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...rance Agency, Inc. offers the Communications Equipment Contractors Program—Res...ractors who focus on residential communications work — TV/cable/satellite inst...

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CONTINUING EDUCATION WITH A CONSTRUCTION FOCUS Are you a retail agent focused on construction-related risks, or looking to build a niche serving contractors, builders, and skilled trades? The Construction Insurance Risk Education (CIRE) Program from Wise Insure and its affiliate, the NationWide Contractors Alliance (NWCA), was created specifically for agents like you. Writing insurance for construction risks is nuanced and different from other commercial lines. Overview of the CIRE Program Wise Insure, in partnership with NWCA and Bison Mountain Financial (BMFCE), offers the Construction Insurance Risk Education (CIRE) Program—a 23-hour continuing education course designed to deepen an insurance professional’s practical knowledge of construction exposures and coverages. CIRE goes beyond policy forms. It focuses on coverage nuances, common exclusions, and practical communication techniques so you can explain complex coverage concepts clearly to contractors who may never have dealt with insurance before. Ideal Participants and Program Format This program is designed for agents and brokers who: Already place commercial construction accounts Want to grow a contractors/builders niche Need continuing education credits and want relevant, real-world training CIRE is offered as live webinars and as online self-study. Content is multimedia-based, so you can listen or review materials between appointments—flexible learning that fits an agent’s schedule. What You’ll Learn The program is organized into six modules covering construction-specific insurance topics, including: Key coverage features for general contractors and subcontractors How contractor operations and workflows drive exposures Common coverage gaps, exclusions, and how to address them Practical communication strategies for explaining coverage to tradespeople and owners Completing CIRE will help you retain existing construction clients and compete more effectively for new accounts by demonstrating subject-matter competence and clearer client communication. Ideal Accounts and Typical Appetite CIRE is especially relevant if your book includes or targets: General contractors, project owners, and commercial builders Common and specialty subcontractors (electrical, HVAC, roofing, concrete, etc.) Smaller specialty contractors progressing into larger projects The course helps you recognize accounts that fit standard markets and those that may require specialty placement, risk control recommendations, or endorsements to address operations-specific exposures. Coverage Highlights and Advantages CIRE emphasizes the coverage features agents need to evaluate contractor risk properly—commercial general liability nuances, builders risk basics, subcontractor relationships, contractor-operations exposures, and communication strategies that reduce misinterpretation of policy language. Two realistic examples where CIRE adds immediate value: You have a residential roofing contractor expanding into small commercial work—CIRE helps you identify new exposures and recommend appropriate endorsements or limits. An established GC requests sublimits and waiver of subrogation language—CIRE provides the tools to evaluate whether those terms are appropriate and how to negotiate them with markets. Underwriting Notes and Minimum Premiums CIRE is an educational program rather than an insurance product; there is no standard minimum premium associated with the course. Use the program to improve placement outcomes when submitting construction accounts to markets that value specialized underwriting and risk-aware insureds. Territories and Availability Wise Insure offers CIRE to agents in the following states: AL, AZ, AR, CO, DE, IA, MD, MO, NE, NV, NC, ND, OK, OR, TN, TX, WA, WV, and WI. Check state CE approval requirements when registering for live or self-study formats. Why Work With Wise Insure on Construction Business Wise Insure specializes in construction-related insurance solutions and understands the operational risks contractors face. Paired with NWCA and the CIRE curriculum developed with BMFCE, Wise Insure provides agents both practical training and access to a resource network that supports placement and retention of construction accounts. For a limited time, a 10% discount is available. Contact Brendon at NWCA for a coupon code. Brendon’s direct line is 360-338-6434. Frequently Asked Questions What types of accounts are a good fit for this program?The CIRE Program is ideal for agents working with general contractors, subcontractors, builders, and specialty trades such as electrical, HVAC, and roofing. Do I need to be currently writing construction insurance to benefit from this program?No. The program is suitable for both experienced agents in the construction niche and those looking to enter or expand into it. How is the CIRE Program delivered?You can participate through live webinars or complete the program at your own pace via an online self-study format. Is this program approved for continuing education credits?Yes, the CIRE Program provides 23 hours of continuing education credits, focusing specifically on construction insurance topics. What makes this program different from other CE courses?CIRE is tailored to construction risks and emphasizes real-world communication strategies with contractors, delivered through multimedia content for flexible learning. Need help placing an account? Connect with a market specialist.

Event Select is RISC's in-house program that delivers modular, event cancellation solutions tailored for promoters, venues and event organizers. RISC Inc. offers this Event Cancellation Insurance program for a wide range of live and ticketed events and can include coverage for disease outbreak and many adverse weather scenarios when eligible. The program is placed through Lloyd’s of London and is administered by RISC as a Managing General Agency. Overview of the Program from RISC Inc. Event Select is built for agents who need a flexible event cancellation product that can be structured on either a gross revenue or an expense basis. Coverage includes standard perils such as extreme weather and damage to premises, and an optional communicable disease module is available where permitted. Limits are available up to $10 million (higher limits available upon request). Ideal Accounts and Appetite Concerts and touring shows Trade shows, conventions and exhibitions Festival and fair organizers Art & antique shows and corporate meetings Outdoor events including golf outings (specialized wording available) Best fit: single-event and annual series with clear revenue or expense exposure, documented ticketing or contracts, and professional event management. RISC typically declines accounts with unresolved prior losses, poorly documented contracts, or highly speculative/volatile formats without loss-mitigation plans. Coverage Highlights and Advantages Triggers include extreme weather (blizzard, hurricane, earthquake, flood, tornado), damage to premises, airline delays, cancellation of keynote speakers, national mourning, and more. Communicable disease option available where allowed. Coverage for curtailment, enforced reduced attendance, and failure to vacate. Labor dispute coverage (cancellation or interruption due to industrial action). Terrorism sub-limit of $750,000 included. Limits up to $10 million; higher limits considered on referral. Underwriting Notes and Minimum Premiums Minimum premium: $1,500. Underwriting focuses on the event schedule, historical attendance or revenue, ticketing and refund policies, contracts with suppliers and talent, contingency plans, and loss history. Provide the event summary, estimated gross receipts or anticipated expenses, key contracts (venue, talent, vendors), and any existing cancellation/rider language when submitting. Territories and Availability Available (non-admitted placement through Lloyd’s) in the following states and territories: 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 RISC Inc. on Event Cancellation Program underwriting tailored to event risks and promoter needs. Access to Lloyd’s capacity for high-limit placements and specialty exposures. Flexible wording for outdoor events and special exposures like communicable disease. Direct MGA support to help you structure submissions and clarify coverage triggers. Example scenarios: You have a client promoting a weekend music festival with projected gross receipts of $750,000 — Event Select can be quoted on a gross revenue basis with options for communicable disease and weather triggers. A regional trade show organizer seeking coverage for exhibitor fees and venue expenses after a keynote speaker cancellation — RISC can offer wording that includes speaker cancellation and enforced reduced attendance. Contact RISC today to discuss placement or to request sample wordings and submission requirements: www.gorisc.com 214-954-0707 Frequently Asked Questions What types of events are a good fit for Event Select?Events with documented revenue or expense exposure and formal contracts are ideal — concerts, festivals, trade shows, conventions, exhibitions and corporate meetings are typical fits. Outdoor events can be accommodated with specialized wording. Is communicable disease coverage available?Yes — a communicable disease option is available where allowed by state regulations. Availability and terms depend on the event details and jurisdiction. What is the minimum premium and typical limits?The program has a minimum premium of $1,500. Limits are available up to $10 million, with higher limits available on referral to Lloyd’s capacity. What information does RISC require with a submission?Provide an event summary, estimated gross receipts or estimated expenses, copies of venue/talent/vendor contracts, the event schedule, and any loss history. Clear documentation speeds underwriting and quoting. How quickly can coverage be quoted or bound?Timing depends on the completeness of the submission and the complexity of the risk. Simple, well-documented single-event submissions are often quoted more quickly; complex or high-limit placements may require additional underwriting review with Lloyd’s capacity. Need help placing an account? Connect with a market specialist.

... in the media, marketing, and communications sectors. Target classes include: ...

Every industry association, professional group, or trade organization relies heavily on its annual trade shows for visibility and revenue. These events often represent a substantial portion of an organization’s operating budget. When a trade show is unexpectedly canceled, postponed, or interrupted, the financial repercussions can be significant. BUA Insurance understands the unique risks trade shows face and offers a specialized solution: ShowDown Event Cancellation Insurance. With years of experience in insuring everything from heavy machinery expos to quilting conventions, BUA has developed a deep understanding of the event space and the exposures that come with it. Ideal Accounts and Appetite BUA’s Event Cancellation Insurance program is designed for a broad range of trade shows and industry events. This includes, but is not limited to: Industry trade shows and expos Professional association conventions Consumer-facing exhibitions Specialty or niche market shows (e.g., hobbyist expos, technology conventions) Whether your insured is a regional association hosting a small conference or a national organization putting on a multi-day event, BUA can help provide the coverage needed to protect their financial interests. Coverage Highlights and Advantages BUA’s ShowDown Event Cancellation Insurance can respond to a wide variety of event disruptions, including: Cancellation Abandonment Postponement Curtailment Interruption Relocation Reduced Attendance Failure to Vacate the Venue Covered perils may include: Adverse Weather (hurricanes, snowstorms, floods, etc.) Blackouts or utility failures Venue damage (fire, structural issues, etc.) Civil commotion and protests Communicable diseases (e.g., SARS, Bird Flu, Swine Flu) Transportation disruptions Strikes and labor disputes Earthquakes and natural disasters This is ideal coverage for associations and event organizers who have significant non-refundable expenses and revenue expectations tied to ticket sales, exhibitor fees, or sponsorships. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size, scope, and location of the event. BUA works with multiple carriers to provide competitive options and flexible solutions. As a Managing General Agency (MGA), BUA can tailor underwriting to meet specific event exposures and timelines. Key underwriting considerations include: Event location and venue details Estimated gross revenue and expenses Number of attendees and exhibitors Event duration and contingency plans Territories and Availability BUA’s Event Cancellation Insurance program is available in most U.S. states, including 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, and WY. Some admitted markets are available depending on location and risk profile. Why Work With BUA BUA brings decades of experience and a deep bench of carrier relationships to the table. Their expertise in event-specific insurance allows agents and brokers to confidently place trade show risks, knowing that both common and complex disruptions can be addressed. The ShowDown program is backed by responsive underwriting, knowledgeable support, and broad market access. You might have a client who organizes an annual manufacturing expo with hundreds of exhibitors and international attendees. Or perhaps a regional association planning a seasonal conference vulnerable to winter storms. These are the types of accounts BUA is well-positioned to support. Frequently Asked Questions What types of accounts are a good fit for this program?Trade shows, expos, conventions, industry conferences, and association events of all sizes are a good fit. BUA can accommodate both niche and large-scale events. Does this program cover communicable diseases like COVID-19?Coverage for communicable diseases such as SARS, Bird Flu, and Swine Flu is available. COVID-19-related coverage may be considered depending on carrier guidelines and underwriting. What types of disruptions are covered?The program can cover cancellation, postponement, interruption, reduced attendance, and more due to perils like weather, civil unrest, venue damage, and transportation issues. Is coverage available on an admitted basis?Some admitted markets are available, depending on the risk and location. BUA works with multiple carriers to find the best fit for each account. What information is needed to get a quote?Key underwriting details include event dates, location, expected revenue and expenses, attendee numbers, and contingency planning. BUA’s team can assist with the submission process. Need help placing an account? Connect with a market specialist.

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