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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.

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Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Insurance for Tattoo and Body Piercing Artists Ryan Specialty National Programs offers a specialized Tattoo and Body Piercing Insurance program designed for tattoo parlors, body piercing studios, and related businesses. This program provides access to General Liability, Professional Liability, and Property coverage through an exclusive carrier, along with several optional enhancements to meet the needs of this unique industry segment. As a program administrator with a national footprint, Ryan Specialty understands the risks faced by tattoo and piercing professionals. Whether your clients are artists attending conventions, permanent make-up specialists, or full-service shops offering body jewelry and piercings, this program offers tailored protection with competitive pricing and flexible options. Ideal Accounts and Appetite This program is designed for businesses in the tattoo and body piercing industry, including: Tattoo parlors and studios Body piercing shops Permanent make-up professionals Shops that also sell jewelry or body art accessories Agents can confidently place accounts ranging from small independent shops to established studios with multiple artists. Coverage is also available for professionals who attend industry conventions or offer mobile services. Coverage Highlights and Advantages General Liability: Limits up to $1M/$3M, includes Premises Liability and Products-Completed Operations. Assault and Battery coverage may be available (check with underwriter). Professional Liability: Designed for tattoo and piercing services where artistic and technical errors can lead to claims. Property Coverage: Includes Building, Business Personal Property, Business Income and Extra Expense, with many essential coverage extensions at no additional cost. Optional Coverages: Basic or broad form liability for piercers Coverage for permanent make-up professionals Communicable Disease sub-limits ($25K/$25K up to $100K/$100K) Convention attendance coverage Hired and Non-Owned Auto Liability ($1M) Employee Benefits Liability Underwriting Notes and Minimum Premiums To submit a risk, agents should include: Completed supplemental application Three years of currently valued loss runs Minimum premiums start at: General Liability: $500 Property: $250 This program is underwritten with flexibility in mind, allowing you to match the right coverage to your client's operations and exposures. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and WA. See the complete list of eligible states for more details. The program is written on a non-admitted basis through various carriers. Why Work With Ryan Specialty National Programs? Ryan Specialty National Programs brings niche expertise and underwriting precision to the tattoo and body piercing space. As a program administrator with deep industry knowledge, they can help agents place hard-to-insure businesses with confidence. You can expect responsive service, access to a competitive and flexible product, and support throughout the policy lifecycle. If you have clients in the body art industry looking for tailored insurance solutions, Ryan Specialty's Tattoo and Body Piercing Insurance program is an excellent option. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets tattoo parlors, body piercing shops, permanent make-up artists, and studios that also sell body jewelry or attend conventions. Is coverage available for communicable diseases?Yes, optional communicable disease coverage is available with sub-limit options up to $100,000. Can this program cover piercers performing advanced body piercings?Yes, piercers can choose between basic and broad form liability options, including coverage for advanced piercings such as dermal anchors and surface piercings. What are the submission requirements?Agents must submit a supplemental application and three years of currently valued loss runs. Is the program admitted in any states?No, this program is offered on a non-admitted basis through various carriers. Need help placing an account? Connect with a market specialist.

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Commercial Inland Marine Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a comprehensive Commercial Inland Marine Insurance program designed to meet the needs of businesses with property exposures that move or are not confined to a fixed location. This program is ideal for hard-to-place inland marine risks and provides flexible coverage options for agents and brokers seeking specialized solutions for their commercial clients. Ideal Accounts and Target Classes This inland marine program targets a wide variety of industries and property types. Coverage is available for both small and mid-sized accounts and includes first-dollar coverage options. You can confidently place accounts in the following classes: Accounts Receivable Bailee Coverage Builders' Risk Communication Towers and Equipment Computer Coverage Contractors Equipment Commercial Floaters Dealers Inventory Exhibitions and Fine Arts Furriers Installation Floaters Jewelers Block Medical Equipment Motor Truck Cargo Transportation Equipment Trip Transit Valuable Papers Warehouse Legal Liability Whether your client is a contractor transporting equipment between job sites, a fine art exhibitor, or a medical supply distributor, this program offers tailored solutions to protect their mobile assets. Coverage Highlights and Advantages The Commercial Inland Marine program offers broad, inland marine coverage for property in transit, movable property, and items that are difficult to insure under standard property forms. Coverage includes: Property in transit over land Property under construction Computerized equipment Legal liability for bailees Instrumentalities of transportation and communication Many policies are written on a "floater" basis, providing coverage regardless of the property's location. For clients seeking bundled solutions, a Commercial Package option is available, which includes: Commercial Property General Liability Crime Coverage Business Interruption Underwriting and Premium Flexibility For small and mid-size accounts, First Choice offers first-dollar coverage without high deductibles, making this program accessible for a wide range of business sizes. Premium financing is available, helping your clients manage cash flow while securing the protection they need. Territories and Admitted Status This program is available in a wide range of states, including AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Some admitted markets are available depending on the state and class of business. Why Work With First Choice Insurance Intermediaries, Inc.? As a trusted wholesale broker, First Choice Insurance Intermediaries, Inc. offers access to specialized inland marine markets and underwriting expertise that can help you place complex or mobile property risks quickly and efficiently. Their program is designed with flexibility in mind, ideal for agents and brokers seeking responsive service and comprehensive inland marine solutions across a range of industries. To learn more about the program or to explore appetite for a specific risk, visit the First Choice Insurance Intermediaries company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors, builders, transporters, jewelers, art exhibitors, and businesses with property frequently in transit or located at multiple sites. Is this program available for small businesses?Yes. First Choice offers first-dollar coverage options designed for small and mid-sized accounts, making it accessible for a wide range of business sizes. Does this program include coverage for property under construction?Yes. Builders' Risk coverage is part of the program and is suitable for insuring structures and materials during construction or renovation. Are policies written on an admitted basis?Some admitted markets are available depending on the state and type of risk. Availability varies by jurisdiction and class of business. Which states is the program available in?The program is available in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

Protecting Collegiate Sporting Events with Event Cancellation Coverage Collegiate football and basketball games generate significant revenue for universities, often contributing to funding not only athletic departments but also broader institutional operations. However, these financial streams are vulnerable to disruptions caused by unexpected events. BUA Insurance offers specialized Event Cancellation Insurance tailored for collegiate sporting events to help protect schools from major financial losses due to unforeseen cancellations or disruptions. Ideal Accounts and Appetite This program is designed for major colleges and universities that host revenue-generating sporting events, particularly football and basketball games. If you have clients in the higher education sector that rely heavily on ticket sales, sponsorships, concessions, and media revenue from game day operations, this coverage can be an essential risk management tool. Ideal risks include: Division I, II, or III athletic programs Colleges with large on-campus stadiums or arenas Schools hosting high-profile tournaments or special games Coverage Highlights and Advantages BUA’s ShowDown® Event Cancellation Insurance provides broad protection against a wide range of perils that can impact scheduled collegiate sporting events. Covered causes of loss may include: Adverse Weather Terrorism Communicable Disease Outbreak Civil Unrest Labor Strikes Wildfires Floods Earthquakes Whether it’s a powerful storm flooding the football field or a last-minute civil disturbance shutting down access to campus, this coverage helps ensure your clients are not left absorbing the financial hit of a canceled or postponed event. Underwriting Notes and Minimum Premiums Minimum premiums vary based on event size, number of attendees, location, and other risk factors. BUA works with multiple carriers to find the right fit for your client’s specific exposure. As a Managing General Agency (MGA), BUA provides knowledgeable underwriting support and access to specialized markets that understand the complexities of event risk. Territories and Availability Coverage is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, and WA. BUA offers access to both admitted and non-admitted markets depending on the state and specific event risk. Why Work With BUA Insurance? BUA Insurance is a trusted MGA with deep experience in event-related risks. Their specialized knowledge in collegiate sporting events allows them to assess complex exposures and deliver tailored insurance solutions. With access to multiple carrier partners and a national footprint, BUA is well-positioned to help independent agents and brokers place this niche but critical coverage. You might have a university client hosting a nationally televised football game with tens of thousands of spectators expected. A sudden wildfire in the region could force a last-minute cancellation. Without proper Event Cancellation Insurance, the financial impact could be severe. With BUA, you can offer your clients peace of mind and financial protection. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for colleges and universities that host large-scale football or basketball games that generate significant revenue. What perils are typically covered under this Event Cancellation Insurance?Covered perils may include adverse weather, terrorism, communicable disease outbreaks, civil unrest, labor strikes, wildfires, floods, and earthquakes. Is this program available in all states?BUA offers coverage in most U.S. states, including CA, FL, NY, TX, IL, and many others. Availability may depend on the risk and event details. Are both admitted and non-admitted markets available for this coverage?Yes, BUA has access to both admitted and non-admitted markets depending on the state and specific risk profile. What information is needed to get a quote?Event details such as date, location, expected attendance, revenue projections, and prior event history are typically required for underwriting. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Day Spa Insurance PPIB’s Day Spa Insurance Program is designed to meet the unique liability and property coverage needs of both individual technicians and full-service spa facilities. As a broker or agent, you can place a wide range of spa and wellness accounts through this flexible and comprehensive program. We offer Professional Liability, General Liability, and Property coverage on a non-admitted basis. Whether your client operates a boutique studio or a multi-service day spa, PPIB has coverage options to fit a broad spectrum of treatments and services. Ideal Accounts and Covered Services: This program is ideal for businesses offering personal care, wellness, and aesthetic services. Coverage is available for: Facials and Peels Microdermabrasion Body Contouring and Cellulite Reduction Electrolysis Needling/Collagen Induction Therapy Threading, Waxing, and Sugaring Massage and Hydro Massage Reiki and Endermologie LED/Microcurrent and Radiofrequency Treatments Hair, Nails, and Makeup Airbrush Tanning and Tanning Beds/Booths Eyebrow and Eyelash Enhancements Foot Detoxification LED Teeth Whitening and Hair Stimulation Permanent Makeup Approved Saline & Acid-Based Pigment Removal Additional Coverage Options: Products Liability Sexual Abuse Coverage Communicable Disease Coverage Excess Liability Limits Flexible Program Benefits: PPIB provides tailored solutions that help manage the unique exposures faced by day spas. Whether your client specializes in advanced skin treatments or offers general wellness services, we have the underwriting experience to support a broad range of operations. The program accepts both individual providers and group facilities. Territory and Availability: This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and WA. PPIB currently offers coverage in all states except those where restricted. The program is written on a non-admitted basis. Why Work with PPIB? Professional Program Insurance Brokerage is a trusted program administrator with deep expertise in niche markets. With responsive service, broad underwriting capabilities, and a track record of supporting agents and brokers nationwide, PPIB is a reliable partner for placing your spa-related business. From small individual techs to full-service spas offering cutting-edge treatments, PPIB makes it easy to find the right coverage solution. If you have clients offering a wide range of services—from microcurrent facials to LED hair stimulation—PPIB’s Day Spa Insurance Program offers a streamlined way to place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for individual technicians or full-service day spas offering services like facials, massage, waxing, and aesthetic treatments such as microdermabrasion or body contouring. Is this program available nationwide?The program is available in most U.S. states, including CA, TX, NY, FL, and IL. It is not available in a few restricted states. What types of coverage are included?The program includes Professional Liability, General Liability, and Property coverage. Optional coverages such as Sexual Abuse, Communicable Disease, and Excess Liability are also available. Can I place individual technicians through this program?Yes, coverage is available for both solo practitioners and entire spa facilities, making it flexible for a wide range of business sizes. What services are excluded or not eligible?Highly invasive or medical procedures typically fall outside the scope of this program. Contact PPIB underwriting for clarification on specific services. Need help placing an account? Connect with a market specialist.