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From banquets to festivals and everything in between, your clients need protection from lawsuits, claims of bodily injury and property damage. Midlands has broad access to multiple liability markets, deep industry expertise, and robust risk-management resources. When forces beyond anyone's control—flood, fire, severe weather or other perils—undo months of planning in minutes, agents can place Event Cancellation Insurance through Midlands to protect your clients’ revenue and expenses. Midlands Event Cancellation Insurance insures against loss arising from the cancellation, interruption, relocation or postponement of a covered event. Add Event Cancellation coverage to a Special Event policy or place a stand-alone Event Cancellation policy to protect gross revenue, event expenses and additional costs incurred because of a covered loss. Place your next special event and/or event cancellation risk with Midlands to ensure things go right when things go wrong. Available Coverages: • Liability • Liquor Liability • Event Cancellation • Weather Coverage • Excess • Property • Inland Marine • Spectator Liability • Commercial Auto Program Highlights: • Coverage based on gross revenue or expenses for the event — up to $85 million • Covers net loss and additional costs or charges paid by the insured • Optional extensions for disease outbreak, nonappearance, war risks and terrorism • Fast turnaround with instant quotes and instant policy documents • Coverage available for single events or multi-event schedules • A.M. Best rated “A” carriers available through the program • Competitive pricing and commission structures (varies by market) • Superior claims handling and benefits coordination, including quick referral service • Facility can be added as an additional insured at no extra cost • Large excess limits and hired/non-owned auto available • Short-term or annual policy terms available • Hundreds of eligible classes Available Classes (selected): • Wedding Receptions • Banquets • Auctions • Fairs and Festivals • Golf Tournaments • Inflatable/Moon Walks • Sporting Events and Races (bike, run, walk) • Recitals and Theatre • Educational Seminars and Public Lectures • Boat Shows • Rodeos and Parades • Trade Shows and Booths at Fairs/Shows • Fireworks and Amusement Rides • Fundraising Events and Senior Events • Arts/Craft Shows, Fashion Shows, and Exhibitions • Street/Block Parties and Refreshment Stands • Animal Shows, Dog/Horse Races, and Many More Overview of the Program from Midlands Management Corp This program is designed specifically for agents placing special-event risks who need tailored Event Cancellation protection alongside traditional special-event liability products. Midlands acts as a managing general agency and carrier intermediary, giving you access to multiple admitted and non-admitted markets, fast quoting, and flexible policy options. Ideal Accounts and Appetite Good fits: weddings, community festivals, fundraisers, races, trade shows, recitals, openings, and similar events where revenue or incurred expenses need protection. Appetite: single events and multi-event schedules with limits and coverages scaled to event size — policies available up to large revenue/exposure thresholds (see Program Highlights). Typical restrictions: extremely high-hazard attractions or events with known pre-existing cancellations or prohibited activities may require underwriting review or be excluded. Discuss specific risks with Midlands underwriting for guidance. Coverage Highlights and Advantages Flexible basis of loss: cover based on gross revenue or event expenses, including additional costs to mitigate loss. Optional extensions for disease outbreak, nonappearance and terrorism/war risks to match client exposures. Fast placement: instant quoting and instant policy documents help you bind cover quickly when clients need proof of insurance. Facility-friendly: facility can be added as an additional insured at no extra cost — helpful for venues that require proof before booking. Underwriting Notes and Minimum Premiums Underwriting considers the event type, location, attendance, ticketing/revenue structure, contingency plans, and any high-risk activities. Minimum premiums vary by market and coverage selections. Be ready to provide event revenue/expense estimates, event date(s), cancellation triggers of concern (e.g., weather, nonappearance), and any prior cancellation history when requesting a quote. Territories and Availability Available in many states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Admitted availability varies by state; Midlands places business in some admitted markets and through non-admitted carriers where needed. Why Work with Midlands on Event Cancellation Managing General Agency and carrier relationships that provide wide market access. Quick quoting and policy issuance — designed for time-sensitive event placements. Flexibility to add cancellation coverage to Special Event liability placements or to write stand-alone Event Cancellation policies. Support for complex placements, including large revenue events, excess limits, and specialty extensions. Example Scenarios You have a client planning a weekend outdoor festival with $250,000 in ticket sales and vendor fees — Event Cancellation coverage can protect ticket revenue and certain event expenses if severe weather forces cancellation. An organizer of a multi-day trade show wants coverage for nonappearance of a headline speaker and related lost revenue — optional nonappearance coverage can be added to the cancellation form. How to Submit Business Provide event details, estimated revenue/expenses, event date(s), venue information, and any requested optional extensions. Midlands offers fast turnaround and instant policy documents for eligible risks. Minimum premium: varies by market and coverage. Frequently Asked Questions What types of events are a good fit for this program?Weddings, festivals, fundraisers, trade shows, sporting events, recitals, and similar public or private events where loss of revenue or incurred expenses from cancellation or postponement is a concern. Can this coverage be added to a Special Event liability policy or written stand-alone?Yes. Midlands can add Event Cancellation coverage to a Special Event liability placement or issue a stand-alone Event Cancellation policy, depending on your client’s needs. How quickly can I get a quote and policy documents?Midlands offers fast turnaround with instant quotes and instant policy documents for eligible risks; binding speed depends on underwriting requirements and any optional extensions requested. Are disease outbreak or nonappearance coverages available?Yes. Optional extensions for disease outbreak, nonappearance, and war/terrorism risks are available subject to underwriting and market acceptance. Need help placing an account? Connect with a market specialist.

Admitted A carriers Surplus Lines broker Special Events and Entertainment Insurance from Gagliardi Insurance Services, Inc. Gagliardi Insurance Services, Inc. offers a flexible and comprehensive Special Events and Entertainment Insurance program tailored for agents and brokers seeking to place coverage for a wide variety of one-time or recurring events. With access to top-rated admitted carriers such as Chubb and Philadelphia, and the ability to write through surplus lines when needed, Gagliardi provides solutions for even the most unique or high-risk entertainment exposures. Ideal Accounts and Target Event Types This program is designed for a broad range of events and entertainment-related activities. Whether your client is organizing a single-day wedding or managing a multi-day music festival, Gagliardi Insurance Services has the market access and underwriting expertise to help you secure the right coverage. Target event types include: Festivals, fairs, and parades Fundraisers, conferences, and corporate events Weddings, private parties, and social gatherings Field trips, outings, and guided tours Concerts, theatrical performances, and sports promotions Film and television productions Events involving adverse weather exposure or prize indemnification Example scenarios include a client producing a regional food festival with multiple vendors and live entertainment, or a nonprofit hosting a fundraising gala with 500+ attendees. With Gagliardi, you can confidently place these accounts and more. Coverage Highlights Gagliardi’s Entertainment and Special Events program includes access to the following coverages, available individually or bundled as needed based on the risk: General Liability – Protects against third-party bodily injury and property damage claims Accident/Medical/Dental – Covers participant or attendee injuries during the event Accidental Death & Dismemberment Catastrophic Accident/Medical – For serious injuries with long-term impact Additional specialty coverages such as adverse weather or contingency insurance are also available for events where cancellation or interruption could result in financial loss. Underwriting Notes This program is available on both admitted and non-admitted paper depending on the event type and location. Gagliardi works with A-rated carriers and has the ability to offer coverage on a surplus lines basis when needed. Minimum premium requirements vary by event and coverage type; please contact Gagliardi for underwriting guidelines and quotes. Available States This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, and GA. Gagliardi Insurance Services is licensed to place business in over 45 states, giving you broad access for your clients across the country. Why Partner with Gagliardi Insurance Services? As a Managing General Agency with specialized focus in the events and entertainment sector, Gagliardi Insurance Services brings deep underwriting knowledge and responsive service to help brokers navigate complex risks. Their long-standing relationships with top-tier carriers and flexible program design make them a valuable partner for placing hard-to-place or time-sensitive events. Whether you're handling a straightforward banquet or a complex series of athletic tournaments, Gagliardi offers the tools and expertise you need to deliver tailored insurance solutions quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for short-term or recurring events such as festivals, weddings, concerts, fundraisers, and sports promotions. It also works well for film and television productions and events with special risk needs like adverse weather or prize indemnification. Can coverage be written on a surplus lines basis?Yes, Gagliardi Insurance Services can write coverage through surplus lines when the event type or location requires it. They also have access to A-rated admitted carriers when applicable. Is there a minimum premium requirement?Minimum premiums vary depending on the event type, size, and coverage selected. Contact Gagliardi for specific underwriting guidelines and pricing details. What states is the program available in?This program is available in over 45 states, including CA, NY, TX, FL, IL, and many others. Gagliardi can help you place business across most of the U.S. What coverages are available under this program?Available coverages include General Liability, Accident/Medical/Dental, Accidental Death & Dismemberment, Catastrophic Accident/Medical, and optional add-ons like adverse weather and contingency coverage. Need help placing an account? Connect with a market specialist.

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Fairs bring communities together for entertainment, commerce, and education. Whether the event showcases livestock, local produce, crafts, or includes rides and special attractions, fairs expose organizers to a broad range of risks—crowd injuries, vendor operations, animal-related claims, and third-party property damage. American Specialty Insurance & Risk Services offers a dedicated Fairs Insurance program with coverages and services designed specifically to manage those exposures for organizers, fair boards, and event managers. Eligible Operations for Fairs Insurance County Fairs State Fairs Agricultural Shows Exhibitions Special Events Trade Shows Livestock Shows Festivals Vendors/Exhibitors Program Highlights for Fairs Insurance “Excellent” or higher A.M. Best rated carrier Admitted coverage in all available states Custom program forms and rating for fair operations Non-auditable policies where appropriate 24-hour claims response Dedicated in-house underwriting and claims management Risk management consultation and loss control support Online agent resources and placement tools Program Coverages for Fairs Insurance General Liability Participant Legal Liability Volunteers as additional insureds Contingent fireworks liability Contingent ride liability Excess/umbrella liability Liquor liability Automobile/garage operations Property and equipment coverage Crime and employee dishonesty Employee benefits liability Volunteer accident medical Workers' compensation solutions where needed Deductible / self-insured retention options Why Choose American Specialty for Your Fairs Clients? As a managing general underwriter with long-standing experience in events and entertainment, American Specialty provides a focused program built for fair organizers and event managers. Our in-house team handles underwriting, claims, risk management, and policy administration to give agents a single point of contact from submission through policy servicing. We use program-specific forms and rating so placement is efficient and tailored to this class of business. Typical accounts we place include a multi-day agricultural exhibition with livestock competitions, carnival rides, and food vendors; a county fair with temporary vendors and live entertainment; or a regional trade show with indoor exhibits and contracted contractors. These operations often face mixed exposures—third-party injury, animal and participant liability, and vendor operations—and our program is structured to address them. Policies are available on an admitted basis in all 50 states and the District of Columbia. Minimum premiums vary with event size, scope, and exposures. Whether you need one-time event coverage or annual policies for recurring fairs, our underwriting team can recommend appropriate limits and endorsements. For full program details and agent resources, visit our Fairs Insurance storefront or our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits county and state fairs, agricultural shows, exhibitions, livestock events, festivals, trade shows, and the vendors/exhibitors who participate in them. Is the coverage admitted in all states?Yes. Policies are offered on an admitted basis in all 50 states and the District of Columbia. Can this program cover rides and fireworks?Yes. Contingent ride liability and contingent fireworks liability are available—coverage depends on underwriting review of ride operators and fireworks contractors. Does the program provide coverage for volunteers?Yes. Volunteers can be added as additional insureds, and volunteer accident medical coverage is available as part of the program. Who underwrites and manages the claims?American Specialty underwrites and manages claims, risk control, and policy administration in-house to give agents a single, consistent team for placement and servicing. Need help placing an account? Connect with a market specialist.