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Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: 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. Some county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.

... organizations managing multiple residences and service models. Ideal Accoun...

American Specialty offers tailored insurance solutions for Themed Attractions. From amusement parks and family entertainment centers to museums and botanical gardens, these venues carry unique exposures. Our program helps you secure coverage designed for the operational and liability risks common to this niche industry. Ideal Accounts and Appetite American Specialty’s Themed Attractions Insurance program accommodates a wide range of entertainment and attraction-based operations. Typical eligible classes include: Family Entertainment Centers (FECs) Walk-through and interactive attractions Tourist attractions and historic/cultural exhibits Amusement parks and seasonal attractions (e.g., haunted houses) Caves, natural attractions and botanical gardens Science museums and other year-round interactive exhibits If you represent a client that operates attractions with public access, interactive components, or large seasonal crowds, this program is designed to provide flexible protection suited to those exposures. Coverage Highlights and Advantages The program is supported by carriers rated “Excellent” or higher by A.M. Best and offers admitted coverage in all available states. Key coverages and advantages include: General Liability tailored for public-entry and participant exposures Participant Legal Liability for interactive activities Volunteers included as additional insureds where appropriate Excess/Umbrella Liability capacity Liquor Liability for venues that serve alcohol Automobile and Property coverage options Crime and Employee Benefits Liability coverages Tenant User Liability for leased spaces within larger complexes Workers’ Compensation options and deductible / SIR flexibility Program-specific forms and rating plans are used to tailor coverage to the operational profile of each attraction. Agents benefit from 24-hour claims service and full in-house capabilities for underwriting, claims, risk management, and policy administration. Online quoting and servicing resources are available to streamline placement. Underwriting Notes and Minimum Premiums Minimum premiums vary by class, size, and operations. Underwriters evaluate submissions on a case-by-case basis to set appropriate pricing and terms. Strong risk management practices—clear procedures for crowd control, employee training, incident documentation, and maintenance—improve the chances of placement. Accounts with prior claims are reviewed based on severity, frequency, and corrective measures implemented. Territories and Availability This program is available on an admitted basis in all 50 states and the District of Columbia, providing a consistent regulatory platform for clients operating across multiple jurisdictions. Why Work With American Specialty American Specialty Insurance & Risk Services is a Managing General Underwriter focused on entertainment and attraction risks. Our underwriting team combines niche expertise with practical, responsive service. By handling underwriting, claims management, policy administration, and risk management in-house, we help agents place complex attraction risks more efficiently and with greater certainty. Examples of accounts that fit well: A regional family entertainment center seeking general liability, property, and liquor liability on an admitted policy with flexible deductible options. A seasonal walk-through attraction that needs participant legal liability, volunteers coverage, and umbrella limits to protect against large third-party exposures. To learn more, visit our Company Profile or start placing business today. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amusement parks, family entertainment centers, seasonal attractions, museums, and other themed tourist destinations with interactive or walk-through components. Is this program available nationwide?Yes — coverage is admitted and available in all 50 states and the District of Columbia. What carriers back the program?The program is supported by carriers rated “Excellent” or better by A.M. Best. Available markets may vary by risk and state. Do you offer in-house underwriting and claims services?Yes. American Specialty provides in-house underwriting, claims management, policy administration, and risk management services for this program. Are there minimum premium requirements?Minimums vary by type and size of operation. Each submission is reviewed individually to determine appropriate pricing. Need help placing an account? Connect with a market specialist.

Ice rinks are more than surfaces for skating—they are community hubs for recreation, lessons, leagues and events. American Specialty Insurance & Risk Services offers a focused Ice Rinks Insurance program that addresses the specific operational, liability, and property risks these facilities face. Eligible Operations for Ice Rinks Insurance Ice Skating Rinks Figure Skating Facilities Special Events on Ice Sports Complexes with Ice Activities Adult and Youth Hockey Leagues Civic Centers with Ice Arenas Ice Hockey Tournaments Exhibitions and Ice Shows Program Highlights for Ice Rinks Insurance “Excellent” or Higher A.M. Best Rated Carrier Admitted Coverage Available Program-Specific Forms and Rates Non-Auditable Policy Options 24-Hour Claims Service In-House Underwriting and Claims Management Dedicated Risk Management Support Streamlined Policy Administration Online Resources and Risk Tools Comprehensive Coverage Options General Liability Participant Legal Liability Excess/Umbrella Liability Liquor Liability Commercial Auto Property Coverage Crime Insurance Employee Benefits Liability Participant Accident Medical Catastrophic Medical Coverage Workers Compensation Flexible Deductible and SIR Options Program Overview American Specialty’s Ice Rinks Insurance program is built for agents who place risks for public and private skating facilities. The program combines admitted paper, specialized forms, and an underwriting team familiar with the operational nuances of rinks—ice maintenance, participant exposures, concessions and event operations. You can place accounts that host public skate sessions, youth and adult hockey, figure skating lessons and competitions, seasonal shows, and private rentals. Ideal Accounts and Appetite This program is a fit for a wide range of rink operations, including community-owned arenas, privately operated facilities, and multi-use sports complexes with ice operations. Typical accounts we place include: Community rinks used by schools, clubs and learn-to-skate programs Private rinks that host birthday parties, shows and seasonal events Arenas that operate youth and adult hockey leagues or regional tournaments Accounts with sophisticated risk management, trained rink staff, clear participant waivers (where appropriate), and routine maintenance programs are preferred. High-hazard operations with uncontrolled ATV/vehicle access to the ice, unusual stunts, or extensive vacant/unmaintained property may require additional review or be outside appetite. Underwriting Notes and Minimum Premiums Underwriting is handled in-house by American Specialty, which enables faster, consistent decision-making and flexible policy structures. Minimum premiums vary by state, size and operations—reach out to the underwriters for specific quoting requirements. The program supports non-auditable premium options and flexible deductible/SIR structures to match client needs. Territories and Availability The Ice Rinks Insurance program is available nationwide, including all 50 states and Washington, D.C. Admitted coverage is available through A.M. Best “Excellent” (or higher) rated carriers, giving agents dependable placement options across jurisdictions. Why Work With American Specialty? As a Managing General Underwriter with deep niche sports and recreation expertise, American Specialty offers targeted programs, in-house claims handling, and risk management support tailored to skating operations. Their team understands the exposures unique to rinks and works with agents to structure cohesive packages that combine liability, property, participant medical and excess solutions. Example scenarios: You might have a municipality that needs admitted coverage for a multi-use civic arena hosting youth hockey and public skate sessions; or a privately operated rink that wants combined general liability, participant accident medical and liquor liability for on-site events. American Specialty can evaluate both and propose program-specific terms. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include public or private ice skating rinks, hockey arenas, figure skating venues, and civic centers with seasonal or year-round ice facilities. Both youth and adult leagues are eligible. Is this program available in all states?Yes, the Ice Rinks Insurance program is available in all 50 states and Washington, D.C. Does this program offer admitted coverage?Yes, the program is offered on an admitted basis, providing added security and regulatory compliance. Who underwrites and manages the policies?All underwriting, claims, and policy administration are handled in-house by American Specialty, offering consistent service and streamlined processing. What is the minimum premium for this program?Minimum premiums vary depending on the type and size of the operation. Contact American Specialty for specific underwriting details. Need help placing an account? Connect with a market specialist.

American Specialty is proud to be the only IAAPA-endorsed insurance provider for amusement parks. We specialize in the risks that come with operating rides, attractions, inflatables, and special events. The Amusement Parks Insurance program packages underwriting, claims, and risk management expertise into market-ready solutions that help agents place and retain complex entertainment accounts with confidence. Eligible Operations for Amusement Parks Insurance Mechanical Rides Family Entertainment Centers (FECs) Ice Skating Rinks Midways and Fairgrounds Special Events and Festivals Exhibitions / Expositions Theme Parks (permanent & seasonal) Laser Tag Arenas Tourist Attractions and Scenic Rides Program Highlights for Amusement Parks Insurance A.M. Best “Excellent” or higher carriers Admitted paper where applicable Program-specific forms and rates Non-auditable policy options 24-hour claims service In-house underwriting, claims, risk management and policy administration Online resources and tools for agents Program Coverages for Amusement Parks Insurance General Liability Contingent Fireworks Liability Excess / Umbrella Liquor Liability Commercial Auto Property (including attraction equipment) Crime Employee Benefits Liability Workers’ Compensation Deductible / SIR options Why Choose American Specialty As a Managing General Underwriter with decades of experience in the amusement and entertainment industries, American Specialty offers a specialized approach to underwriting, claims handling, and risk control. Our team understands the operational, mechanical, and spectator risks these accounts present and structures coverages that address both common and complex exposures. We support agents with market access plus technical guidance to place and maintain profitable accounts. Territories and Availability This program is available in all 50 states and Washington, D.C. Admitted coverage is offered where applicable through A.M. Best “Excellent” rated carriers. We can underwrite accounts across urban and rural markets, including seasonal operations in high-tourism states. Underwriting Notes and Minimum Premiums Minimum premiums vary by operation type, size, and exposures. Submissions should include current loss runs, equipment inspection/maintenance documentation, and an operations description. Our in-house underwriters provide quick reviews and will advise on minimums, deductible/SIR options, and attachment points for excess placements. Ideal Accounts and Appetite We are actively seeking: Permanent and traveling amusement parks and midways Indoor and outdoor family entertainment centers with multiple attractions Tourist attractions, scenic and seasonal rides Ice rinks, laser tag arenas, and similar indoor attractions Special events and festivals that include rides, inflatables, or fireworks Accounts with disciplined maintenance programs, documented ride/attraction inspections, and trained staff receive the most favorable terms. We can consider a wide range of risks but typically decline unlicensed ride operations, accounts without maintenance records, or operations involving permanently installed high-speed thrill rides lacking manufacturer documentation. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include amusement parks, family entertainment centers, laser tag arenas, ice rinks, and seasonal events that feature rides, inflatables, or attractions. Is this program available nationwide?Yes. The Amusement Parks Insurance program is available in all 50 states and Washington, D.C. What coverages are included in the program?Coverages can include General Liability, Property, Workers’ Compensation, Liquor Liability, Auto, Excess/Umbrella, Crime, and other specialty endorsements tailored to amusement operations. What is the minimum premium for this program?Minimum premiums depend on the operation type and risk profile. Contact our underwriting team for pricing guidance and expected minimums for your submission. Why work with American Specialty?American Specialty is the only IAAPA-endorsed provider in this space. We provide in-house underwriting, claims handling, and risk management with deep amusement industry expertise to help you place and retain these accounts. Need help placing an account? Connect with a market specialist.

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...s can place primary and vacation residences — including properties with comple... insure vacation homes or secondary residences?Yes. Home Select covers both primary and vacation/seasonal residences, including coastal and wildfire...