist.

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At Charity First, we put your charity first. As a nationwide program manager focused on nonprofit organizations, Charity First partners with A.M. Best "A"-rated carriers and other respected insurers to provide tailored, flexible coverage for community-centered operations. Our program combines marketplace access, nonprofit underwriting expertise, and complimentary risk-management resources designed to help your clients control exposures and lower loss frequency. Overview of the Program from Charity First Insurance Services Inc Community Centers Insurance from Charity First is a specialty program designed for nonprofit community centers, neighborhood houses, and similar civic organizations. The program is offered through a network of admitted and non-admitted carriers (varies by state) and is placed through Charity First as a general agency to give agents broad market access and specialized underwriting for nonprofit risks. Ideal Accounts and Appetite Community centers, neighborhood resource hubs, and recreational nonprofit facilities. Organizations that operate educational programs, after-school care, senior activities, food distribution, and volunteer-led events. Facilities with moderate property values, organized volunteer programs, and documented safety policies—including background checks and written operational procedures. Not a good fit: organizations with high-hazard activities (e.g., regular youth overnight camping, large amusement rides), significant habitational exposures, or severe prior loss histories without demonstrated remediation. Coverage Highlights and Advantages General liability tailored to nonprofit operations, including limits and wording relevant to volunteers and program services. Property coverage for owned and leased premises, with options for equipment, contents, and business interruption tied to community services. Volunteer accident coverage and optional directors & officers (D&O) and employment practices liability (EPLI) to protect boards and staff. Access to A.M. Best "A"-rated markets and multiple carrier options to improve placement likelihood. Complimentary risk management library and safety guidance to help reduce frequency and severity of claims. Underwriting Notes and Minimum Premiums Charity First evaluates exposures based on operations, attendance, staffing and volunteer structure, background screening practices, and loss history. Typical submission requirements include a current application, loss runs, and a description of programs and safety procedures. Minimum premium: Varies by carrier and state. Provide complete submissions to obtain accurate pricing and to determine admitted vs. non-admitted placement options. Territories and Availability The Community Centers Insurance program is available in most states. Current availability includes: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, 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, DC. Placement terms and admitted status vary by state and carrier. Why Work with Charity First on Community Centers Business Nonprofit specialty focus: underwriters and program managers who understand the nuances of volunteer exposure, grant-funded programs, and board governance. Market access: multiple carriers (various) including A.M. Best "A"-rated insurers to improve the chances of placement and competitive terms. Practical support: risk management resources and claim servicing through established carrier networks. Responsive underwriting: ability to consider program specifics and to structure supplemental coverages like D&O, EPLI, and volunteer accident protection. Example Accounts You have a small neighborhood community center that runs after-school tutoring, weekend food distribution, and a volunteer mentoring program. Low property values, clear volunteer screening, and limited third-party activities make this a good candidate. A midsize civic center that rents space to community groups, offers senior day programs, and operates occasional fundraising events. Placement may include property, GL, volunteer accident, and optional D&O coverage. How to Submit Submit completed applications, current loss runs, and program descriptions to Charity First so underwriting can match the account to the appropriate admitted or non-admitted market. For questions about appetite or supplemental coverage options, include a brief narrative of operations and any recent risk-management initiatives. Frequently Asked Questions What types of community centers are a good fit for this program?Small to midsize nonprofit community centers offering educational programs, food distribution, senior or youth activities, and volunteer services are the primary target. Centers with formal safety procedures and volunteer screening tend to get the best terms. Are directors & officers and volunteer accident coverages available?Yes. D&O and volunteer accident (and often EPLI) are available as optional coverages depending on carrier and state. They are commonly bundled with liability and property placements for a comprehensive solution. Which states is the program available in?The program is available in most states. See the program territory list on this page for specific states; admitted vs. non-admitted options depend on carrier appetite by state. Need help placing an account? Connect with a market specialist.

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International Insurance Solutions for Nonprofit Organizations At Charity First Insurance Services Inc, we understand the unique challenges nonprofit organizations face—especially those operating or supporting work internationally. Our Nonprofits - International Insurance program is specifically designed to serve the complex needs of nonprofits with global exposure. Whether your client is running overseas missions, supporting international aid efforts, or sending volunteers abroad, we offer tailored coverage backed by top-rated carriers. Ideal Accounts and Appetite This program is ideal for nonprofit organizations that: Operate internationally or support causes outside the U.S. Send staff or volunteers overseas for missions, relief work, or education programs Provide funding or resources to international partners Have exposure to foreign travel, liability, or property risk Example accounts include faith-based missions, international relief organizations, global health nonprofits, and educational nonprofits with global outreach programs. Coverage Highlights and Advantages We offer flexible, comprehensive insurance policies that evolve with your nonprofit clients. Partnering with A.M. Best "A"-rated carriers, our solutions are built to handle the specialized risks associated with international nonprofit operations. Coverage options may include: General Liability and Abuse & Molestation coverage Foreign General Liability and Foreign Workers Compensation International Auto Liability Travel Accident and Sickness coverage for staff and volunteers abroad Property coverage including international locations and equipment Directors & Officers Liability for global operations We also provide complimentary access to a robust online risk management resource center, offering safety articles and tools to help nonprofits proactively manage their exposure. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size, scope, and international reach of the nonprofit. We focus on understanding the organization’s mission and operations to offer the right level of protection. Our underwriting team is experienced in handling complex nonprofit risks and can help you structure coverage that meets your client’s needs. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. We write business in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, 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, DC. Coverage is written on an admitted basis in most available states. Why Work With Charity First Insurance Services Inc As a national program manager with a dedicated focus on nonprofits, Charity First brings deep industry experience and long-standing carrier relationships. Our team understands the mission-driven nature of your clients’ work and the liability exposures that come with it—especially when operating internationally. We help agents and brokers succeed by offering responsive underwriting, risk management support, and access to some of the nation's most respected insurance markets. Whether your client is a small nonprofit sending volunteers abroad or a larger organization with global operations, we offer scalable, responsive solutions to protect their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations with international exposure, such as mission groups, global aid organizations, and nonprofits supporting work abroad, are ideal candidates. Can this program cover volunteers and staff traveling overseas?Yes. We offer coverage options that include travel accident and sickness insurance, foreign liability, and other protections for staff and volunteers abroad. Are there specific countries where coverage is excluded?Coverage availability may vary based on the destination country. Our underwriting team will review each submission to determine eligibility and any country-specific restrictions. Is the program admitted in most states?Yes, coverage is written on an admitted basis in most available states where the program is offered. What underwriting information is needed to get a quote?We typically need details about the nonprofit’s mission, international activities, number of staff/volunteers, travel plans, and current insurance structure to provide a quote. Need help placing an account? Connect with a market specialist.

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Insential's Insurance for Special Events program delivers tailored coverage for organized and temporary events across most U.S. states. Whether your client is staging an intimate charity fundraiser or a large tradeshow, you can place the appropriate general liability and specialty coverages to protect the event, venue, and organizers. Overview of the Program From Insential As an experienced Excess & Surplus Lines Broker, Insential partners with multiple carriers to give agents access to the markets needed for event exposures. Our program is built for the unique risks of temporary and one-time events, offering flexible, responsive solutions and guidance on appropriate limits and risk classes. We combine quick quote turnaround with competitive terms and underwriting that understands event variability. Whether the insured is an event planner, venue host, caterer, or organization staging a public gathering, Insential helps you place the right coverages efficiently. Ideal Accounts and Appetite We handle a broad spectrum of event types, including: • Auctions • Art Displays • Bazaars • Banquets • Conventions • Craft Fairs and Displays • Charity Events • Concerts • Graduations • Lectures and Seminars • Meetings and Pageants • Proms and Reunions • Religious Assemblies • Parades and Shows • Static Auto Shows • Social Gatherings • Trade Shows • Receptions and Weddings Typical fits include one-time events and recurring functions where temporary exposures exist—venues, promoters, caterers, independent event planners, and nonprofit fundraisers. We also accept new ventures and first-time events when adequate underwriting information is provided. Example placements you might encounter: A community association hosting an annual block party that needs general liability and optional liquor liability for a single-day permit. An organizer running a three-day trade show requiring higher aggregate limits, vendor coverage considerations, and defense costs outside the limits. Coverage Highlights and Advantages Program features designed for event business: • Liquor liability available • Multiple deductible options, including $0 deductible options in select cases • Defense costs paid outside of policy limits • Supplemental applications accepted • 3-year loss runs where required • New ventures welcome • Quick quote turnaround to help you close business faster Underwriting Notes and Minimum Premiums Minimum premiums vary by event type, duration, location, and requested limits. Underwriting will consider attendee counts, alcohol service, security, vendor activities, and prior loss history. Supplemental applications and loss runs may be requested to complete the submission. Provide a clear description of operations, expected attendance, and any alcohol or rental equipment arrangements to help speed placement. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. We serve agents and brokers nationwide, with coverage accessible in 48 states plus Washington, DC. Contact Insential to confirm availability and specific filing requirements for your client’s location. Why Work With Insential on Special Events Insential focuses on specialty and hard-to-place risks and provides agents with market access and underwriter expertise for event business. Our strengths include targeted underwriting for temporary exposures, expedited quoting, and a willingness to consider new ventures and unusual risks. We aim to remove friction from the placement process so you can focus on serving your client. Let our team help you secure solid protection for your client’s next event—from weddings and receptions to large-scale conventions. If you need help placing an account, connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-time or recurring special events such as weddings, trade shows, concerts, charity fundraisers, and religious gatherings. Can new ventures or first-time events be covered?Yes. We accept new ventures and first-time events provided sufficient underwriting information is supplied. Is liquor liability available through this program?Yes. Liquor liability can be included based on the nature of the event and underwriting approval. What is the typical turnaround time for quotes?We offer quick quote turnaround—often within 24–48 hours—depending on the complexity of the risk and the completeness of the submission. Do you write business in all states?We offer coverage in most U.S. states, including DC. Contact us to confirm availability for your client’s specific location. Need help placing an account? Connect with a market specialist.

PERSONAL Permanent Life Term Life Disability Income Estate Planning First-to-die Second-to-die Financial Planning Personal Maximization Retirement Annuities IRA Alternative Long Term Care Mortgage Protection Major Medical / Hospitalization Cancer Medjet Services Temporary Medical BUSINESS Key Man Buy-Sell Disability Income Business Overhead Expense Annuities Pension 401(k) Plans Profit Sharing Retirement Plans Executive Benefit Plan Deferred Compensation Split Dollar Medjet Services Travel Accident International Travel EMPLOYEE BENEFITS Group Life Accidental Death & Dismemberment Dependent Life Group Disability Short Term Long Term Group Medical Fully Insured Partially Self-Insured Group Dental Voluntary Payroll Deduction Life Insurance Long Term Care Disability Dental Cancer Long Term Care Section 125 What is a beneficiary? A beneficiary is the person or entity you name in a life insurance policy to receive the death benefit. You can name: One person Two or more people The trustee of a trust you’ve set up A charity Your estate If you don’t name a beneficiary, the death benefit will be paid to your estate. Two “levels” of beneficiaries for your Life Insurance Your life insurance policy should have both “primary” and “contingent” beneficiaries. The primary beneficiary gets the death benefits if he or she can be found after your death. Contingent beneficiaries get the death benefits if the primary beneficiary can’t be found. If no primary or contingent beneficiaries can be found, the death benefit will be paid to your estate. As part of naming beneficiaries, you should identify them as clearly as possible and include their social security numbers. This will make it easier for the life insurance company to find them, and it will make it less likely that disputes will arise regarding the death benefits. For example, if you write "wife [or husband] of the insured" without using a specific name, an ex-spouse could claim the death benefit. On the other hand, if you have named specific children, any later-born or adopted children will not receive the death benefit—unless you change the beneficiary designation to include them. Besides naming beneficiaries, you should specify how the benefits are to be handled if one or more beneficiaries can’t be found. For example, suppose you have two children and you name each one to receive half of the death benefit. If one of the children dies before you do, do you want the other child to get the entire death benefit, or the deceased child’s heirs to get his or her share? If the death benefit goes to your estate, probate proceedings could delay distributing the money, and the cost of probate could diminish the amount available to your heirs. Choosing beneficiaries for your Life Insurance policy, and keeping those choices up-to-date, is an important part of owning life insurance. The birth or adoption of a child, marriage or divorce can affect your initial choice. Review your beneficiary designation as new situations arise in order to make sure your choice is still appropriate. Why should I buy life insurance? Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death. Pay final expenses Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. Create an inheritance for your heirs Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries. Pay federal “death” taxes and state “death” taxes Life Insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level “death” taxes. Make significant charitable contributions By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy’s premiums. Create a source of savings Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

Special Events Insurance Coverages: Event Cancellation Trade Shows & Festivals Overview of the Program From Abram Interstate Insurance Services, Inc. Abram Interstate Insurance Services, Inc. provides a focused Special Events Insurance program tailored for agents and brokers who need fast, short-term solutions for one-time or seasonal events. As a Managing General Agency with access to multiple non-admitted carriers, Abram Interstate streamlines placement for events in California and Arizona. The program is designed to be flexible for individual organizers, nonprofits, and commercial clients, helping you secure the specific coverages venues and vendors require. Ideal Accounts and Appetite This program fits a broad range of events, particularly short-duration gatherings with low to moderate risk. Typical accounts include: Community festivals and street fairs Trade shows, conventions, and vendor markets Private and corporate parties Weddings, receptions, and celebratory events Fundraisers and charity events You might place a weekend art fair requiring vendor and general liability limits, or a multi-day food and wine expo that needs cancellation protection and exhibitor coverage. The appetite favors public or invitation-only events without ongoing operations or high-hazard activities. Coverage Highlights and Advantages Abram Interstate’s Special Events program delivers the core protections event organizers commonly need, with quick quoting and the ability to tailor limits and endorsements to venue requirements: Event Cancellation: Coverage for lost revenue and certain expenses if an event is canceled or postponed due to covered causes. General Liability: Protection for third-party bodily injury and property damage arising from the event. Trade Shows & Festivals: Options for vendor, exhibitor, and organizer exposures, including short-term policies for multi-day events. Policies are written on a short-term basis and can be adjusted to meet venue certificates of insurance and additional insured requirements. Underwriting Notes and Minimum Premiums Underwriting focuses on event details: date(s), location, estimated attendance, vendor setup, alcohol service, and whether amplified sound or rides are present. Events with obvious high-risk elements—fireworks, motorized sports, large-scale structures, or pyrotechnics—often need additional review and may be excluded. Minimum premiums vary by carrier and event characteristics; expect different minimums depending on duration, attendance, and exposures. Territories and Availability This Special Events program is available in California and Arizona. Policies are placed on a non-admitted basis through multiple carriers, which provides flexibility for unique or hard-to-place risks that admitted markets may not accept. Why Work With Abram Interstate? Abram Interstate is an experienced MGA with responsive underwriting and access to several non-admitted markets. Working with them gives you efficient submission handling, quick turnaround for standard events, and underwriters who understand venue and exhibitor requirements. This program is a practical solution when a standard package policy won’t cover a short-term gathering or when a venue requires specific short-term certificates. Practical Examples - You have a client organizing a 2-day artisan festival in California with 50 vendors and beer gardens — this program can provide general liability and event cancellation coverages to satisfy the venue and protect the organizer. - A nonprofit holding an outdoor charity gala in Arizona needs cancellation protection and certificate proof of insurance for the rented venue — the program can quote short-term limits and issue fast. Frequently Asked Questions What types of accounts are a good fit for this program?Short-term events such as trade shows, festivals, weddings, fundraisers, and private parties in California or Arizona are a strong fit, provided the event does not involve high-hazard activities. Is this program available on an admitted basis?No. Policies under this program are placed on a non-admitted basis through various carriers to give flexibility for unique risks. Can I get coverage for a multi-day festival?Yes. Multi-day festivals are eligible if they meet underwriting criteria. Include full event details in your submission to speed approval. How quickly can I get a quote?Turnaround is typically fast for standard events. Providing complete event information up front (dates, location, attendance, activities) helps expedite quoting and binding. Are high-risk events eligible?High-risk events may be considered case-by-case, but many with fireworks, motorized sports, or significant pyrotechnics are often excluded or require specialized underwriting. Need help placing an account? Connect with a market specialist.