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Target Classes: Attractions Aquariums Caves Fairs/Festivals/Special Events/Parades Tourist Attractions Zoos/Animal Exhibits Recreation Batting Cages Beach Clubs Bingo Parlors Bowling Centers Campgrounds/RV Facilities Camps Casinos/Other Gaming Community Centers Dude Ranches Go-Karts Golf Facilities/Miniature Golf Health Clubs Hunting & Fishing Operations Laser Tag Outfitters and Guides Ropes Courses Shooting Ranges Swimming Facilities & Clubs Tennis Clubs Whitewater Rafting Motorsports Driving Schools Race Teams/Racing Facilities Single Events Sponsors Sports Associations/Leagues/Teams Pari-Mutuel Racing - Horse/Dog Tournaments Sports Camps Venues Arenas/Stadiums/Athletic Fields Auditoriums Civic Centers Comedy Clubs Convention Centers Performing Arts Centers Sports League Facilities Theater/Amphitheaters Entertainment Circuses Concert Promoters/Stage Shows Entertainers/Musicians/Bands Comprehensive Sports and Entertainment Insurance from BSR Insurance BSR Insurance offers a specialized Sports and Entertainment Insurance program designed to help brokers and agents place a wide range of hard-to-insure risks in the entertainment, recreation, and sporting sectors. As an experienced Excess & Surplus Lines Broker, BSR works with a variety of carriers to provide access to tailored coverage solutions for complex, non-standard risks across 50 states. Ideal Accounts and Program Appetite This program is built for a broad spectrum of sports and entertainment operations, with a strong appetite for: Event organizers (Fairs, Festivals, Parades, Concerts) Sports leagues, teams, camps, and tournaments Recreational businesses (Bowling alleys, Laser tag, Ropes courses) Venues such as arenas, amphitheaters, theaters, and convention centers Motorsports including race teams, events, and sponsors Tourist attractions like zoos, aquariums, and caves Accounts with annual premiums ranging from $5,000 to $1,000,000 are within the target range. This program is not suitable for risks requiring Prize Indemnity or Event Cancellation Coverage. Coverage Highlights and Advantages BSR's program delivers flexible and targeted insurance designed to address the unique exposures of the sports and entertainment industries. Available coverages include: General Liability – Occurrence form with deductible and SIR structures Legal Liability to Participants Trainer’s Liability Horse/Dog Legal Liability Contingent Fireworks Liability Liquor Liability (when packaged with CGL) This flexibility is ideal for agents looking to place complex or unusual accounts such as a whitewater rafting outfitter, a multi-day music festival, or a regional sports league with participant risk exposures. Underwriting Guidelines and Premiums BSR targets a minimum premium of $5,000, with capacity to support larger risks up to $1,000,000 in premium. The underwriting team evaluates each submission on its merits, with a strong focus on risk management practices and prior loss history. While the program is non-admitted in all states, BSR’s market access and experience ensure efficient placement of accounts that fall outside standard markets. Availability Across the U.S. This program is available in all 50 states including the District of Columbia. Whether your client operates in California, Texas, New York, or any other U.S. jurisdiction, BSR can help you secure coverage for their operations. Why Work With BSR Insurance? BSR Insurance brings deep industry knowledge and strong carrier relationships to the table. As a true partner to independent brokers and agents, BSR provides responsive service, strategic underwriting insight, and access to markets that can handle unusual or high-risk entertainment and sports exposures. If you have clients in niche recreation, entertainment venues, or competitive sports, BSR is ready to help you place that business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sports leagues, entertainment venues, recreational operations, motorsports, and special events with premiums starting at $5,000. Are single-day or short-term events eligible for coverage?Yes, single events such as festivals, concerts, or races can be considered under this program depending on the risk and scope. Is Liquor Liability available on a standalone basis?No, Liquor Liability is only available in conjunction with the Commercial General Liability (CGL) coverage. Are admitted markets available for this program?No, this program is written on a non-admitted basis in all states through various E&S carriers. What is the turnaround time for quotes?Turnaround time depends on the complexity of the risk, but BSR strives to provide timely responses and efficient placement support. Need help placing an account? Connect with a market specialist.

FOCUS: BSR Insurance offers a specialized Non-Standard National Dental Program tailored for solo practitioners or dental professionals working within a group practice insured by another carrier. This program is specifically designed to help place difficult-to-insure dental professionals who may not qualify for standard market coverage due to various underwriting challenges. Overview of the Program From BSR Insurance As an Excess & Surplus Lines Broker, BSR Insurance provides access to flexible and responsive coverage options for dental professionals who face obstacles in securing professional liability insurance through traditional carriers. This program is a strong solution for agents working with clients who have unique profiles or complicated histories. Ideal Accounts and Appetite This program is an excellent fit for: General Dentists Orthodontists Periodontists Endodontists Oral and Maxillofacial Surgeons It is especially suitable for dental professionals who have experienced: License suspension, denial, revocation, or probation Prior ethics issues involving patient relations A history of drug or alcohol use Practicing without prior insurance coverage Prior claims or loss history Challenges related to class of practice or geographic venue Example: You may have a client who is a general dentist returning to practice after a license suspension, or an oral surgeon with a strong clinical history but a lapse in previous coverage—this program can help you secure coverage for them. Coverage Highlights and Advantages Limits available up to $1M/$3M (state cap limits apply in Virginia) Claims-made and reported policy form with “demand” trigger Incident trigger available for qualified risks Prior acts coverage available on select accounts Defense outside the limits and incident trigger on qualified risks Corporate/entity and employee coverage available with shared limits Extended reporting period (ERP) options: 12, 24, and 36 months Elite Provider form set available for qualified insureds Underwriting Notes and Minimum Premiums Minimum policy premium: $3,000 Minimum deductible: $2,500 Not eligible for groups with more than 6 practitioners All accounts are written on a non-admitted basis with varying carriers, allowing for greater flexibility in underwriting and coverage structure. Territories and Availability This program is available in most states across the U.S., but is not available in the following states: AK, HI, KS, NY, RI, and WV. Agents in all other states can access this program to support their dental clients with non-standard risk profiles. Why Work With BSR Insurance on This Business BSR Insurance brings deep expertise in placing tough-to-insure medical professionals. As an E&S broker, BSR understands how to navigate complex underwriting scenarios and provides responsive service to help agents secure coverage quickly and efficiently. With access to a variety of markets and flexible coverage forms, BSR is your go-to partner for dental professionals who fall outside standard market appetites. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for solo dental practitioners or small dental groups (6 or fewer) with prior claims, licensing issues, ethics concerns, or lapses in coverage. Are group dental practices eligible?Yes, but only if the group has six or fewer practitioners. Larger groups are not eligible under this program. What coverage limits are available?Limits up to $1 million per claim and $3 million aggregate are available, with some state-specific limitations such as in Virginia. Can prior acts coverage be included?Yes, prior acts coverage is available for select accounts based on underwriting review and account history. Which states are excluded from this program?This program is not available in Alaska, Hawaii, Kansas, New York, Rhode Island, and West Virginia. Need help placing an account? Connect with a market specialist.

Target Classes: Pharmaceuticals & Biotech Products Medical Devices / Products Biologics (Animal & Human) Nutraceuticals Human Clinical Trials Overview of the Life Sciences Program from BSR Insurance BSR Insurance provides a focused Life Sciences Insurance program for agents placing product, professional and clinical-trial exposures for companies operating in the pharmaceutical, biotech, medical device and nutraceutical sectors. As an Excess & Surplus (E&S) lines broker, BSR leverages relationships with multiple non-admitted carriers to structure flexible terms for hard-to-place, highly regulated and emerging risks. Ideal Accounts and Appetite This program fits a broad range of life sciences businesses, including early-stage R&D firms through mid-sized manufacturers and distributors. Typical eligible accounts include: Pharmaceutical and biotech R&D and manufacturing Medical device development, manufacturing and distribution Human and animal biologics Nutraceutical manufacturers and distributors Human clinical trials based in the U.S. (domestic only) Restricted or ineligible risks include products containing Ephedra and any foreign clinical trial activity. If you have a client launching a novel medical device or preparing for first-in-human studies, BSR can help place those higher-exposure accounts through creative E&S solutions. Coverage Highlights and Advantages Products Liability, General Liability and Professional Liability (typically Claims-Made) Occurrence-form coverage available for limited classes Limits up to $5 million (available on a primary or excess basis) Flexible deductible and Self-Insured Retention (SIR) structures Unsupported excess capacity available Vendor’s coverage can be included Prior Acts (retroactive) coverage offered where appropriate These features help protect insureds against third-party claims arising from product defects, design or manufacturing errors, and professional errors during clinical development. Underwriting Notes and Minimum Premiums Underwriting focuses on product risk profile, clinical trial phase and controls, manufacturing practices, and distribution channels. Minimum premium for placements typically starts at $4,500, with many accounts averaging near $20,000 depending on exposures, limits and attachment points. Common deductible levels are $2,500–$5,000, while minimum SIRs generally start at $25,000. Territories and Availability BSR writes this Life Sciences program on a non-admitted basis across most U.S. states, including: 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, and WY. Why Work With BSR Insurance? BSR combines life sciences industry knowledge with broad access to E&S markets, making it a practical partner for agents placing complex or non-standard accounts. Their underwriting team is experienced in evaluating emerging technologies and tailoring terms—whether a client needs primary limits, excess capacity, prior acts protection, or customized SIR structures. Example scenarios that fit well: You represent a biotech start-up advancing to Phase I human trials that needs professional liability and product liability with prior acts coverage for prior research. You have a mid-market medical device manufacturer seeking primary limits and an unsupported excess layer to cover new distribution channels. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include pharmaceutical and biotech companies, medical device manufacturers, nutraceutical firms, and organizations conducting U.S.-based human clinical trials. Is coverage available for foreign clinical trials?No. This program excludes foreign clinical trials; only clinical trial exposures within the United States are eligible. What liability limits are available?Limits up to $5 million are available on a primary or excess basis. Unsupported excess options may also be offered depending on the placement. What are common deductible and SIR options?Deductibles commonly range from $2,500 to $5,000. Minimum SIRs typically start at $25,000, subject to risk characteristics. Is this program admitted or non-admitted?This program is placed on a non-admitted basis through various E&S carriers across most U.S. states. Need help placing an account? Connect with a market specialist.