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Available Community Associations Insurance Coverage: Crime ...cost-effective option for smaller associations. How do I submit an application...

... booster clubs, parent-teacher associations, foundations, trade associations, and membership groups. As a whole...anaging a portfolio of membership associations, Gateway aims to deliver profes...

American Specialty offers Independent Car Clubs Insurance for national and local clubs, on-track events, static shows, rallies, parades, autocross, cruises and other club-organized activities. Our sports-specific insurance programs and services help protect your organization and its membership while giving you placement options tailored to automotive clubs and event operators. Eligible operations for Independent Car Clubs Insurance National clubs Regional and local clubs On-track events Autocross Static car shows Rallies and cruises Parades Club-hosted social events and fundraisers Program highlights A.M. Best "Excellent" or higher carriers (varies by program) Admitted coverage where available Program-specific forms and rates tailored for car clubs and events Non-auditable policy option 24-hour claims service and in-house claims management In-house underwriting, risk management and policy administration Online resources and tools for agents and insureds Coverage highlights General Liability (including participant legal liability) Excess / Umbrella limits Liquor Liability for club events Automobile liability for owned/leased club vehicles (where applicable) Property and equipment coverage for club-owned property and event property Crime and employee benefits liability Participant accident medical and catastrophic medical coverage Workers’ compensation and deductible / SIR options Overview — American Specialty's Independent Car Clubs Insurance American Specialty Insurance & Risk Services (MGA) provides a program designed for insurance agents placing coverages for car clubs and their events. The program pairs program-specific forms and rates with in-house underwriting and claims services so you can offer comprehensive protection for both club operations and participants. Ideal accounts and appetite This program is a fit for independent agents with insureds that are: Volunteer-run or membership-based car clubs (local, regional or national) Organizers of static shows, cruise nights, rallies, parades, autocross and similar events Clubs that host social events, fundraisers and occasional track days Groups seeking participant accident coverage or liquor liability for hosted events Not typically eligible: professional racing teams, permanent commercial racetracks hosting regular sanctioned professional racing, or promoters of large commercial festivals where operations exceed typical club event scope. Underwriting will review high-risk features such as paid professional drivers, commercial concessions, or non-club commercial promoters. Coverage advantages for agents Program-specific forms and pricing: simplifies placement for routine club exposures. Admitted capacity where available, with in-house underwriting for faster turn times. Participant accident and catastrophic medical options that address event risks. Liquor liability and non-auditable policy options to simplify administration of social events. 24-hour claims service backed by in-house claims management to help control outcomes. Underwriting notes & minimums Underwriting evaluates each club by operations, event frequency, attendance, liquor exposure, participant activities, and loss history. Minimum premium and appetite vary by state and by the specific coverages requested. Minimum premium: Varies. Carriers: Varies. If an account has complex operations (regular track days, multiple paid vendors, or professional drivers), submit detailed questionnaires and event documents for review. Territories and licensing Available through American Specialty in these jurisdictions: 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. Admitted coverage is available where the program carrier is admitted—availability and placement options will vary by state. Why place this business with American Specialty MGA with niche experience placing sports- and recreation-related programs. In-house underwriting, risk management and claims teams focused on event and participant exposures. Program-specific forms and online resources that reduce placement friction for agents. Flexible limits and coverage modules to create a package appropriate to club size and activities. Example placements You have a regional car club that hosts quarterly static shows and an annual cruise night with volunteer marshals — this program can combine general liability, liquor liability for the evening social, and participant accident coverage for drivers and volunteers. A local autocross club holding occasional timed events at a municipal lot needs participant legal liability and participant accident medical coverage — the program’s event-specific forms and non-auditable policy option streamline administration. Frequently Asked Questions What types of car club accounts are a good fit for this program?The program fits membership-based clubs, local/regional organizations, and promoters of club-run events such as static shows, rallies, cruises, autocross and charity parades. It is designed for volunteer-run operations and occasional track or social events rather than full-time professional racing operations. Which coverages can I package together for a club client?Common packages include General Liability with Participant Legal Liability, Liquor Liability for social events, Participant Accident/Catastrophic Medical, Automobile for club-owned vehicles where needed, Property for club-owned equipment, and Excess/Umbrella follow-form limits. Workers’ compensation and crime can also be added where appropriate. How does underwriting handle on-track events or timed driving activities?Underwriting reviews the level of driver training, whether professional drivers are involved, safety controls, event supervision, and participant waivers. Recreational on-track events and sanctioned autocross typically qualify when safety protocols are documented; professional or commercial racing operations require a different placement. Need help placing an account? Connect with a market specialist.

...ilar cultural organizations. Fraternal Clubs & Membership Organization...gious institutions, and community associations. Is special events coverage ava...

... Fitness clubs Foundations and fraternal organizations Historical and huma...ofit organizations such as alumni associations, chambers of commerce, social s...

What is Management Liability (Directors & Officers) Insurance? Directors and Officers (D&O) Liability Insurance is designed to protect the personal assets of a company’s management team—including board members, officers, and executives—against claims arising from decisions made in their corporate roles. These policies typically cover legal defense costs, settlements, and other liabilities associated with alleged wrongful acts such as mismanagement, breach of fiduciary duty, or failure to comply with regulations. Claims may stem from employees, shareholders, regulators, or other third parties. Why Offer Management Liability Insurance Through Gateway Specialty Insurance? Gateway Specialty Insurance offers a comprehensive Management Liability (Directors & Officers) program tailored to help agents place coverage for a wide range of organizational leadership exposures. Whether your client is a nonprofit organization, a privately held business, or a publicly traded company, we can help you secure the right protection for their leadership team. This program is available through most markets and is supported by Gateway’s expert underwriting and broker support team. Ideal Accounts and Appetite This program is suitable for: Nonprofit organizations, including 501(c)3s Privately held businesses in a variety of industries Publicly traded companies (subject to underwriting) Start-ups and emerging companies with active boards You might have a client who recently added outside board members and now faces increased exposure to shareholder actions. Or a nonprofit about to receive grant funding and needs D&O coverage to satisfy the grantor’s requirements. Gateway Specialty can help you place these accounts quickly and efficiently. Coverage Highlights Gateway’s D&O program includes robust features to help protect directors, officers, and board members: Duty to defend policy with full prior acts coverage Unlimited extended reporting period for former directors and officers Automatic outside directorship liability for 501(c)3 board service Standalone coverage options for D&O and Employment Practices Liability (EPL) Optional inclusion of Fiduciary and Crime coverage Choice of legal counsel in many cases Deductibles starting at $0 for D&O and EPL Defense outside the limits available Underwriting Considerations Gateway Specialty works with most available markets and offers flexible underwriting for a wide range of organizations. While there is no stated minimum premium, underwriting terms vary based on the size, structure, and risk profile of the applicant. Submission requirements typically include a completed application and details on corporate structure and financials. Available Nationwide Gateway Specialty’s Management Liability program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. With access to both admitted and non-admitted markets, Gateway can match your client’s needs with the appropriate coverage solution across diverse regulatory environments. Why Work With Gateway Specialty Insurance? As a wholesale broker with a national footprint, Gateway Specialty Insurance provides agents and brokers with access to strong markets and responsive underwriting for D&O risks. Their team understands the nuances of management liability and helps you navigate complex submissions efficiently. From nonprofits to private companies, Gateway delivers tailored solutions and concierge-level support to help you close more business. Call 877-474-7868 to phone quote. Email submissions to [email protected]. Call us at 877-977-4474 if you have any questions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofits, private companies, and select publicly traded firms looking to protect their directors and officers from management liability exposures. Can this policy include other coverages like EPL or Fiduciary?Yes, standalone or combined options for Employment Practices Liability, Fiduciary Liability, and Crime coverage are available depending on the client’s needs. Is this coverage available in all states?Yes, Gateway Specialty offers this program in most states across the U.S., including DC. Do you offer admitted or non-admitted markets?Most markets are available, giving flexibility to match each client with the best-fit solution, whether admitted or non-admitted. What’s required to get a quote?Typically, a completed application and basic company information such as financials and organizational structure are needed to begin underwriting. Need help placing an account? Connect with a market specialist.

...ce, and social clubs — including fraternal lodges. The program helps agents an... ideal for civic, social, luncheon, fraternal, and service clubs, including lo...

Performing Arts Insurance Program from Gateway Specialty Insurance Gateway Specialty Insurance provides a focused wholesale program that helps agents and brokers place insurance for nonprofit performing arts organizations. The program is built for creative, volunteer-driven groups — from community theaters to regional orchestras — and is sized to protect the common liability and property exposures these clients face. Ideal Accounts and Appetite This program targets nonprofit performing arts entities, including: Ballet companies Choirs and vocal ensembles Comedians and improv/comedy groups Dance troupes and performance ensembles Musical groups and chamber ensembles Orchestras and symphonies Theater and drama groups Typical fits are nonprofit organizations with modest annual revenues, volunteer staff, rented or shared rehearsal space, and portable props or instruments. Organizations with significant for-profit activities, touring with high-value special effects, or unusually hazardous productions may fall outside appetite. Coverage Highlights and Advantages Gateway Specialty’s Performing Arts Insurance program brings together common coverages performing arts nonprofits need, with flexibility to tailor limits where appropriate: Directors & Officers (D&O) Liability — protection for board members and leadership against management-related claims. Employment Practices Liability (EPLI) — coverage for claims arising from employment-related allegations. General Liability — primary protection for third-party bodily injury and property damage at performances and rehearsals. Property Coverage — options for owned or leased premises, including contents and building exposures. Inland Marine — coverage for musical instruments, costumes, portable sound/lighting equipment, and other movable property. The program places business with highly rated carriers, including USLI and Alliance of Nonprofit, and offers admitted and non-admitted paper in select states to match each account’s needs. Underwriting Notes and Minimum Premiums Gateway Specialty keeps submissions simple for eligible risks. Minimum premiums typically fall between $400 and $750, which makes the program accessible for smaller nonprofit groups. For well-qualified accounts, underwriters can often return same-day or next-day indications. When submitting, include basic financials, details on volunteer versus paid staff, descriptions of performance venues and frequency, and a list of high-value portable items (instruments, sets, lighting). High-risk activities, significant gross receipts from commercial operations, or frequent out-of-state touring should be disclosed up front. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, 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, WI, and WY. Admitted coverage is available in some states; non-admitted options are used where needed to secure capacity. Why Work With Gateway Specialty Insurance? As a wholesale broker focused on nonprofit insurance, Gateway Specialty combines specialty underwriting, responsive service, and access to A++ rated markets. Agents benefit from underwriters familiar with performing arts exposures and the flexibility to place admitted or non-admitted paper based on the client and location. Example scenarios you can place through this program: A community theater nonprofit that needs general liability and property coverage for a season of six productions, plus inland marine for props and costumes. A regional youth orchestra that requires D&O and EPLI coverage for a volunteer board and protection for high-value instruments transported between rehearsal sites. To learn more about Gateway Specialty’s A++ rated admitted and non-admitted options, see their product detail page and request a quote via the existing link: insurance for nonprofit performing arts. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit performing arts organizations such as theater groups, choirs, orchestras, comedy troupes, and dance ensembles are ideal fits. Is coverage available on an admitted basis?Yes, admitted coverage is available in some states. Non-admitted options are also offered depending on the risk and location. What is the typical minimum premium for this program?Minimum premiums generally range from $400 to $750, depending on the type and size of the risk. Can I get a quote quickly?Yes, Gateway Specialty Insurance can often provide a same-day or next-day quote for qualified submissions. Which carriers are used for this program?This program is backed by trusted carriers including USLI and Alliance of Nonprofit, offering A++ rated coverage options. Need help placing an account? Connect with a market specialist.