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Weddings are major life events—and they carry meaningful financial risk. When a vendor cancels, a venue double-books, or a key service fails to show, your clients can face significant losses. R.V. Nuccio & Associates, Inc. distributes the Wedsure Wedding Insurance program, giving agents and brokers a flexible, a la carte solution to protect clients’ events. Rather than forcing preset packages, Wedsure lets you build coverage tailored to each couple’s specific exposures. Ideal Accounts and Appetite This program fits individuals planning weddings or civil ceremonies of any size—local ceremonies, large receptions, and destination weddings. It’s a good option when clients need protection for vendor non-performance, lost deposits, or liability exposures at private or public venues. Typical fits include historic sites with strict certificate requirements, outdoor ceremonies exposed to weather, and clients who want standalone protection for photography, jewelry, or gifts. Coverage Highlights and Advantages Wedsure separates nine common wedding coverages so couples only buy what they need. You can mix and match options instead of paying for bundled features. Coverage choices include: Personal Liability (includes Host Liquor Liability; Medical Payments optional) Cancellation/Postponement (including Additional Expense; Change of Heart optional) Loss or theft of Gifts Jewelry protection Loss of Deposits Photographs and Video coverage Professional Counseling Rented Property protection Special Attire coverage This modular approach helps keep premium aligned with event budgets while covering the exposures that matter most. Policies can be written for both weddings and civil ceremonies. Underwriting Notes and Minimum Premiums Underwriting is straightforward and designed for quick quoting and binding. Minimum premiums vary depending on the selected coverages and event details. Where applicable, policies are placed on an admitted basis to provide compliance and broader market access. Territories and Availability The Wedding Insurance program is available in all 50 states and Washington, D.C., allowing you to serve clients nationwide. Why Work With R.V. Nuccio & Associates, Inc. R.V. Nuccio & Associates, Inc. is a Managing General Agency with deep experience in special event insurance. Agents benefit from their streamlined quoting platform, responsive service, and the ability to offer highly customizable coverage through Wedsure. Whether you place a few wedding risks a year or handle them regularly, Nuccio’s market access and program flexibility make it easy to find an appropriate solution for most client scenarios. Learn more at http://wedsure.com/. Call us at 1-800-ENGAGED. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals planning weddings or civil ceremonies who want protection from vendor issues, cancellations, property loss, or on-site liability are a strong fit for Wedsure. Can clients purchase only the coverages they need?Yes. Wedsure offers nine coverages on an a la carte basis so clients can choose specific protections—such as jewelry, photographs, or loss of deposits—without buying unnecessary extras. Is the coverage available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is written on an admitted basis where applicable. What is the underwriting process like?Quoting and binding are designed to be efficient. Minimum premiums vary based on event size and selected coverages; most risks can be placed quickly through R.V. Nuccio’s platform. What sets R.V. Nuccio & Associates, Inc. apart?Their focus on special event insurance, flexible a la carte coverages, and responsive MGA support help agents place wedding-related risks with confidence. Need help placing an account? Connect with a market specialist.

FACE Insurance Services Fine Arts Coverage Enterprises (FACE) is a highly specialized unit of experienced fine art and wine insurance professionals dedicated to the structure, placement and servicing of a large worldwide clientele engaged in all aspects of fine arts, wine and other valuable collectibles. Overview — Insurance for Fine Art & Collectibles Enterprises Phoenix Risk Management (PRM) offers the FACE program to help agents place fine art, wine and high-value collectibles accounts through a dedicated team of specialists. FACE combines underwriting expertise, market access and tailored policy structure to address the unique risks faced by collectors, galleries, museums, dealers and consignors. As a general agency, PRM places this business with established markets including AXA Art Insurance, XL Specialty Insurance, Markel, and Great American to provide flexible solutions for both private and institutional clients. Ideal Accounts and Target Classes Private and corporate collections (single-owner or scheduled item lists) Galleries, dealers and auction houses — on-premises and in-transit exposures Museums, exhibit organizers and traveling exhibitions Wine collectors, storage facilities and specialty wine merchants High-value collectibles such as rare books, stamps, coins, and memorabilia Coverage Highlights and Advantages Worldwide coverage options for transit, exhibitions and storage Agreed value scheduling and valuation support for high-value pieces Optional coverage extensions commonly available through our markets (e.g., seizure, mysterious disappearance, restoration costs) — subject to underwriting Access to admitted and non-admitted markets where appropriate (All Available Markets) Claims advocacy and specialist adjusting resources familiar with fine art and wine losses Underwriting Notes and Appetite FACE underwriters prefer well-documented accounts with recent professional appraisals or inventories, secure storage practices, and loss-prevention measures for transit and exhibition. The program typically writes accounts with clear valuation and provenance histories. Accounts that commonly fit include single-item scheduled risks, gallery portfolios, museum collections, and private wine collections. Accounts that may require special handling or that are generally uninsurable include items with disputed provenance, recent restoration with unresolved damage, accounts lacking reasonable security or climate control for wine, or highly speculative rental/exhibit arrangements without professional risk controls. Each submission is evaluated on its own merits; early pre-submission conversations help set expectations. Underwriting Requirements & Minimum Premium Typical submission requirements include a detailed schedule of items, recent valuation or appraisal information, photographs for higher-value pieces, description of storage/transport/exhibit arrangements, and loss history. The program’s minimum premium is $1,500. Larger collections and complex exhibition programs will require fuller underwriting documentation and may be subject to market-specific minimums or terms. Territories and Availability FACE is available in the states listed below and in other territories consistent with market appetite. Availability may vary by carrier and admitted status; please confirm state-specific capacity at time of submission. 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 Why Work With Phoenix Risk Management on FACE Business Specialized underwriting team familiar with art, wine and collectibles exposures Access to top specialty carriers and flexibility across admitted and non-admitted solutions Dedicated account servicing and claims support focused on nuanced valuation and restoration issues Quick triage for submissions to identify the right market and reduce turnaround time Examples of Fit You might have a private client who owns a carefully cataloged small collection of contemporary paintings and needs agreed-value insurance for in-home display and international transit for an upcoming exhibit. You might represent a regional gallery that needs a single policy covering on-premises collections, consigned items in transit to buyers, and exhibition coverage for a traveling show. To discuss a submission or get pre-qualification guidance, contact Phoenix Risk Management’s FACE team. Call PRM Toll Free at (855) 922-0800 or email [email protected]. Frequently Asked Questions What types of fine art and collectibles accounts does FACE prefer?FACE prefers well-documented private collections, galleries, dealers, museums and wine collectors where valuations, provenance and security/storage practices are available for review. Scheduled high-value items and exhibition programs are typical fits. What documentation should I include with a submission?Provide a detailed schedule of items with valuations or appraisals, photographs for higher-value pieces, details of storage and transit arrangements, and loss history. The more complete the submission, the faster we can identify the right market. Is coverage available for international transit and exhibitions?Yes — FACE offers worldwide transit and exhibition coverage through its specialty markets, subject to underwriting review and any country-specific restrictions from the insurer. What is the program’s minimum premium?The program’s stated minimum premium is $1,500. Individual carriers may have additional minimums or specific terms depending on risk characteristics. Which carriers do you place FACE business with?PRM places FACE risks with specialty carriers including AXA Art Insurance, XL Specialty Insurance, Markel, and Great American, selecting the market that best matches the account’s needs. Need help placing an account? Connect with a market specialist.

... artists (painters, sculptors, photographers, printmakers, mixed-media artists...

Workers’ compensation can be a major hurdle for small business owners. Many states require it, but cost and administrative complexity often put coverage out of reach—especially for sole proprietors, independent contractors, and micro-businesses with minimal payroll. Easy Small Business Workers’ Compensation from SolePro SolePro helps agents and brokers place affordable workers’ compensation for micro and small businesses that struggle to find traditional options. The program is built for fast placement: you can quote, sign, bind, and pay through SolePro’s online platform. Whether your client only needs a certificate of insurance to win a contract or needs a tailored policy for a small payroll, SolePro’s options reduce friction and avoid unnecessary Assigned Risk placements. Ideal Accounts and Appetite This program is designed for a range of small-business accounts, including: Sole proprietors and one-person LLCs (with or without owners included) Independent contractors who need a COI Very small businesses with 1–5 employees Startups and new ventures with limited payroll history Restrictions: Any business that regularly uses subcontractors or day laborers is not eligible for this program. Coverage Options and Highlights SolePro offers three straightforward coverage options to match client needs and budgets: Solo X Minimum-premium workers’ comp for businesses with no employees Owner/sole proprietor is excluded from coverage Includes a 24-hour accident policy Fast online application — sign, bind, and pay in minutes Solo I Affordable workers’ comp for businesses with no employees Owner is included in coverage Optional accident policy Direct bill and payment plans available Plus Flexible workers’ comp for businesses with employees Owners may be included or excluded by choice Employees are automatically covered Optional accident policy Direct bill and payment plans available Why Agents and Brokers Use SolePro SolePro’s platform and underwriting focus make it easier to place small, difficult-to-place accounts. Key advantages: Streamlined online quoting and binding — reduces turnaround time Stable programs aimed at reducing mid-term audits and frequent carrier changes Access to both admitted and non-admitted capacity depending on the state Underwriting specialists experienced in micro-business risk profiles Underwriting Notes and Minimum Premium Programs start at a minimum premium of $750. Underwriting is designed for speed: many simple accounts can be quoted and bound quickly via the SolePro portal. Coverage placement (admitted vs. non-admitted) varies by state and is determined during the quote process. Example Accounts That Fit A freelance photographer who needs a COI to contract with a venue and has no employees — Solo I or Solo X may provide the needed documentation without costly excess premium. A new café with two employees looking for stable, entry-level workers’ comp and flexible billing — the Plus option can include employees and offer payment-plan options. States Where Coverage Is Available SolePro’s Small Business Workers’ Compensation program is currently offered in the following jurisdictions: AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI Get Started To learn more, reach out to SolePro or become an appointed agent today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sole proprietors, independent contractors, startups, and small businesses with up to a few employees that need affordable workers’ comp coverage or a COI. Can owners choose whether to be included in coverage?Yes. The Solo X option excludes the owner, Solo I includes the owner, and the Plus option allows owners to choose inclusion or exclusion. Are subcontractors or day laborers eligible?No. Businesses that use subcontractors or day laborers are not eligible for any of the SolePro workers’ comp programs. Is this program available in all states?No. Availability varies by state; check the full list above for where the program is offered. How quickly can I bind coverage for my client?SolePro’s online platform is designed for speed — you can often quote, sign, bind, and pay in just a few clicks for eligible accounts. Need help placing an account? Connect with a market specialist.

McGowan Program Administrators Real Estate and Hospitality Umbrella Insurance McGowan Program Administrators offers a robust Umbrella Insurance program tailored specifically for real estate and hospitality businesses. Designed to help insurance agents and brokers place excess liability coverage for a wide range of commercial property and hospitality risks, this program delivers high-limit protection for clients with growing exposure concerns. Ideal Accounts and Appetite This program is ideal for agents seeking umbrella solutions for clients in the following sectors: Apartments Hotels and Motels Light Industrial Facilities Office Buildings and Office Condominiums Shopping Centers and Strip Malls Timeshares Warehouses Whether you're working with a growing apartment complex or a regional hotel chain, this program provides scalable umbrella coverage tailored to your clients' operations. Coverage Highlights and Advantages McGowan’s Real Estate and Hospitality Umbrella Insurance program offers flexible coverage options and several enhancements that set it apart: Limits from $1MM to $100MM to meet a wide range of exposure needs Defense Costs Outside the Limits for added protection No Shared Limits—each insured receives their own policy and policy number Aggregates Per Location to support multi-location risks No Exclusion for Real Estate Managers Available “follow form” coverages include: Automobile Liability Employers Liability Employee Benefits Liability Liquor Liability These features make the program a smart fit for insureds who need tailored umbrella protection that mirrors their primary policies. Underwriting Notes Minimum required underlying rating: B++ / VI or better Carriers vary depending on state and risk profile Defense costs are handled outside the limits, preserving the umbrella capacity This program is underwritten by McGowan Program Administrators, a trusted Managing General Underwriter with deep experience in the real estate and hospitality sectors. Territories and Availability McGowan’s Real Estate and Hospitality Umbrella Insurance program is available in all 50 states, including Washington DC. Whether your client is located in California, Texas, New York, or anywhere in between, this program can accommodate a broad geographic footprint. Why Work With McGowan Program Administrators? McGowan Program Administrators brings specialized underwriting expertise to each submission. With access to a variety of carriers and extensive experience in real estate and hospitality risks, they provide fast turnaround and tailored coverage options that meet your clients’ needs. Their commitment to no shared limits and aggregates per location helps safeguard each insured’s unique exposure, especially in multi-property portfolios. If you're looking to place umbrella coverage for apartment complexes, hotels, or commercial real estate portfolios, McGowan offers a reliable, scalable solution. Contact McGowan today to discuss your client's specific needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartments, hotels, office buildings, shopping centers, warehouses, and other real estate or hospitality risks seeking excess liability coverage. What are the available coverage limits?Limits range from $1 million to $100 million, offering flexible options to meet your clients' needs. Are the umbrella policies shared between insureds?No. Each insured receives their own individual policy and policy number—there are no shared limits. Is the program available nationwide?Yes. This program is available in all 50 states and Washington DC. What underlying carrier rating is required?The required underlying carrier rating is B++ / VI or better. Need help placing an account? Connect with a market specialist.

...ervices Graphic designers, photographers, and interior designers Event...

SPECIAL EVENTS LIABILITY INSURANCE For NC and VA We are your go-to market for Special Events — BIG or SMALL! Don't let your clients' special events be left uncovered. Agents Insurance Markets, Inc. offers competitive special events liability options designed to give you and your insureds peace of mind. We work with reputable carriers to provide market-responsive coverage and prompt service — contact one of our experienced staff members for a fast quote on your next event placement. Reasons we are your market of choice for Special Events Liability: Comprehensive General Liability coverage tailored for temporary events Includes spectator and products liability where applicable Short-term policies or scheduled annual terms available Additional insured endorsements offered for venues and sponsors Low minimum premiums to accommodate one-off events Sample of Eligible Classes: Bazaars Exhibitions Auctions Reunions Concerts Dances Craft Shows Trade Shows Antique Shows Beauty Pageants Weddings / Receptions Yard Sales Golf Tournaments Parades Seasonal Events — haunted attractions, pumpkin sales, Christmas tree lots Product Highlights: General liability limits available up to $5,000,000 Excess coverage options available Dedicated underwriting and customer service for event placements Occurrence-form policies Defense costs paid outside the limit Overview of the Program from Agents Insurance Markets, Inc. This Special Events Liability program is offered through Agents Insurance Markets, Inc., a managing general agency that places temporary-event exposures with admitted and non-admitted carriers as allowed. The program is built to be flexible for short-term single-event placements or scheduled annual programs for clients that run multiple events. Underwriters are experienced with venue, vendor and spectator exposures common to community, commercial and private events. Ideal Accounts and Appetite This program is a good fit for agents who handle community and commercial events with moderate general liability exposures. Typical accounts include: Local festivals and seasonal attractions Trade and craft shows Weddings, receptions and private parties Fundraisers, bazaars and charity events Small- to mid-size concerts, reunions and parades Golf tournaments and similar sporting fundraisers Accounts with routine vendor booths, spectator areas and limited alcohol service are routinely considered. Events involving professional stunts, large-scale pyrotechnics, permanent amusement rides, or stadium-level exposures may require a referral to specialized markets or be ineligible. Coverage Highlights and Advantages Limits up to $5M and excess layers to match event scale Flexible term options — single-day, multi-day or scheduled annual coverage Additional insured wording for venues, promoters and sponsors Occurrence form with defense outside the limit improves protection for insureds Competitive, low minimum premiums suitable for one-off events Underwriting Notes and Placement Guidance When submitting, provide the event date(s), location, estimated attendance, description of activities, vendor operations, alcohol service details (if any), and any venue contract requirements for additional insured or waiver of subrogation. Photographs or site diagrams are helpful for unfamiliar locations. Larger exposure events or those with high-liability activities may require supplemental underwriting information or subcontracting to specialized entertainment markets. Territories and Availability This program is available for placements in North Carolina (NC), Virginia (VA) and the District of Columbia (DC). Availability and admitted/non-admitted placement will depend on the carrier and state filing status; Agents Insurance Markets, Inc. will advise on the appropriate placement options for each risk. Why Work With Agents Insurance Markets, Inc. on Special Events Specialized event underwriting — faster, pragmatic decisions for temporary exposures Access to multiple carrier partners to match limits and terms to the event Hands-on support for endorsements such as additional insured and certificate wording Responsive quoting for last-minute or condensed timelines Example placements you might submit: a community nonprofit hosting an annual craft fair with 1,200 attendees seeking a one-day policy with additional insured status for the town, or a wedding planner needing liability for a weekend reception at a rented venue. Frequently Asked Questions What types of events are a good fit for this program?Community festivals, craft and trade shows, fundraisers, weddings/receptions, small concerts, parades and similar short-term events are a strong fit. Events with routine vendors, spectator areas and limited alcohol service are typically eligible. Can I add a venue or sponsor as an additional insured?Yes. Additional insured endorsements are available; be sure to include the venue or sponsor name and any specific language required in the submission so we can mirror contract obligations where possible. How much lead time do you need for a quote?We can often provide quotes quickly for routine events. Provide event date(s), location, estimated attendance, a description of activities and any vendor/alcohol details — the more complete the submission, the faster we can respond. Are limits and excess layers available?Yes. Limits are available up to $5,000,000 with excess coverage options depending on the carrier and the event’s risk profile. Need help placing an account? Connect with a market specialist.