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Vision Insurance Administration Capabilities All of the key features of our administration system, for the performance of rating, enrollment, billing, cash receipts, posting, delinquency tracking, agent commission calculations, financial reporting, and more, are also available for the support of vision and prescription drug programs, whether sold as individual, group, or voluntary contracts. Functionality that may be of special value in handling vision and prescription drug policies include: User-definable plans carrying unique data regarding underwriting carrier, policy number, plan year period, certificate issue flags, and other elements which allow these coverages to be handled as a mainstay, or as ancillary to a primary product line. Ability to have any number of insurance carriers underwrite different policies, to support various geographic areas or other parameters, and to bill on a consolidated invoice. Flexibility in rating by product using rate tables or composite premiums. Rate tables allow for geographic loads, rating by number of children, and other routines. Ability to self-fund by product type or plan code while other coverages are fully-insured. Certificate issue with ID cards carrying data such as dependent age limit, deductible amount, benefit expiration date, (as opposed to a termination date,) and other information valuable for benefit verification. Carrier and group numbers that automatically feed to interface files for transfer of eligibility to a third-party. Claims Capabilities Our vision and prescription drug claims system provides additional features especially designed to increase accuracy and efficiency including: User defined maximum number of services, maximum benefits, daily allowances, co-pays, coinsurance levels, deductibles and other parameters by type of service, Capture of codes to distinguish eye exams and rechecks including the number of months during which services are valid. Provisions for dual- and triple-option PPO/EPO capabilities, giving you complete flexibility to link benefits to a preferred or exc lusive provider, and increase or reduce both benefit allowances and plan provisions based on point-of-service. The flexibility to combine benefits and deductibles under a common accumulator with medical plans, or to distinguish these services as a separate plan. User-defined cause codes (three-digit alphanumeric field) that let you classify claims activity in a meaningful way, and report on all your claims experience. Seamless, real-time integration with our administration system so the current eligibility status of each insured is recognized immediately as changes are made.

Prescription Drugs Administration Capabilities All of the key features of our administration system, for the performance of rating, enrollment, billing, cash receipts, posting, delinquency tracking, agent commission calculations, financial reporting, and more, are also available for the support of vision and prescription drug programs, whether sold as individual, group, or voluntary contracts. Functionality that may be of special value in handling vision and prescription drug policies include: User-definable plans carrying unique data regarding underwriting carrier, policy number, plan year period, certificate issue flags, and other elements which allow these coverages to be handled as a mainstay, or as ancillary to a primary product line. Ability to have any number of insurance carriers underwrite different policies, to support various geographic areas or other parameters, and to bill on a consolidated invoice. Flexibility in rating by product using rate tables or composite premiums. Rate tables allow for geographic loads, rating by number of children, and other routines. Ability to self-fund by product type or plan code while other coverages are fully-insured. Certificate issue with ID cards carrying data such as dependent age limit, deductible amount, benefit expiration date, (as opposed to a termination date,) and other information valuable for benefit verification. Carrier and group numbers that automatically feed to interface files for transfer of eligibility to a third-party. Claims Capabilities Our vision and prescription drug claims system provides additional features especially designed to increase accuracy and efficiency including: User defined maximum number of services, maximum benefits, daily allowances, co-pays, coinsurance levels, deductibles and other parameters by type of service, Capture of codes to distinguish eye exams and rechecks including the number of months during which services are valid. Provisions for dual- and triple-option PPO/EPO capabilities, giving you complete flexibility to link benefits to a preferred or exclusive provider, and increase or reduce both benefit allowances and plan provisions based on point-of-service. The flexibility to combine benefits and deductibles under a common accumulator with medical plans, or to distinguish these services as a separate plan. User-defined cause codes (three-digit alphanumeric field) that let you classify claims activity in a meaningful way, and report on all your claims experience. Seamless, real-time integration with our administration system so the current eligibility status of each insured is recognized immediately as changes are made.

Garage Insurance — Ashley General Agency Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500. Ideal Accounts and Appetite This program is built for a broad range of garage-related risks. Typical classes we underwrite include: Auto repair shops and general auto repair Used auto sales / internet auto sales Dealers (including dealer physical damage and garagekeeper exposures) Auto parts sales and installation Car washes Mobile auto repair and towing-related operations RV, motorcycle, scooter, and golf cart sales & repair Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review. Coverage Highlights and Advantages Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg. Dealer physical damage and garagekeeper coverage offered up to $1,000,000. Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles. Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales. Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements. Underwriting Notes and Minimums Minimum driver age is 18 for program eligibility. Minimum premium: approximately $500 (final premium subject to underwriting and state rules). We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements. Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles. Territories and Admitted Status This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission. Why Work With Ashley General Agency Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit. Example Accounts That Fit This Program A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits. A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget. For more information on our Garage program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories. What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review. What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms. How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation. Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission. Need help placing an account? Connect with a market specialist.

Whether for small groups or large groups, self-insurance is often a reasonable alternative to a fully-insured employee benefit program. To be successful, plan administrators need an efficient, easy-to-use system, providing timely plan data and quantitative analyses to make quality decisions. The state-of-the-art software solutions from Apex Data Systems deliver this level of quality and support to Third Party Administrators, Associations, Self-Administering Employers, and other entities challenged with handling the full administration and claims responsibilities of a self-funded trust. No matter how small the organization, to have a strong plan requires a strong system that offers flexibility, accuracy, and full functionality. While also available modularly, the complete systems from Apex Data Systems encompass both administration and claims features delivering a total solution for both professional plan administrators and self-administered groups. Administration Capabilities Apex Data Systems' approach to administration of self-funded programs is not a "watered-down" version, but rather a complete software solution. It includes all the features, if needed, to handle the details of plan design, underwriting, rating, enrollment, billing, cash receipts, posting, delinquency tracking, agent commission processing, renewals, financial reporting, and more. Functionality of special interest to self-funded plan administrators and self-administered groups includes: Ability to support multiple plans and cafeteria selection of benefits at the employee and dependent level. Ability to define contributory and non-contributory programs. User-definable plans carrying unique data fields regarding funding vehicle, reinsurance carrier, policy number, plan year period, certificate issue flags, and other elements that allow these records to define self-insured, reinsured, and fully-insured products. Ability to self-fund by product type or plan code while other coverages are fully-insured, and to have any number of insurance carriers underwrite different contracts, to support the various products offered under an employee benefit program. Consolidated billing on a single invoice for health or other self-funded contributions, specific and aggregate premiums, and life insurance or other fully-insured plan premiums. Administration fee billing combined with or separate from contributions toward a claim fund. Summary Plan Descriptions with ID cards carrying data critical to benefit verification. Census data, enrollment information, and the ability for user defined data mining via ad-hoc query. Analysis reporting of contributions, premiums, financial figures and data for 5500's. Claims Capabilities Available as a part of the consolidated system, or as a standalone module with full eligibility maintenance, the Apex Data Systems claims adjudication system documents claims activities, protects against excessive claims payments, and supports faster and more accurate claims services designed to meet the users' needs. Highlighted features include: Capture of underlying and overlaying plans of benefits for liability of trust versus re-insurer. Monthly reports to manage the plan by line of coverage and employee utilization. Plan design flexibility to match previously insured benefits or suit the user's unique needs. Claims lag reports which detail the time between treatment, the dates claim materials were first received and last received, and the date the claim was paid. User defined maximum number of services, maximum benefits, daily allowances, co-pays, coinsurance levels, deductibles and other parameters by type of service or benefit code. Provisions for preferred and exclusive provider organizations. User-defined cause codes (three-digit alphanumeric field) that let you classify claims activity in a meaningful way, and report on all your claims experience. Complete pending and correspondence support. Seamless, real-time integration with our administration system so the current eligibility status of each insured is recognized immediately as changes are made. Capture of claims information regarding specific and aggregate stop-loss provisions. Automatic alerts when the claim reaches user defined reinsurance reporting point and the actual reinsurance attachment point. Claim check issuance with provider batch payment feature and check reconciliation. Worksheet history for submission to reinsurance carriers. Full claims analysis reports including incurred and paid claims, lag studies, reinsurance reporting, and catastrophic losses by incurred, incurred and paid and paid dates. Standard and ad-hoc reporting is available to support cash flow analysis and monitor reserves.

CoverXSpecialty’s Life Sciences Insurance program is designed for agents placing product, professional and general liability for manufacturers, clinical sponsors, contract organizations and other life-science operations. This market focuses on science-driven exposures — pharmaceuticals, biologics, medical devices, contract manufacturers, CROs, clinical trial sponsors, durable medical equipment and dietary supplements — and offers tailored forms, capacity and underwriting for those risks. Overview of the Program As a general agency and carrier program, CoverXSpecialty provides a focused Life Sciences Insurance solution that balances industry knowledge with flexible placement options. The program provides both primary and excess limits (capacity up to $5,000,000) and makes available product/completed operations, professional liability and general liability coverage appropriate to manufacturing, research, clinical and distribution operations. Ideal Accounts and Appetite Target risk size: Accounts up to $1 billion in revenue; start-ups and early commercial companies are acceptable when supported by strong risk management and regulatory controls. Target classes include: Pharmaceuticals (including biologics) Contract manufacturers Generics (prescription and OTC) Clinical trial sponsors and investigators Contract research organizations (CROs) Durable medical equipment suppliers Medical devices (FDA Class I and II) Dietary supplement manufacturers and distributors Typical fits are clients with documented quality systems, clear supply chains, and well-defined clinical or manufacturing protocols. Accounts with complex global distribution, significant recall history, or high-risk Class III devices may require specialized placement and are reviewed on a case-by-case basis. Coverage Highlights and Advantages Capacity: up to $5,000,000 available for primary or excess policy limits. Coverage forms: Products/Completed Operations and Professional and General Liability; products and professional coverage usually written on a claims-made basis while other general liability coverages are provided on an occurrence basis. Defense provisions: Defense within the limit for claims-made coverages; defense in addition to the limit for occurrence coverages. Contractor/vendor features: Automatic Additional Insured status for life science contractors, sites, investigators and vendors where appropriate. Underwriting experience: Underwriters familiar with FDA-regulated products, clinical trial exposures and GMP/GCP risk controls. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, regulatory status, quality systems, distribution channels, clinical trial protocols and loss history. Required submission items often include completed applications, current loss runs, regulatory/clearance documentation (e.g., FDA status), product lists and descriptions of manufacturing controls or trial oversight procedures. Minimum premiums and terms vary by account and carrier — submit for quote to get state-specific pricing and eligibility. Territories and Admitted Status Program availability: 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, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status: No States. Coverage is generally placed on a non-admitted/surplus lines basis; confirm state eligibility and filing requirements at submission. Why Place Life Sciences Business with CoverXSpecialty CoverXSpecialty combines specialized underwriting expertise in life sciences with programmatic flexibility for both start-ups and established manufacturers. Agents benefit from access to tailored forms, automatic additional insured language for contractors and targeted capacity up to $5M. Underwriters understand clinical and regulatory exposures, which speeds accurate risk assessment and improves quote quality. Example scenarios you might place here: a mid-sized contract manufacturer seeking primary products liability and professional liability for contract sterile fills; a CRO sponsoring multi-site clinical trials needing limits for investigator and vendor exposures; or a small medical device company with Class II devices requiring product liability and recall-response underwriting. Submission Tips Provide complete applications and recent loss runs (minimum 5 years if available). Include product descriptions, FDA or regulatory status, manufacturing/quality procedures and distribution territories. For clinical trials, include study protocol overview, investigator qualifications and monitoring procedures. Flag any prior recalls, regulatory actions or product liability claims up front to avoid delays. Frequently Asked Questions What types of accounts are a good fit for CoverXSpecialty’s Life Sciences program?Accounts with pharmaceutical, biologic, device, CRO, clinical trial sponsor or contract manufacturing exposures are a good fit, especially when they can demonstrate quality systems, regulatory oversight and clear distribution channels. The program accepts start-ups through larger companies (up to $1B revenue). What limits and coverage forms are available?CoverXSpecialty offers up to $5,000,000 in primary or excess limits. Products and professional liability are typically provided on a claims-made basis; other general liability coverages are provided on an occurrence basis. Defense is within the limit for claims-made and in addition to the limit for occurrence coverages. Is this program admitted in all states?The program’s admitted status is listed as “No States,” so placements are generally non-admitted/surplus lines. Availability is shown for specific states; confirm state eligibility and filing requirements at submission. What information does underwriting need for an efficient quote?Provide completed applications, recent loss runs, product lists, regulatory/FDA status, manufacturing or clinical protocols, quality control processes and details on distribution. Early disclosure of recalls or regulatory actions helps speed the review. How long does a typical quote turnaround take?Turnaround varies by complexity but simple, well-documented submissions often receive an initial response within 7–14 business days. Complex manufacturing or international distribution risks may take longer. Need help placing an account? Connect with a market specialist.

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Amateur Sports Insurance Program from AI Risk AI Risk offers a specialized Amateur Sports insurance program designed for organizations that manage, sponsor, or participate in organized amateur athletic activities. As a Managing General Agency and Carrier with access to AIG, AI Risk provides tailored coverage solutions to meet the unique exposures of amateur sports operations. This program is available in all 50 states and Washington, DC. Ideal Accounts and Appetite This program is ideal for a wide range of amateur sports-related organizations, including: Local and regional sports clubs Independent teams and leagues Sports event organizers and sponsors Athletic participants and officials Coaches and volunteer staff Whether it’s a youth soccer league, an adult softball team, or a nonprofit sponsoring weekend tournaments, AI Risk can help you place these accounts with confidence. The program is designed to support both recreational and competitive amateur sports activities. Coverage Highlights and Advantages The Amateur Sports program offers comprehensive General Liability coverage on an ISO "occurrence" form. This includes protection for bodily injury, property damage, and personal injury arising out of sponsored activities such as: Practices, training sessions, and competitions Fundraising events and public promotions Concession operations and office exposures Optional coverages are available to further enhance protection, including: Participant Accident Insurance Directors and Officers (D&O) Liability Sexual Molestation Coverage This flexible program allows agents to tailor policies based on the specific risks of each insured organization. Underwriting Notes and Minimum Premium The minimum premium for General Liability coverage is $2,500. This includes Participants Legal Liability, Spectators Legal Liability, and the option to include Sexual Molestation coverage. AI Risk underwrites with a focus on well-organized and properly supervised amateur sports operations. Accounts with strong risk management practices and clearly defined roles for participants, coaches, and volunteers are preferred. Territories and Availability This program is available in all 50 states and Washington, DC. Whether your client is based in California, Texas, New York, or anywhere in between, AI Risk can support your placement needs with admitted solutions where applicable. Why Work With AI Risk? AI Risk brings deep expertise in underwriting amateur sports exposures. As both a Managing General Agency and Carrier, AI Risk offers competitive and customizable solutions backed by AIG’s financial strength. You’ll benefit from responsive service, underwriting support, and a partner that understands the unique risks involved in amateur athletic programs. Example accounts that may be a good fit include a youth basketball league in Illinois that hosts seasonal tournaments, or a nonprofit organizing adult flag football games in Texas. If your client provides structured, supervised athletic activities, AI Risk’s program offers the protection they need—and the coverage options you want to offer. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports teams, leagues, clubs, sponsors, and event organizers who provide structured and supervised athletic activities. What coverages are included in the base policy?The base policy includes General Liability on an occurrence form, covering bodily injury, property damage, and personal injury related to sponsored sports activities. Are optional coverages available?Yes, optional coverages include Participant Accident Insurance, Directors and Officers Liability, and Sexual Molestation coverage. What is the minimum premium for this program?The minimum premium for General Liability coverage is $2,500, which includes Participants Legal Liability and Spectators Legal Liability. In which states is this program available?This program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

The National Flood Insurance Reform Act of 1994 requires mortgage lenders to meet strict flood insurance obligations. Those requirements include obtaining flood zone determinations for new loans, updating determinations when a property enters a Special Flood Hazard Area (SFHA), and making sure properties in SFHAs have adequate flood protection. Failure to maintain compliance can result in monetary penalties during audits by Fannie Mae, Freddie Mac, or other secondary market participants. Overby Seawell Co. (OSC) offers a dedicated Lender Placed Flood program that helps mortgage lenders, servicers, banks, and credit unions maintain flood insurance compliance across loan portfolios. As a Managing General Agency (MGA), OSC places lender-placed flood coverage through a panel of carriers and provides systems and service designed to reduce unnecessary placements while meeting regulatory requirements in most U.S. states. Ideal Accounts and Appetite This program is built for agents and brokers who place flood coverage for mortgage lenders and servicers. OSC works with residential, commercial, and mixed-use mortgage portfolios. Typical accounts include regional and community banks, credit unions, mortgage servicers, and portfolio managers that must demonstrate flood compliance for loans secured by properties in SFHAs. You might have a client that is a regional credit union managing thousands of mortgages, or a servicer that acquires loans from brokers nationwide. OSC can support both single-loan placements and large portfolio programs, with automated tracking and placement logic to limit unnecessary policies. Coverage Highlights and Advantages Flood zone determinations for new and existing loans to identify SFHA exposure Automated portfolio tracking through OSC’s proprietary TC system to flag deficiencies and avoid duplicate placements Borrower notification workflows for required coverage or documentation gaps Placement of lender-placed flood policies when borrower-placed coverage is missing or insufficient Compliance support for FEMA/NFIP rules and documentation needed for secondary market sales Access to multiple carrier markets to find flexible terms and competitive pricing Underwriting Notes and Minimum Premiums Premiums depend on property location, flood zone classification, structure characteristics, and portfolio size. OSC partners with agents and lenders to place appropriate coverage efficiently, using TC system automation to reduce false placements and administrative overhead. Minimum premiums and specific underwriting requirements vary by carrier and state—contact OSC or your market specialist for case-specific guidance. Territories and Availability OSC’s Lender Placed Flood program is available in most U.S. states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Whether your client operates regionally or nationally, OSC can scale service to match the portfolio’s geography. Why Work With Overby Seawell Co.? Overby Seawell Co. brings decades of experience in lender-placed insurance and mortgage compliance. As an MGA with established carrier relationships and a proprietary tracking platform, OSC combines regulatory knowledge, technology, and placement expertise to help agents place compliant lender-placed flood coverage quickly and reliably. Working with OSC gives you a partner that understands secondary market expectations and audit documentation needs. Frequently Asked Questions What types of accounts are a good fit for OSC’s Lender Placed Flood program?This program is ideal for mortgage lenders, loan servicers, banks, and credit unions that need flood insurance compliance solutions for properties in Special Flood Hazard Areas (SFHAs). How does the TC system help with compliance?OSC’s TC system tracks insurance status across loan portfolios, notifies borrowers of deficiencies, and reduces unnecessary policy placements—streamlining compliance management. Can OSC help with flood zone determinations?Yes. OSC provides flood zone determinations for new and existing loans and supports ongoing updates if a property moves into a higher-risk flood zone. In which states is this program available?The program is available in most states, including CA, FL, TX, NY, GA, WA, and many others. OSC supports national and regional lenders alike. What carriers does OSC work with?OSC works with various carriers to offer flexible and competitive lender-placed flood insurance solutions tailored to each client’s needs. Need help placing an account? Connect with a market specialist.

Sports Clinic Insurance — Colonial General Insurance Agency, Inc. Overview of the Program From Colonial General Colonial General Insurance Agency offers a Sports Clinic Insurance program designed for agents placing amateur sports programs, clinics, camps and leagues. This program combines property and liability coverages on a mono-line or packaged basis, and is built specifically for non-contact and limited-contact activities such as archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis and volleyball. Colonial General places business in admitted and excess & surplus markets depending on the account — some admitted markets are available. Ideal Accounts and Appetite Youth and community sports clinics, weekend skills camps, and seasonal leagues for amateur players. Organizations that operate out of community centers, school gyms (when allowed), municipal parks, private clubs, or rented facilities. Programs with organized supervision, written participant waivers, and basic risk controls (background checks for instructors, safety protocols). Not intended for professional teams, high-risk contact sports without additional underwriting, or programs with significant alcohol sales, unlicensed instructors, or persistent prior claim activity. If an account presents unique exposures, Colonial General underwriting can evaluate on a case-by-case basis. Coverage Highlights and Advantages Key liability and property features agents can offer insureds through this program: Commercial General Liability — primary limits available up to $3,000,000 occurrence and aggregate. Excess/Umbrella capacity — limits up to $25,000,000 where needed. Included coverages: Additional Interests, Medical Payments ($5,000), Limited Participant Liability ($25,000 per occurrence / $50,000 aggregate), and Sexual & Physical Abuse coverage ($25,000 per claim / $50,000 aggregate). No deductible required on the liability piece in many placements. Property options — Accounts Receivable, Building, Contents, Business Income, Equipment Breakdown, Food Spoilage, with Basic, Broad, or Special forms available and choice of Replacement Cost or Actual Cash Value valuation. Crime coverages — inside theft of money and securities, robbery/safe burglary, and outside the premises theft available where applicable. Underwriting Notes To quote quickly, underwriters typically request: Applicant details: operations description, annual revenue, and number of participants per event. Safety and risk control information: staff-to-participant ratios, instructor qualifications, use of waivers, background checks, and facility supervision. Loss history for the past 3–5 years and any prior abuse/sexual misconduct claims. Details on property values, rented locations, concessions or vendors on site, and whether activities include hazardous equipment or high-contact play. Colonial General underwriters can provide guidance on acceptable controls to improve terms. Minimum premiums vary by market and are quoted per account; discuss specifics with underwriting at placement. Territories and Availability This program is available across select western states: AZ, CA, CO, ID, NV, NM, UT and WY. Coverage may be placed admitted where markets allow; otherwise business is written through excess & surplus lines or non-admitted carriers. Carriers and exact terms vary by state and account characteristics. Why Work With Colonial General on Sports Clinic Business MGA and E&S broking capability gives agents access to multiple markets and flexible packaging for liability and property risks. Program includes participant and abuse cover options that many standard markets limit or exclude, making it practical for youth and community organizers. Responsive underwriting for western state accounts and experience placing small- to mid-sized clinics and seasonal camps. Ability to place limits up to $3M primary and large umbrella capacity when needed. Example Accounts Two typical placements: A nonprofit summer soccer clinic that runs weekly sessions for ages 6–12, uses a municipal field, requires participant waivers and seeks $1M/$2M limits plus property coverage for rented equipment. A weekend multi-sport skills camp held in a private gym offering baseball, basketball and tennis instruction, with paid instructors and on-site concessions — needing both liability and contents coverage. Frequently Asked Questions What types of sports programs are a good fit for this Colonial General program?Non-professional, amateur sports clinics, youth camps and seasonal leagues for non-contact or limited-contact sports (for example soccer, baseball, volleyball, tennis, golf and similar activities) are the primary target. Programs with structured supervision, waivers and instructor vetting match the appetite best. Are sexual and physical abuse coverages included?Yes. The program includes sexual and physical abuse coverage limits (typically $25,000 per claim / $50,000 aggregate as shown in underwriting materials) — availability and limits depend on the specific carrier and account details. Can I place both liability and property together?Yes. Colonial General can package property and liability on a mono-line or combined basis. Property options include building, contents, business income, equipment breakdown, food spoilage and choice of valuation form where available. Which states are eligible for this program?This program currently writes business in AZ, CA, CO, ID, NV, NM, UT and WY. Some admitted markets are available; other placements may be written through E&S carriers depending on the state and risk profile. Need help placing an account? Connect with a market specialist.