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Professional sports teams can benefit from the ... Common Associated Exposures: Professional sports teams in the following a...

K&K' school athletic insurance provides unique insurance programs for all levels of intercollegiate and interscholastic sports activities. Eligible Operations for School Athletic Insurance: - High School Athletic Conference insurance - Jr. College Athletic Conference insurance - Collegiate Athletic Conference insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-audited policy - No deductible - Bodily Injury definition redefined - Crisis Response Coverage - Volunteers as Additional Insureds - Legal Liability to Participants - Employee Benefits Liability - Sponsors, lessors as Additional Insureds - Sexual Abuse & Molestation Endorsement - per perp form (optional - subject to qualification based on minimum underwriting criteria and guidelines) Property - Over 25 coverage enhancements - Equipment Breakdown - Business Interruption Inland Marine Crime Commercial Auto Directors' and Officers' Liability including Employment Practices Liability Excess Liability Accident Medical (Participant Accident) - High School Athletics - College Athletics Catastrophic Accident Medical - High School Athletics - College Athletics Event Cancellation & Non-appearance (provided through Showstoppers) Workers' Compensation 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

High School Athletic Associations Insurance Program High school athletic associations set standards for safety, competition and fairness across scholastic sports. American Specialty Insurance & Risk Services offers a tailored insurance program for these organizations — combining admitted capacity, program-specific forms, and underwriting expertise to help agents place complex scholastic-athletics risks. Ideal Accounts and Eligible Operations This program is written for organizations and events governed by high school athletic associations. Typical, eligible operations include: State and regional athletic associations Seasonal and statewide tournaments Fundraisers, banquets and all-star games Scholastic competitions and intramural programs School clubs and coach/official activities Owned or managed stadiums, arenas, and event venues If you represent a state association, an event organizer, or a school district that runs multi-day tournaments, this program is designed to match those exposures. Coverage Highlights and Advantages American Specialty provides access to admitted coverage in all available states through carriers rated “Excellent” or higher by A.M. Best. Core program advantages for agents include: Admitted coverage in all 50 states + DC — simplifies placement and compliance Program-specific forms and rating built for scholastic athletics Non-auditable policy options for easier administration 24-hour claims service and dedicated, in-house claims team Underwriting and risk management support targeted to sports exposures Optional coverages to match common exposures (see list below) These features help reduce friction at bind and renewal, and provide consistent handling for seasonally heavy exposures. Program Coverages Available coverages and extensions include: General Liability Participant Legal Liability Volunteers named as Additional Insureds Sexual Abuse and Molestation Excess / Umbrella Liability Liquor Liability for events and fundraisers Automobile Liability Property and Inland Marine for owned/leased venues Crime Coverage Employee Benefits Liability Participant Accident Medical and Catastrophic Medical Workers’ Compensation (where available) Deductible / SIR options to suit different risk tolerances Underwriting Notes and Minimum Premiums Programs are underwritten in-house by American Specialty’s sports and recreation team, enabling fast turnarounds and case-specific terms. Minimum premiums vary by account size, operations, and limits; discuss specifics with underwriting for accurate indications. Common underwriting considerations include: Scope and frequency of events (single event vs. ongoing season) Venue ownership and maintenance practices Use of volunteers and officials, background screening procedures Medical and emergency response plans History of sexual abuse/molestation or participant claims Territories and Availability This program is available on an admitted basis in all 50 states and the District of Columbia, 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, WV, WI, and WY. Why Work With American Specialty Insurance & Risk Services As a Managing General Underwriter focused on sports and recreation, American Specialty combines deep underwriting expertise with in-house claims, risk management, and policy administration. That centralized service model helps agents place accounts faster and manage renewals more predictably. You might use this program when: You have a state association that needs admitted GL and participant liability limits for a full season of events. One of your school district clients runs a regional tournament at an owned stadium and needs property, auto and liquor liability packaged together. For complex schedules, multi-state tournaments, or associations that host high-exposure events, American Specialty offers tailored terms and collaborative underwriting to help close the business. Frequently Asked Questions What types of accounts are a good fit for this program?State high school athletic associations, event organizers, facilities that host scholastic sports, and school districts running tournaments are ideal candidates. Is this program available in all states?Yes — American Specialty offers this program on an admitted basis in all 50 states and the District of Columbia. What coverages can I package for an association?Common packages include general liability, participant accident medical, sexual abuse/molestation, property, crime, auto, excess/umbrella, and liquor liability for events. Does American Specialty handle claims and endorsements in-house?Yes — underwriting, claims, and policy administration are managed in-house to provide faster, consistent service throughout the policy term. Need help placing an account? Connect with a market specialist.

K&K offers insurance solutions for state high school athletic association, high school all-star games, events, fundraisers, and other sports association activities - Minimum Premium: $3,500 Eligible Operations for State High School Athletic Association Insurance: - High School Athletic Conferences - High School Athletic Associations Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Non-audited policy - No deductible - Bodily Injury definition redefined - Crisis Response coverage - Volunteers as Additional Insureds - Legal Liability to Participants - Employee Benefits Liability - Sponsors, lessors as Additional Insureds - Sexual Abuse and Molestation Endorsement - per perp form (optional - subject to qualification based on minimum underwriting criteria and guidelines) Property - Over 25 coverage enhancements - Equipment Breakdown - Business Interruption Inland Marine Crime Commercial Auto Directors' and Officers' Liability including EPLI Excess Liability Accident Medical (Participant Accident) - K-12 (mandatory and voluntary) including Athletics Catastrophic Accident Medical - K-12 Including Athletics Event Cancellation and Non-appearance (provided through Showstoppers) Workers' Compensation 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

McGowan Excess & Casualty Educational - Schools Umbrella Insurance McGowan Excess & Casualty offers a focused Educational - Schools Umbrella Insurance program built for school systems, colleges, and other training organizations. As a managing general underwriter (MGU) with broad carrier access, McGowan provides excess and umbrella capacity to protect institutions from catastrophic liability that exceeds primary policy limits. The program is structured to handle the unique campus, extracurricular, and employment-related exposures that educational entities face across all 50 states and Washington, DC. Ideal Accounts and Appetite Eligible Classes: Public and private school districts Charter schools and multi-campus charter systems Colleges and universities Trade, vocational, and technical schools Miscellaneous training facilities This program is best for institutions that need high-limit liability protection above their primary policies. Typical fits include campus environments with significant athletic, student housing, transportation, or research exposures, as well as multi-campus charter organizations and regional training centers expanding operations. Coverage Highlights and Advantages Products Offered: Commercial umbrella liability Follow form excess liability Available Limits: Umbrella: From $1M up to $100M Excess: Additional layers available from $1M to $100M over lead umbrellas The program helps manage catastrophic risk from student activities, athletic events, campus transportation incidents, and employment practice claims. Follow form excess options preserve continuity with the underlying policies, simplifying layer structure and claims handling for brokers and insureds. Underwriting Notes and Carrier Requirements McGowan generally requires underlying carriers to carry an A- (or equivalent VII) rating or better. Exceptions for Employment Liability carriers may be considered based on the account’s overall risk profile and structure. Underwriting review focuses on loss history, risk management practices, student and staff exposures, and the quality of primary carriers to ensure alignment with participating markets. No formal minimum premium is listed; pricing is determined by account size, exposure profile, limits requested, and the underlying program structure. Territories and Availability This program is available in all 50 states and Washington, DC, 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, WV, WI, and WY. Why Work With McGowan Excess & Casualty McGowan brings deep experience placing complex liability layers and access to multiple excess/umbrella carriers that can write large limits—up to $100M. Their underwriting team understands the operational and legal exposures specific to educational institutions and works with brokers to structure layered programs that match the client’s risk profile and budget. McGowan’s flexibility and carrier relationships make them a strong option for difficult placements that need higher limits or tailored follow-form solutions. Example scenarios that often fit this program: A regional trade school expanding to multiple campuses that needs consistent umbrella limits across locations. A public university seeking large excess layers to address athletic events, student housing, and intercollegiate travel exposures. If you have an educational account—whether a growing charter network, a private college, or a vocational training center—McGowan can provide umbrella capacity and underwriting support to help you place the business. For more information on Educational - Schools Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include school districts, charter schools, colleges, universities, trade schools, and training facilities that require higher liability limits than standard primary policies provide. What are the available policy limits?Umbrella limits begin at $1M and can be placed up to $100M. Excess layers can also be structured over lead umbrellas within the same range. Is this program available in all states?Yes. The Educational - Schools Umbrella Insurance program is offered in all 50 states and Washington, DC. What are the underwriting requirements for underlying carriers?Underlying carriers are typically expected to have an A- (or VII) rating. Exceptions for Employment Liability carriers may be made depending on the overall risk and program structure. Who should I contact to get a quote or submit an application?Please reach out to McGowan Excess & Casualty directly for submission guidelines and quoting assistance. Need help placing an account? Connect with a market specialist.

K&K offers both short term professional and amateur sport event insurance ...Amateur sports event insurance - Professional sport event insurance Covera...