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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...

...t relies on frequent outbound communications — calls, letters, emails, and fax...ntain exclusions for unsolicited communications. While those exclusions target...

...ed access of their electronic communications and signaling systems. Whether yo...sinesses that rely on electronic communications—professional services, tech fi...

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.

CONTINUING EDUCATION WITH A CONSTRUCTION FOCUS Are you a retail agent with a current focus on construction-related risks? Or are you looking to build out a niche in contractors, builders, and skilled trades? The Construction Insurance Risk Education (CIRE) Program from Wise Insure and its affiliate, the NationWide Contractors Alliance (NWCA), is designed specifically for you. Writing insurance for construction risks is nuanced, and often different from other commercial risks. Overview of the CIRE Program Wise Insure, in partnership with NWCA and Bison Mountain Financial (BMFCE), has developed the Construction Insurance Risk Education (CIRE) Program—a 23-hour continuing education initiative built for insurance professionals who want to deepen their expertise in construction insurance. The program dives into the coverage nuances that are essential to effectively serving contractors. It’s not just about understanding policy forms—it’s about learning how to communicate coverage concepts in ways that resonate with contractors, even if they’re unfamiliar with insurance terminology. Ideal Participants and Program Format This program is ideal for agents and brokers who: Already write commercial construction accounts Want to enter or grow in the contractor and builder niche Need CE credits and want relevant, real-world training CIRE is available in two easy-to-access formats: live webinars or online self-study. The content is multimedia-based, allowing you to listen or review materials between appointments—flexible learning designed with your schedule in mind. What You’ll Learn The CIRE Program is divided into six modules, each focused on specific construction-related insurance topics. These include: Key coverage points for general contractors and subcontractors Communication strategies with construction clients Identifying common gaps and exclusions in construction insurance Understanding contractor operations and risk profiles By the end of the program, you’ll be better equipped to retain existing construction clients and compete more effectively for new accounts. Available States Wise Insure offers this program 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. Why Partner With Wise Insure Wise Insure specializes in construction-related insurance solutions and understands the complexity of this market. The CIRE Program is another example of the company's commitment to helping agents succeed in this space. With the added support of NWCA, you gain access to a trusted resource network and expert guidance tailored to construction risks. For a limited time, a 10% discount is available. Contact Brendon at NWCA for a coupon code valid through 9/30/21. 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.

Professional Program Insurance Brokerage (PPIB) offers: Tattoo & Body Piercing Insurance. As a program administrator with decades of experience in niche markets, Professional Program Insurance Brokerage (PPIB) delivers tailored insurance solutions for the body art industry. Our Tattoo & Body Piercing Insurance program is designed to meet the unique risks faced by tattoo artists, body piercers, and shop owners across the country. Ideal Accounts and Appetite This program is ideal for: Independent tattoo artists and body piercers Full-service tattoo and piercing studios Shops operating mobile units or attending conventions Facilities offering permanent makeup or advanced body modifications Businesses with apprenticeship programs or that serve minors (where legally permitted) Whether your client is a single artist renting a booth or a multi-operator shop with multiple service offerings, this program can provide the comprehensive protection they need. Coverage Highlights and Advantages Our comprehensive coverage options help insureds manage a broad range of exposures common in the body art industry. Available coverage includes: Professional Liability – Protects against claims arising from the rendering of tattoo and piercing services. General Liability – Covers third-party bodily injury and property damage. Property Coverage – Optional coverage for the studio’s equipment and premises. Communicable Disease – Optional protection for claims resulting from disease transmission allegations. Sexual Abuse & Molestation – Available for qualified accounts. Coverage Extensions – Includes apprentices, landlords, mobile units, and event/convention exposures. We understand the nuances of the body art world, and our program reflects that with broad eligibility and flexible coverage options. Underwriting Notes This is a non-admitted program available in most states. Submissions should include a completed application and details of services offered. Coverage for minors, advanced procedures, or mobile units may require additional underwriting information. Territories and Availability This program is available in nearly every state, including but not limited to CA, NY, TX, FL, IL, and WA. We currently write business in all 50 states and the District of Columbia. Why Work With PPIB? PPIB has been a trusted partner to insurance agents and brokers for over 25 years, offering specialized programs that meet the needs of unique industries. Our in-depth knowledge of the tattoo and piercing space allows us to underwrite with insight and flexibility. We streamline the process so you can get your clients covered quickly and confidently. Contact Professional Program Insurance Brokerage (PPIB) for all your Tattoo & Body Piercing Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for tattoo and piercing shops, independent artists, mobile operators, and studios offering permanent makeup or advanced body modifications. Is coverage available for tattooing or piercing minors?Yes, coverage for services provided to minors can be included, subject to underwriting review and local legal requirements. Can this program cover mobile units and conventions?Yes, we offer options to cover mobile units and participation in events or conventions, making it suitable for traveling artists and vendors. What coverages are included in the policy?The program typically includes Professional and General Liability, with optional Property, Communicable Disease, Sexual Abuse, and other key endorsements. In which states is this program available?This is a nationwide program available in all 50 states and Washington, DC, on a non-admitted basis. Need help placing an account? Connect with a market specialist.

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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.