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Expertise. Solution. Service. MAXIMUM’s The Long Shot - Prize Indemnification program is designed specifically for golf tournaments looking to attract more attention, boost participation, and raise additional revenue — all while managing the financial risk of high-value prizes. This turnkey solution offers insurance coverage for hole-in-one prizes, providing peace of mind and a powerful promotional tool for your clients hosting golf events. Ideal Accounts and Appetite This program is ideal for golf tournaments and charity events that want to offer exciting hole-in-one prizes to participants. The following types of events are a strong fit: • Tournaments offering up to $50,000 in prize value per hole • Events with multiple prize holes • Tournaments with hole distances of at least 125 yards for women and 150 yards for men Example fit: You might have a nonprofit client planning a charity golf tournament. They're looking to boost attendance with a compelling prize like a new car. This program allows them to offer that incentive without the financial exposure if someone wins. Coverage Highlights and Advantages • High-visibility prizes attract more players and media attention • Unlimited prize restoration ensures continued excitement throughout the event • If a winner emerges, 20% of the prize value is donated to the tournament’s associated charity • Opportunities for local business sponsorship on prize holes, generating additional revenue • Offer valuable prizes at minimal cost and no financial risk to the event organizer • Access to business solution vendors for related services, including: • Human resources support • Pre-employment and tenant screening • Identity protection services • Marketing assistance Underwriting Notes and Restrictions To ensure smooth placement, be aware of the following underwriting guidelines: Ineligible Risk Characteristics: • Hole distances under 125 yards for women or 150 yards for men • Prize values exceeding $50,000 • Events held in Alaska, Louisiana, or West Virginia • Events that include professional golfers • Events that allow practice shots or mulligans Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Please note that coverage is not available in AK, LA, or WV. Why Work With MAXIMUM? As a trusted wholesale broker, MAXIMUM brings niche program expertise, fast service, and customized solutions to the table. Our team understands the unique needs of prize indemnification and is committed to helping agents and brokers deliver standout coverage options to their clients. We settle for nothing less than the best, and offer flexible, responsive support throughout the application and underwriting process. If you’re ready to offer your golf tournament clients a compelling and secure way to add excitement to their events, contact MAXIMUM today to learn how we can help. Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process. Frequently Asked Questions What types of accounts are a good fit for this program?Charity golf tournaments, corporate golf outings, and community events that want to offer hole-in-one prizes up to $50,000 are ideal candidates. Are professional golfers or mulligans allowed under this coverage?No, events that allow professional golfers, practice shots, or mulligans are ineligible for this program. What are the minimum yardage requirements for the prize holes?The prize hole must be at least 125 yards for women and 150 yards for men to qualify for coverage. Is this program available in all states?The program is available in most states but is not available for events in Alaska, Louisiana, or West Virginia. What happens if someone wins the prize?If there is a winner, the prize is paid out and an additional 20% of the prize value is donated to the tournament’s designated charity. Need help placing an account? Connect with a market specialist.

...y and underwriting expertise for charities, group homes, shelters, community s...asses Eligible Classes: Group homes Charities Churches Clinics Community servi...

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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.

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.

K&K's Tenant User Liability Insurance Program (TULIP) offers a convenient way for tenants, who are hosting special events at certain facilities, to obtain event liability coverage. The TULIP is designed for owners of premises and facilities like banquet halls or churches that are rented or leased to tenants for short-term special events that meet the following criteria: - Maximum total attendance is 3,000 or less. - Maximum number of consecutive event days (not including set-up or tear-down) is 10. - The event is head at a single location. - Event location is in the United States. Eligible Operations for TULIP Insurance: (Including but not limited to) - Auctions - Banquets - Picnics (no water activities) - Baptisms - Proms, debutant balls - Bar/bat mitzvahs - Recitals - Bingo games (for charity - Reunions fundraising only) - Rummage sales - Birthday parties - School band or drill - Business dinners team competitions and meetings - School carnivals - Car, RV, boat, and motorcycle (no rides/inflatables) shows (static displays only) - Shows (antique, art, baby, - Charity or fundraising events craft, fashion, flower, home - Conventions, trade shows and garden) - Dinners, luncheons or showers - Festivals - Speaking engagements - Stage shows, theatrical - Lectures, seminars performances - Meetings (clubs or business) - Swap meets - Memorial services - Walking tours (garden, holiday, - Pageants parade of homes, historical sites) - Parties (anniversary, baby shower, engagement, graduation, retirement) - Wedding ceremony, shower, reception, or rehearsal dinner Coverages Available & Program Highlights: Commercial General Liability - Each Occurrence - General Aggregate (other than products-completed operations) - Products-Completed Operations Aggregate - Personal and Advertising Injury - Damage to Premises Rented to You - Medical Expense 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

Overview of the Program From Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a Special Events program designed for agents placing short-term liability for one-day to multi-day events. As a wholesale broker, Bailey Special Risks provides access to capacity underwritten by United States Liability Insurance Group and focuses on straightforward, flexible event policies that address common exposures for organizers, venues, and vendors. This program is intended for agents who need a reliable, event-specific liability solution with options for liquor, vendors, volunteers, and rented premises coverage. Ideal Accounts and Appetite This program fits a wide range of events, including: Weddings, private parties and corporate gatherings Street fairs, farmers markets and vendor bazaars Community festivals, parades and charity fundraisers Sporting events, runs/walks and amateur competitions Concerts, live performances and temporary exhibitions Underwriters will consider events with alcohol service, multiple vendors, volunteer staff, and temporary workers. High-hazard operations—such as permanent amusement parks, professional motor sports, large stadiums, or events primarily featuring pyrotechnics or other specialized exposures—are evaluated on a case-by-case basis and may be restricted. Coverage Highlights and Advantages Key features under the Bailey Special Risks Special Events program include: Liability Insurance Optional Host & Commercial Liquor Liability coverage Coverage for volunteers Temporary or leased workers Food & beverage product liability Optional Medical payments coverage Optional coverage for damage to rented premises Limits up to 1M/1M available Optional endorsements and tailored wording help accommodate vendor exposures, certificate holder requirements, and additional insured needs common to event contracts. Underwriting Notes and Submission Requirements To secure a quote quickly, provide: Event name, date(s) and location Estimated attendance and expected crowd profile Whether alcohol will be served (hosted or vendor beer/wine/spirits) A list of vendors, entertainers, and any rented equipment Security arrangements, emergency medical plans, and parking/traffic controls Venue lease or contract terms and any certificate/endorsement language required Loss history for similar events, if available Underwriting may request additional documentation for multi-day events, large attendance counts, or specialized exposures. Territories and Availability The program is available through Bailey Special Risks in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY. Coverage is offered on a non-admitted (surplus lines) basis through United States Liability Insurance Group where applicable; agents should place according to their state licensing and surplus lines requirements. Why Work With Bailey Special Risks, Inc. on Special Events Business Wholesale broker expertise that speeds placement for short-term accounts. Access to a dedicated event liability product with liquor and vendor coverage options. Flexible limits (up to 1M/1M) and common event endorsements to meet venue and sponsor requirements. Responsive underwriting focused on practical controls and loss prevention. Example Client Scenarios Example 1: You have a client organizing an outdoor community festival with multiple food vendors and volunteers. The event needs general liability with vendor product liability and volunteer coverage for a two-day weekend. This program can provide tailored limits and optional medical payments. Example 2: An event planning client will host a ticketed fundraising gala with a hosted bar. You can use the program’s optional Host & Commercial Liquor Liability to address alcohol exposure and provide additional insured coverage required by the venue. Frequently Asked Questions What types of events are a good fit for Bailey Special Risks’ Special Events program?Community festivals, weddings, vendor markets, charity fundraisers, concerts, and other short-term events with typical vendor/food service, volunteers, and temporary staff fit well. Events with specialized high-hazard exposures may require additional review. What submission information is required to get a quote?Provide event name, date(s), location, estimated attendance, alcohol service details, a list of vendors/entertainers, security plans, and any venue contract requirements. Loss history and vendor agreements help underwriters assess risk faster. Is liquor liability available and how is it written?Yes. The program offers optional Host & Commercial Liquor Liability coverage. Coverage availability and terms depend on whether alcohol is hosted by the organizer or sold by vendors; underwriting will consider service controls and licensing. Which states is this program available in and how is it placed?This program is available in the listed states (AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, WY). Coverage is provided through non-admitted capacity where applicable; place according to your state filing and surplus lines rules. Need help placing an account? Connect with a market specialist.

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.

Individual Life Insurance Life insurance should be the cornerstone of every well planned family savings plan. Without it the financial strain that the loss of life would put on your family could be devastating. Here are just a few reasons why you need to make sure your plan has enough life insurance protection. If you were to die today...your family may be responsible for: Funeral Expenses Personal and Family Debt Mortgage, Auto Loans, Student Loans and Credit Cards Personal Business Expenses Future Loss of Family Income Future Family Educational Expenses Why make these financial issues a burden on your family? Certainly dealing with the emotional strain would be enough. Don't put off resolving this issue. We all know of too many people who have delayed, only to find out later that they are no longer insurable because of a health issue like diabetes, cancer or a heart condition. Things to Consider... As you know many things change throughout our lives, and our need for Life Insurance changes with them. Consider the following goals: At the great rate of around $500 annually, or lower, your business will get a single policy which includes the following coverages: You are just starting a family and you would like to ensure that your children are able to afford a college education. You have just purchased a new home and you want to make sure that your family can continue to live in that home even if you should pass away. You want to create a plan that allows for protection and offers cash values that can be used to fund your children's education or your retirement. You have assets already earmarked for a spouse, a child, a grandchild or a charity and you would like to dramatically increase those amounts. The right Life Insurance Plan can help you accomplish all of these goals.