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

...o meet the unique risks faced by fraternal and social clubs. This program is b...This program is ideal for nonprofit fraternal and social clubs, such as Americ...

...rehensive Insurance Solution for Fraternal Clubs Apogee Insurance Group offers...nts are a good fit for this program?Fraternal clubs such as Elks, Moose, Knigh...

... 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...

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

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.

Gateway Specialty Insurance offers a fast and reliable market for Special Event Insurance, providing brokers and agents with access to both Admitted and Non-Admitted carriers. Whether you're placing coverage for a small community fundraiser or a large-scale music festival, Gateway Specialty can help you quote and bind policies quickly and efficiently. Ideal Accounts and Event Types Our program is designed to accommodate a wide range of special events, including but not limited to: Beer Gardens and Beer Tents Car Shows and Motor Vehicle Events Concerts and Musical Performances Conventions, Trade Shows, and Exhibits Festivals and Parades Fundraisers and Picnics Private Parties and Weddings Sporting Events (amateur or non-professional) Other Miscellaneous Gatherings This program is ideal for agents working with clients who host one-time or short-term events, especially where liability, liquor, or cancellation exposures are a concern. Coverage Highlights and Advantages Coverage options available through Gateway Specialty Insurance may include: General Liability Liquor Liability Event Cancellation Weather Insurance Hole-in-One Coverage With access to USLI and other trusted carriers, we provide flexible solutions tailored to the unique risks of each event. Liquor liability and weather protection options are especially valuable for outdoor and licensed events such as beer festivals or wedding receptions. Underwriting Notes and Minimum Premiums Our underwriting team is responsive and knowledgeable, helping agents navigate quotes with minimal friction. Minimum premiums start at: General Liability: $225 Liquor Liability: $325 We accept submissions via applications or ACORD forms. There is no premium commitment or contract required, making it easy to place business with us. Territories and Availability This 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. Why Work With Gateway Specialty Insurance? Gateway Specialty focuses on niche commercial markets, including special events, allied healthcare, nonprofit, and technology risks. We offer low minimum premiums, flexible billing options (agency and direct bill), and expert account management. Our non-admitted expertise allows us to handle unique or hard-to-place event risks quickly and efficiently. If you have a client planning a single-day concert or a weekend fundraising festival, we can help you secure the coverage they need—fast. For submissions, email your applications to [email protected] or contact Anthony Vellutato at 877-977-4474 ext. 7044 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-time or short-term special events such as concerts, festivals, fundraisers, weddings, and trade shows. What coverages are available for special events?We offer General Liability, Liquor Liability, Event Cancellation, Weather Insurance, and Hole-in-One coverage, depending on the event type. Are both admitted and non-admitted markets available?This program is placed through non-admitted markets, primarily USLI, allowing greater flexibility for unique and higher-risk events. What are the minimum premiums for this program?Minimum premiums start at $225 for General Liability and $325 for Liquor Liability coverage. How can I submit an application?You can email completed applications or ACORD forms to [email protected] for a fast turnaround. Need help placing an account? Connect with a market specialist.