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Stockthroughput Insurance Commercial Sector Insurance Brokers offers a Stockthroughput Insurance program that combines inventory/storage exposures and transit (cargo) exposures into a single, streamlined policy form. Coverage is written on an All-Risk basis and can include Wind, Flood and Earthquake upon request. The product is designed for agents who need a simple, flexible solution for goods that move through multiple stages — from raw materials through production to delivery to the customer. Product highlights Profit commission dividend paid directly to the insured by underwriters after the first year and upon renewal Low deductibles to reduce client out-of-pocket exposure Coverage for power outage losses affecting perishable goods (from any cause) Any type of goods considered — from perishables to durable goods and specialty items Simplified stock form — no routine reporting forms required for ordinary inventory Coastal risks are welcome; tailored wording available for marine exposure International transit and import/export coverage available Product protected from raw material stage through production and final delivery Minimum premium: $5,000 Inland marine and building coverages can be coordinated so unappealing stock does not force unattractive building terms Sample risks written Seafood wholesalers and processors Tobacco cooperatives and wholesalers Importers of antiques and specialty goods from Europe Importers and distributors of frozen food Book distributors and publishers Lumber and building product wholesalers Wine importers and distributors Window and door manufacturers Clothing and textile manufacturers Gun distributors (subject to underwriting parameters) Accounts that need both Inland Marine and building solutions Overview of the program from Commercial Sector Insurance Brokers This program is underwritten by multiple specialty markets (4+ carriers) accessible through Commercial Sector Insurance Brokers. It is set up to give retail agents a single policy to manage inventory-at-rest and inventory-in-transit without duplicative reporting. Underwriters are experienced with hybrid inland marine/cargo risks and routinely tailor terms to production flows, seasonal peaks, and international shipments. Ideal accounts and appetite This program fits clients who: Maintain inventory that regularly moves between suppliers, production sites and customers Require protection for perishable stock sensitive to power outages Import or export goods and need combined transit and storage coverage Operate in coastal areas or have complex logistics chains Typically acceptable: wholesalers, processors, importers, distributors, and manufacturers with standard storage practices. Higher-risk classes, unusual storage conditions, or extremely high single-location values should be discussed with underwriting before submission. Coverage advantages Single policy covers both inland transit and stock, simplifying claims and administration All-risk wording with optional catastrophic cover extensions (Wind/Flood/EQ) where needed Profit commission dividend feature can improve client retention and net cost Simplified reporting reduces administrative burden for both agents and insureds Underwriting notes and minimums Minimum premium for the program is $5,000. Underwriting evaluates product type, storage conditions, transit modes, loss history, and seasonal exposure. Coastal and international risks are acceptable but require details on warehousing, inland transit procedures, packaging, and refrigeration for perishables. Provide photos of storage, basic logistics procedures, and most recent loss runs to accelerate review. Territories and licensing This program is available on a non-admitted basis (not admitted in any state) and can be bound in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. Confirm any state-specific requirements with Commercial Sector prior to submission. Why work with Commercial Sector Insurance Brokers Commercial Sector brings focused wholesale market access and hands-on underwriting support for hybrid stock/transit placements. The team works closely with retail agents to tailor limits, deductibles, and extensions for complex supply chains. Fast submissions with clear documentation often result in quicker quotes and binding decisions through multiple specialty markets. Example account scenarios You have a seafood processor that stocks inventory in refrigerated warehouses and ships nationally — this program can combine their storage and transit exposures, including coverage for power outage spoilage. You represent an importer of premium wine who needs combined inland marine transit coverages and short-term storage protection while goods clear customs — the Stockthroughput form simplifies placement and reporting. For submissions, include a description of operations, values by location, transit modes, packaging and refrigeration protocols (if applicable), and recent loss history. Commercial Sector underwriters will evaluate and respond with tailored wording and market options. Frequently Asked Questions What types of accounts are a good fit for the Stockthroughput program?Accounts that combine storage and transit exposures — wholesalers, importers, processors and manufacturers that move goods between suppliers, production sites and customers. Perishable goods and coastal importers are commonly placed. Is this program admitted or non-admitted?This program is offered on a non-admitted basis (not admitted in any state). Confirm state-specific placement requirements with Commercial Sector before binding. What information should I include with a submission?Provide a description of operations, inventory values by location, transit modes and routes, packaging/refrigeration procedures (if applicable), and recent loss runs. Photographs of storage conditions and descriptions of business interruption exposures help underwriters price efficiently. Need help placing an account? Connect with a market specialist.

Extra Expense Insurance — Entertainment Pro Insurance Let the experts at Entertainment Pro Insurance help you place Extra Expense Insurance for motion picture, television, theatrical, music, broadcasting and special events productions. Our Extra Expense coverage reimburses the production company for additional expenses necessary to complete principal photography when a declared production is disrupted by loss, damage, or destruction of property or facilities contracted for the production. Overview of the Program This program is designed for production-related accounts that need coverage to bridge the cost of rescheduling, re-shoots, expedited shipping, temporary facilities, or other immediate expenses required to keep a production on track after a covered physical loss. Entertainment Pro Insurance places this coverage through multiple admitted and non-admitted markets and works with agents nationwide. Ideal Accounts and Appetite Independent film and television productions (feature films, episodic TV, streaming content) Commercial shoots, music video productions, and theatrical tours Broadcast and live event productions with rented facilities or specialized third-party vendors Typical fits are productions with clearly declared production schedules, defined budgets, and contracted facilities or key rental equipment. We generally prefer accounts with experienced production teams, documented production schedules, and risk mitigation plans. Accounts with high-risk stunts, uninsured key vendors, or inadequate continuity plans may require additional underwriting review or exclusions. Coverage Highlights and Advantages Reimbursement for extra expenses incurred to complete principal photography after a covered loss Flexible wording tailored to production schedules and production-specific vendors Access to multiple carrier markets through our wholesale broker relationships Program knowledge specific to motion picture, television, music, and live events Underwriting Notes and Minimum Premiums Underwriting focuses on the production budget, shooting schedule, vendor contracts, and mitigation plans (e.g., backup locations, duplicate negative/video storage, continuity procedures). Minimum premium: varies by carrier and state—please submit production details and budget for a tailored quote. 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. Positioning: All Available Markets. Why Work With Entertainment Pro Insurance As a specialty wholesale broker, Entertainment Pro Insurance brings production-specific underwriting expertise and access to multiple markets. We work with agents to structure wording that aligns with production schedules and vendor obligations, and we can help place complex risks including rented equipment, third-party property exposures, and contingent coverages. You’ll get hands-on support from underwriters familiar with the entertainment industry and practical guidance on documentation and submissions that increase placement success. Example Account Scenarios You represent a mid-budget independent film that faces potential extra costs to rebuild a damaged set and hire additional crew time to finish a location shoot—this program can respond for the extra expenses necessary to complete principal photography. You have a client producing a live broadcast who needs coverage for expedited shipping and rental replacements when critical rented equipment is damaged during rehearsals—Extra Expense coverage can reimburse eligible, reasonable costs to keep the production on schedule. Sharon Emmons, Owner Entertainment Pro Insurance 9645 Padre Peak Court Las Vegas, NV 89178 (702) 639-3997 - Phone (702) 639-3994 - Fax Motion Picture, Television, Theatrical, Music, Broadcasting and Special Events Frequently Asked Questions What types of productions are a good fit for this Extra Expense program?This program fits feature films, episodic television, commercials, music videos, live broadcasts and special events that have defined production schedules, vendor contracts, and documented budgets. Productions with professional production management and backup plans place best. What submission information helps speed placement?Provide the production budget, shooting schedule, list of contracted vendors and locations, details of rented equipment, loss control/continuity plans, and a description of any key exposures (stunts, special effects, overseas shoots). The clearer the documentation, the quicker we can obtain quotes. Are there common exclusions or restrictions I should expect?Common underwriting concerns include uninsured key vendors, inadequate continuity storage for negatives/tapes, high-risk stunts without controls, and unclear vendor contracts. These items may lead to endorsements, higher terms, or declination depending on the carrier. Need help placing an account? Connect with a market specialist.