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Sports Insurance Program from Gagliardi Insurance Services, Inc. Gagliardi Insurance Services, Inc. offers a comprehensive Sports Insurance program tailored to meet the needs of both adult and youth athletic organizations. As a Managing General Agency with long-standing experience in the sports and recreation sector, Gagliardi brings deep underwriting knowledge and strong market access to help you place accounts with confidence. Whether your client is managing a youth soccer league, an amateur softball team, or a regional football camp, Gagliardi provides the insurance solutions needed to protect against the unique risks of athletic participation and event management. Ideal Accounts and Appetite This program is designed for a wide range of sports-related risks, including but not limited to: Youth and adult sports leagues Amateur and recreational teams Sports camps and clinics Facility operators and event organizers Covered sports include mainstream and contact sports such as: Baseball & Softball Basketball Soccer Football Volleyball Ice, Roller, and Field Hockey If you have a client running a regional youth basketball league or organizing a summer football camp, this program can provide the essential coverages they need. Coverage Highlights and Advantages Gagliardi’s Sports Insurance program includes access to both admitted and surplus lines markets, offering flexibility for a wide range of risk profiles. Coverage options include: General Liability Directors & Officers (D&O) Accident, Medical, and Dental Accidental Death & Dismemberment (AD&D) Catastrophic Accident/Medical Crime Insurance Sports Equipment Floaters Prize Indemnification These coverages are designed to protect not only athletes and participants but also the organizers, volunteers, and facilities involved in sports operations. Underwriting Notes and Market Access As a Surplus Lines broker working with top-rated carriers such as Chubb, Philadelphia, and Great American, Gagliardi can accommodate hard-to-place risks and tailor policies for unusual exposures. The program supports both admitted and non-admitted placements, depending on the risk class and state regulations. While minimum premiums may vary by account size and coverage types, Gagliardi is equipped to competitively quote a wide range of risks across different sports and organizational structures. Territories and Availability The Sports Insurance program is available in most U.S. states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. In total, the program is offered in over 45 states, giving agents broad geographic flexibility when placing business. Why Work With Gagliardi Insurance Services, Inc.? Gagliardi Insurance Services, Inc. is widely recognized for its expertise in the sports insurance space. Their team understands the nuances of insuring athletic programs and offers responsive service, competitive terms, and access to specialized underwriting. Whether you're dealing with a local youth league or a multi-state sports association, Gagliardi brings the tools and markets to help you secure the right coverage for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for youth and adult sports leagues, amateur teams, sports camps, and facility operators involved in a wide range of athletic activities. Which sports are eligible under this program?Commonly covered sports include baseball, basketball, football, soccer, softball, volleyball, and various types of hockey (ice, roller, field). Are both admitted and non-admitted markets available?Yes, Gagliardi offers access to both admitted carriers and surplus lines markets to provide flexibility based on the risk profile and state. What coverage types can be included in a typical policy?Coverage options include General Liability, Accident/Medical, D&O, AD&D, Crime, Prize Indemnification, and more. In which states is this program available?The program is available in over 45 states, including major markets like California, Texas, Florida, New York, and Illinois. Need help placing an account? Connect with a market specialist.

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Sport, fitness, dance, and martial arts/self defense instructors, now your sport instructor insurance program can be in top shape, too! K&K can offer coverages that will defend and indemnify instructors for alleged negligence resulting in bodily injury and property damage while performing their duties. Must be an instructor who directly supervises an individual or group in sports, fitness, dance or martial arts-related activities. Eligible Operations for Sport Instructor Insurance: Sports Instructors: - Baseball instructor insurance - Racquetball instructor insurance - Basketball instructor insurance - Road Running instructor insurance - Baton twirling instructor insurance - Soccer instructor insurance - Bowling instructor insurance - Softball instructor insurance - Cheerleading instructor insurance - Swimming instructor insurance - Cross country instructor insurance - Table Tennis instructor insurance - Fencing instructor insurance - Tennis instructor insurance - Figure skating instructor insurance - Track & Field instructor insurance - Football instructor insurance - Tumbling instructor insurance - Golf instructor insurance (floor only, no gynmastic - Gymnastics instructor insurance* apparatus) - Hockey instructor insurance - Volleyball instructor insurance - Lacrosse instructor insurance - Pickleball instructor insurance - Wrestling instructor insurance *Not available for purchase online. Submit PDF application. Coverages Available & Program Highlights: - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Expense (other than participants) - Legal Liability to Participants - Damage to Premises Rented to You K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.kandkinsurance.com/programs/sports-instructor/sports-instructor-insurance Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

The youth sport camp and clinic insurance program is designed for U.S. – based youth sports camp operations (those attended by campers age 19 or under) or sports clinics that are held at premises not owned or maintained by the sport camp operator. Coverage provided under this program includes important liability protection for the camp or clinic operator, including employees and volunteers, for liability claims arising out of its operations. In addition, the program provides medical payments coverage to the camp or clinic participants. Coverage is provided on an annual basis, but only applies to those camp/clinic sessions that are specifically reported. Eligible Operations for Youth Sport Camp Insurance and Youth Sport Clinic Insurance: Sports operations conducted on a clinic, day camp or overnight camp basis for attendees age 19 and under that are focused on improving skills in one of the following sport categories are eligible for this insurance program. If your sport is not listed, please contact K&K to confirm eligibility at 1-800-426-2889. (Including but not limited to) - Baseball camp insurance - Soccer camp insurance - Basketball camp insurance - Softball camp insurance - Cheerleading camp - Squash camp insurance insurance - Swimming camp insurance - Deck/floor/street hockey - Strength and conditioning camp insurance camp insurance - Drill team camp insurance - Tennis camp insurance - Football camp insurance - Track & field camp - Golf camp insurance insurance - Gymnastics camp insurance - Volleyball camp insurance - Ice hockey camp insurance - Inline hockey camp insurance - Water polo camp insurance - Water hockey camp insurance - Lacrosse camp insurance - Wrestling camp insurance - Classroom/lecture clinics for coaches or officials in any of the above mentioned sports are also eligible to enroll in this insurance program - Day camps/clinics for youth with an accompanied adult are eligible for this program (e.g.: parents and me camps). Ratios cannot be more than two adults per child. Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You (Fire Legal Liability) - Hired Auto and Employers’ Nonownerhsip Liability (not provided while in Hawaii) - Professional Liability - Legal Liability to Participants - Medical Payments for Participants K&K Insurance Group offers sports and recreations websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.campinsurance-kk.com - sports camps & clinics Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Sports Camp Insurance program designed for amateur sports operations, including camps, clinics, leagues, and training programs. This program is available on a mono-line or package basis and provides comprehensive Property and General Liability coverage tailored to the unique risks of non-contact sports activities. Ideal Accounts and Target Classes This program is ideal for amateur sports organizations and youth athletic programs that focus on non-contact sports. Eligible classes include but are not limited to: Archery Baseball and Softball Basketball Bowling Cheerleading Golf Flag Football Soccer Tennis Volleyball You might have a client who runs a regional summer soccer camp or a youth basketball league—these are exactly the types of operations that fit well within this program’s appetite. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3 million per occurrence and aggregate Excess or Umbrella limits available up to $25 million Included Coverages: Additional Interests Medical Payments—$5,000 limit Limited Participant Liability—$25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage—$25,000 per claim / $50,000 aggregate No deductible required Property Coverage Options: Building and Contents Business Income and Equipment Breakdown Food Spoilage Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Losses Outside the Premises Underwriting Notes Colonial General works with a range of carriers and offers flexible underwriting for qualifying risks. While there is no published minimum premium, competitive pricing is available depending on the risk profile and coverage limits selected. This program is best suited for well-managed amateur programs that emphasize safety and maintain proper supervision protocols. Territories and Availability The Sports Camp Insurance program is available through Colonial General in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Some markets are admitted, while others are non-admitted, depending on the state and specific risk. Why Work With Colonial General Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep experience in placing niche and hard-to-place risks. Their focus on regional underwriting and access to both admitted and non-admitted markets allows agents to confidently place amateur sports and camp-related risks. When you partner with Colonial General, you gain access to responsive underwriters, tailored program options, and a streamlined submission process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for amateur, non-contact sports camps, clinics, and leagues—such as youth basketball camps, summer soccer clinics, and community cheerleading programs. Is participant liability coverage included?Yes, limited participant liability coverage is included at $25,000 per occurrence and $50,000 aggregate. Are both property and liability coverages available?Yes, you can place Property and Liability coverage as a package or on a mono-line basis, depending on your client's needs. What states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this an admitted program?Some admitted markets are available, depending on the state and risk class. Colonial General also works with non-admitted carriers where appropriate. 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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Sports League Insurance program designed to meet the unique needs of amateur athletic organizations. Whether your client manages a seasonal youth soccer league, a community basketball program, or a nonprofit athletic camp, this program provides tailored protection for non-contact sports organizations operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is a strong fit for local and regional amateur sports organizations, camps, clinics, and leagues focused on non-contact sports. Target classes include: Youth and adult recreational leagues Seasonal sports camps and clinics Community-based athletic programs Eligible sports include, but are not limited to, archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis, and volleyball. Contact sports and high-risk athletic programs may be outside the program’s appetite. Reach out to Colonial General for underwriting clarification on fringe or high-risk activities. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis, allowing you to customize protection based on your insured’s operations. Highlights include: Commercial General Liability Primary limits up to $3 million per occurrence/aggregate Excess or Umbrella limits up to $25 million Included coverages: Additional Interests Medical Payments Coverage – $5,000 limit Limited Participant Liability – $25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate No deductible Property Coverage Buildings, Contents, and Equipment Breakdown Business Income and Food Spoilage Accounts Receivable Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities inside the premises Robbery or Safe Burglary of Other Property Coverage for losses occurring outside the premises Underwriting Notes Colonial General works with various carriers to offer access to both admitted and non-admitted markets, depending on the risk and location. While minimum premiums are not listed, underwriting flexibility allows room for a variety of account sizes, especially in community-based and nonprofit markets. Submissions should include details such as the type of sport, number of participants, location, and duration of events or seasons. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents operating in these Western states can rely on Colonial General’s regional knowledge and market access to place coverage efficiently. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in placing niche programs for specialty markets. With access to a variety of carriers and a flexible underwriting approach, they support agents in tailoring solutions for sports leagues and camps that face unique liability and property exposures. Their in-depth knowledge of regional risks and responsive service model make them a trusted partner for placing amateur sports accounts. Whether you’re helping a local youth soccer league secure liability coverage or working with a nonprofit that runs seasonal cheerleading clinics, Colonial General can help you find the right protection for your client’s activities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports leagues, camps, clinics, and community-based athletic organizations involved in non-contact sports such as soccer, baseball, cheerleading, and tennis. Are contact sports eligible for coverage?Generally, this program focuses on non-contact sports. Contact sports may be outside the standard appetite, but you can contact Colonial General for specific underwriting guidance. What states is this program available in?The Sports League Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Is liability coverage available as standalone or only as part of a package?Liability coverage is available on a standalone (mono-line) basis or as part of a package with property and crime coverages. What limits are available for general liability?Primary general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Overview J.M. Wilson Corp. offers a Commercial Umbrella Insurance program designed to expand liability limits and provide broader excess coverage for a wide range of small-to-medium commercial classes. As a Managing General Agency and Excess & Surplus (E&S) broker, we place excess and umbrella limits with both admitted and non-admitted markets to give agents flexible placement options for their clients. Target Classes and Ideal Accounts Below is a sampling of classes we routinely place on this program. These accounts typically fit when the underlying liability program is standard and loss history is acceptable: Apartment buildings Bakeries Beauty shop supplies distributors Beverage stores Cable TV companies Car washes Caterers Clubs Computer and electronics stores Department / discount stores Food and drink distributors Drywall installation Florists & gift shops Golf courses / driving ranges Hardware stores Hotels & motels Janitorial services Laundries & dry cleaners Lawn care services / contractors Masonry Meat, fish, poultry, seafood stores Nail salons Paving — sidewalks / parking / drives Paint / wall covering stores Photographers Pet stores Plumbing contractors Restaurants Video stores and theatres Coverage Highlights and Advantages Limits available up to $20,000,000 to meet higher-limit requirements for premises, products, auto and other liability exposures. Placement options include both admitted and non-admitted markets depending on state and class, allowing more flexibility where admitted forms aren’t required. Excess/umbrella placements with adjustable attachment points and the ability to consider deletion of a Self-Insured Retention (SIR) where markets permit. Competitive minimum premium structure for smaller accounts: $1,250 minimum premium for the initial $1,000,000 of limit $1,000 minimum premium per additional $1,000,000 of limit Typical minimum attachment points often $1,000,000 primary / $2,000,000 excess for lower-hazard classes (subject to underwriting) Underwriting Appetite and Restrictions Underwriters prefer accounts with class-appropriate operations, stable or improving loss histories, and standard underlying limits and endorsements. The program favors low- to medium-hazard retail, service, hospitality, and light contracting risks listed above. Generally not a fit: accounts with severe or repeated liability losses, significant professional or pollution exposures, or operations that require specialized excess capacity (heavy industry, high-hazard manufacturing) unless underwriting reviews and approves placement options first. Sample Accounts (Agent View) Small regional motel seeking $5M excess over a $1M primary — the umbrella can provide a clean excess layer with broader limits for premises liability and guest exposures. Landscaping contractor with conservative loss history that needs higher aggregate limits for general and auto liability — the program can offer $1M+ excess limits and alternative attachment structures. Territories and Availability This program is available in: GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Admitted versus non-admitted placement depends on the state, class and carrier appetite. Why Place Commercial Umbrella with J.M. Wilson Market access: we represent a number of admitted and non-admitted carriers, giving producers flexibility to place accounts that need admitted forms or E&S capacity. MGA & E&S expertise: focused underwriting for umbrella/excess placements with experience handling layered liability structures. Streamlined quoting: a focused appetite and clear minimums help agents get quick indications on common small-to-mid sized commercial risks. Underwriting Notes and Submission Tips Include current underlying liability declarations pages and forms so we can confirm attachment points and coverage consistency. Provide 3–5 years of loss history when available; include explanations for any losses to speed placement. Describe operations, annual payroll/sales and vehicle exposures for contractors and service accounts. If you need deletion of an SIR or unusual attachment points, flag that on submission so underwriting can evaluate markets early in the process. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?Retail, hospitality, light contractors, service and distribution classes with standard underlying programs and acceptable loss histories are the primary appetite. The program is designed for small- to mid-size commercial risks that need higher liability limits. What limits and attachment points are available?Limits are available up to $20,000,000. Typical minimum attachment points for lower-hazard classes are $1,000,000 primary / $2,000,000 excess, but underwriting will consider other structures based on the account. Minimum premium guidelines apply for each layer. Which states does this program serve?The program is available in GA, IL, IN, KS, KY, MI, MS, MO, NC, OH, PA, SC, TN, VA, WV and WI. Coverage options and admitted vs. non-admitted availability depend on the state and carrier. Is coverage placed admitted or non-admitted?We work with both admitted and non-admitted markets. The placement method depends on the class, state regulation, and the carrier selected by underwriting. What information should I include with a submission?At minimum provide current underlying declarations pages, loss runs (preferably 3–5 years), a description of operations, and exposure details (payroll, sales, vehicles). For contractors or hospitality accounts, include any contracts or risk-transfer requirements. Need help placing an account? Connect with a market specialist.