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Overview Brown & Riding offers a flexible Special Events Insurance program designed for one-day, multi-day, or annual event exposures. Policies are available through excess & surplus markets and are intended for events with up to 10,000 attendees or up to 10,000 alcohol consumers per day. This program pairs broad general liability and liquor liability capacity with quick turnaround for bound business when completed Special Event and Liquor Supplemental applications are provided. Eligible exposures Brown & Riding underwrites over 100 classes of special events. Common and well-suited account types include: Beer gardens / beer tents and alcohol-served events Conventions and trade shows Motor vehicle events and tournaments Concerts, music performances, and festivals Parades, rodeos, and sporting events Fundraisers, parties, auctions, arts & crafts fairs, and shows Event cancellation protection (permitted on a case-by-case basis) Ineligible risks (typical) The program declines high risk attractions and activities, including: Political conventions Parachute jumping White water or wind surfing Pyrotechnics or fireworks displays Coverage highlights & advantages Key features of this Special Events Insurance program: General Liability and Liquor Liability capacity up to $3,000,000 (limits influenced by attendee counts and state) Access to A-rated carriers through Brown & Riding’s market relationships Quick quote turnaround when the completed Special Event and Liquor Supplemental applications are provided Optional extra days for set up and take down Underwriting notes & minimums Underwriters will consider attendee counts, alcohol service, venue type (indoor vs. outdoor), security plans, traffic/control measures, and vendor contracts. Completed supplemental applications reduce turnaround time. This program is placed through excess & surplus lines; Brown & Riding operates as a general agency and E&S broker for these accounts. Minimum premium: $350. Territories and availability Available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. Coverage availability and terms can vary by state and by carrier. Why place events with Brown & Riding Brown & Riding combines specialized event underwriting expertise with access to multiple A-rated E&S markets. The program is geared toward agents who need fast responses, flexible options for liquor exposures, and capacity for larger attendee counts. You’ll find competitive limits for both general and liquor liability and practical options for event setup/takedown days. Example accounts A county music festival seeking $2M general liability and liquor liability for weekend operations with on-site beer tents and security plans. A nonprofit gala with a wine/beer bar requesting a one-day liquor liability policy and extra hours for vendor load-in and load-out. Contact Brown & Riding through CompleteMarkets for quotes and submission requirements for Special Events Insurance. Frequently Asked Questions What types of events are the best fit for this program?The program fits a wide range of public and private events: festivals, concerts, trade shows, fundraisers, beer gardens, sporting events, parades, and similar gatherings—especially when there is alcohol service and attendance is below the program’s attendee thresholds. How does the program handle liquor liability?Liquor liability capacity is available up to $3,000,000 each common cause / $3,000,000 aggregate depending on the number of alcohol consumers and the state. A completed Liquor Supplemental application is required for prompt consideration. What are the common submission requirements?Underwriters typically request a completed Special Event application, Liquor Supplemental (if alcohol is served), expected attendance, security and medical plans, vendor contracts, and details on set up/take down. Providing these up front speeds quoting. Is this program admitted or non-admitted?This Special Events program is placed through excess & surplus lines markets via Brown & Riding as a general agency and E&S broker. Availability and specific forms depend on the state and carrier. Need help placing an account? Connect with a market specialist.

Quick Quote Non Profit D&O (NFP D&O) Brown & Riding provides a fast, agent-friendly solution for placing Directors & Officers (D&O) liability coverage for non-profit organizations. The Quick Quote Non-Profit D&O program is designed for speed, simplicity, and flexibility—delivering rapid preliminary quotes with minimal initial underwriting so you can move clients toward coverage quickly. Overview of the Program From Brown & Riding This program is tailored specifically for non-profit organizations seeking D&O protection. Using Brown & Riding’s online quick-quote form you can receive a preliminary quote within 4 business hours, provided there is no prior D&O coverage or open/pending claims. Only seven initial questions are required to get started; a full application is required prior to binding. Ideal Accounts and Appetite The program is suitable for most non-profit classes and is available in the majority of states. There is no employee-count minimum, so small and mid-sized non-profits are welcome. Typical account types that fit include: Charitable organizations Community outreach groups Educational foundations Arts and cultural non-profits Advocacy and public service organizations Example scenarios: you might have a small community arts nonprofit with a volunteer board that needs cost-effective D&O limits, or a mid-size education foundation seeking quick placement while a full application is completed. Coverage Highlights and Advantages Preliminary quote turnaround—typically within 4 business hours Streamlined online submission with only seven initial questions Available for most non-profit classes and in most states No employee minimums—appropriate for very small organizations Designed to protect directors, officers and the organization for management, fiduciary, and employment-related exposures This program is intended to reduce friction on straightforward accounts while still offering access to appropriate markets for full placement once the application is complete. Underwriting Notes and Minimum Premium A quick quote requires answers to seven initial questions in the online form. Quotes are contingent on no prior D&O coverage and no pending/open claims. A complete application must be submitted and reviewed before binding. Minimum premium for the program starts at $500. Territories and Availability The Quick Quote Non-Profit D&O program is available in most U.S. states, including: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Check with Brown & Riding for any state-specific considerations. Why Work With Brown & Riding? Brown & Riding is a respected general agency and excess & surplus lines broker with access to multiple carrier markets for non-profit D&O. Agents benefit from fast response times, a streamlined online quoting process, and underwriting that understands the budgetary and governance realities of non-profits. Our team supports you through quote, application and placement to help close business efficiently. Submit online today using our quick quote form: http://www.brownandriding.com/nfp-quick-quote/ For questions or assistance, contact Lisa Rodriguez at (206) 816-6725 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for most non-profit organizations, including charities, foundations, community outreach programs, and advocacy groups. How fast can I get a quote?Preliminary quotes are typically returned within 4 business hours of submission, provided there is no prior D&O coverage or open claims. What information is required to get started?Only seven initial questions are required in the online quick-quote form to receive a preliminary quote. A full application is required before binding. Are there any restrictions on the number of employees?No—there is no employee threshold. The program accepts submissions from non-profits of all sizes. Is this program available in my state?The program is available in most U.S. states. Contact Brown & Riding for confirmation if you have a state-specific question. Need help placing an account? Connect with a market specialist.

Employment Practices Liability (EPL) for Companies Under 100 Full-Time Equivalent Employees Brown & Riding offers a targeted Employment Practices Liability (EPL) insurance solution designed specifically for companies with fewer than 100 full-time equivalent employees. With access to over 20 markets and a flexible underwriting approach, we help agents and brokers place EPL coverage for a wide range of private businesses across most states. Ideal Accounts and Appetite This program is ideal for small to mid-sized private companies that may not have dedicated HR or legal departments but still face significant exposure to employment-related risks. We are particularly interested in accounts from industries such as: Professional services Retail and hospitality Light manufacturing Healthcare practices Nonprofits and social services You might have a client who runs a regional retail chain or a growing tech startup—both could be strong fits for this program if they employ fewer than 100 full-time equivalent staff. Coverage Highlights and Advantages We can work with applications already completed by your insured or you can use our short-form EPL application to speed up the process. Our market access allows us to pursue valuable enhancements, including: FLSA (Fair Labor Standards Act) Sub-Limit options Additional Defense Cost coverage Third Party EPL coverage for claims involving customers, vendors, or other non-employees We aim to structure the coverage based on each insured’s specific exposures and risk tolerance. Underwriting Notes and Minimum Premiums This program typically starts at a minimum premium of $900, making it accessible for smaller organizations. Our underwriting team is flexible and responsive, and we can tailor quotes based on current underwriting trends and your client’s unique situation. Send completed applications or questions directly to Lisa Rodriguez at (206) 816-6725 or [email protected]. Territories and Availability We offer this EPL solution on a non-admitted basis in most states, including but not limited to: CA, TX, FL, NY, WA, NJ, and IL. The program is available in over 45 states and the District of Columbia, providing wide geographic access for your clients. Why Work With Brown & Riding As a nationally recognized general agency and E&S broker, Brown & Riding brings deep expertise and strong carrier relationships to help you navigate EPL placements with confidence. Our team understands the nuances of employment liability exposures and can facilitate coverage even for harder-to-place or niche businesses. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for private companies with under 100 full-time equivalent employees, including professional services firms, healthcare providers, nonprofits, and light manufacturing operations. Can I submit my client’s existing EPL application?Yes, we accept existing completed EPL applications or you can use our simplified short-form application to expedite processing. What coverage enhancements are available?Optional enhancements may include FLSA Sub-Limits, Additional Defense Costs, and Third Party EPL coverage, depending on underwriting approval. Is the program available in my state?The program is available in most states, including AL, CA, FL, NY, TX, WA, and many others. Contact us to confirm availability in your client’s state. What is the minimum premium for this EPL program?The minimum premium typically starts at $900, depending on the risk and selected coverages. Need help placing an account? Connect with a market specialist.

Quick Quote Employment Practices Liability (EPL) Get fast, reliable Employment Practices Liability (EPL) quotes with minimal effort. Brown & Riding offers a streamlined EPL solution for agents and brokers through our Quick Quote program. Built for speed and market access, this program can deliver EPL indications within hours when the account meets basic eligibility: a completed intake, no prior EPL coverage, and no open EPL claims. Start the quick-quote process using our intake form at http://www.brownandriding.com/epl-quick-quote/. The form handles most classes of business in most states and gets you fast responses from competing markets. Ideal Accounts and Appetite This program is best for a wide range of small to midsize employers that meet our eligibility guidelines. Key requirements include: 100 or fewer full-time equivalent employees No prior EPL coverage and no open EPL claims Typical fits include small manufacturing operations, independent restaurant groups, retail locations, and professional services firms that need straightforward EPL protection without lengthy underwriting. Coverage Highlights and Advantages Quick Quote EPL gives you: Access to up to seven top-rated carriers for competitive terms Fast quote turnaround—typically within 4 business hours when the intake is complete Admitted terms available in many states (carrier-dependent) Minimal upfront underwriting—just four starter questions to get multiple indications Markets we panel include Darwin/Allied, Carolina Casualty/Admiral, USLI, Scottsdale, Westchester/Ace, Hartford, and Great American. Underwriting Notes and Minimum Premium This offering is targeted at new EPL placements with a clean claims history. The program’s minimum premium begins at $900. A full application is required before binding coverage. Territories and Availability The Quick Quote EPL program is available in most U.S. states. Representative states where we place business include: AL, AK, AR, CO, CT, DE, HI, ID, IN, IA, KS, KY, LA, ME, MD, MA, 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. Contact us to confirm availability and admitted options for your insured’s state. Why Work With Brown & Riding? Brown & Riding is a trusted general agency and excess & surplus lines broker with specialty expertise and broad carrier relationships. Our Quick Quote EPL program is designed to make placement easier for you: rapid responses, strong market access, and straightforward intake. To discuss an account or get started, contact Lisa Rodriguez at (206) 816-6725 or [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to midsize employers with 100 or fewer full-time equivalent employees and no prior EPL claims are ideal. Fit examples include retail, hospitality, professional services, and light manufacturing businesses. How quickly can I get a quote?When the intake is complete and the account meets eligibility (no prior coverage or open claims), quotes are usually delivered within 4 business hours. Is the coverage admitted or non-admitted?We work with both admitted and non-admitted markets. In many cases admitted terms are available depending on the carrier and the insured’s state. What information is needed to start the quote process?You only need to answer four basic underwriting questions on the quick-quote intake to receive initial indications. A full application will be required before binding. Which states is this program available in?The program is available in most U.S. states. Contact us to confirm availability and admitted options for the specific state where your client is located. Need help placing an account? Connect with a market specialist.

E&S Coverage for Distressed Physicians Brown & Riding offers a specialized solution for physicians facing challenges securing standard medical malpractice insurance. Through our partnership with Professional Security Insurance Company (PSIC), a wholly-owned subsidiary of MagMutual Insurance Company, we provide Excess & Surplus (E&S) coverage tailored for distressed medical professionals. MagMutual, a physician-led carrier with over 30 years of experience, is the largest medical professional liability insurer in the Southeast. This program gives your hard-to-place clients access to robust coverage and claims support generally reserved for standard market risks. Ideal Accounts and Appetite: Physicians with prior claims or licensing issues Doctors transitioning from standard market coverage Part-time practitioners needing flexible options Ineligible risks include unlicensed physicians and full-time correctional facility physicians. Key Coverage Features: Free tail coverage at death, disability, or retirement if insured is age 55+ and with PSIC for 5+ years Non-admitted E&S lines coverage Incident-sensitive claims trigger Defense costs outside limits of liability Full prior acts coverage available Optional Enhancements Include: Sexual misconduct defense Punitive damages where insurable by law Medical director administrative coverage Full consent to settle provision Part-time practice coverage Underwriting and Minimum Premiums: Minimum premium starts at $5,000. Underwriting is flexible and designed to evaluate the complete story behind prior claims or licensing issues. You can expect thoughtful consideration of non-standard risks that standard carriers won’t entertain. Available States: Coverage is offered in Alabama, Arkansas, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Why Partner with Brown & Riding: As a leading general agency and E&S broker, Brown & Riding combines deep market relationships with responsive service. We work closely with agents and brokers to find viable solutions for distressed physician clients who otherwise struggle to secure coverage. Our access to PSIC and MagMutual allows us to deliver meaningful options for these challenging placements. For more information contact: Jeffrey Jarboe Principal, Senior Vice President, Broker Direct: 678.225.1381 Cell: 404.422.2483 Email: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for physicians with prior claims, licensing issues, or those who have difficulty obtaining standard malpractice insurance. It also suits part-time practitioners or those transitioning from standard markets. What states is this coverage available in?Coverage is available in AL, AR, FL, GA, KY, MS, NC, SC, TN, and VA. Is this an admitted or non-admitted product?This program is written on a non-admitted, excess and surplus lines basis through PSIC. What is the minimum premium for this coverage?The minimum premium for this program is $5,000, though actual pricing depends on risk characteristics and underwriting review. Can prior acts coverage be included?Yes, full prior acts coverage is available depending on underwriting approval. Need help placing an account? Connect with a market specialist.

An insurance provider that is passionate about the industry in which we serve. Equisure, part of the Amwins Underwriting division, is a specialty program designed for animal clubs, associations and organizers of animal-related events. For more than 30 years Equisure has developed targeted products that address the unique exposures of clubs, breed registries, collegiate teams and show organizers. Agents can place a wide range of accounts through this program, supported by underwriting that understands animal-related operations and member-driven organizations. Overview of the Program From Amwins Underwriting This program offers straightforward, market-ready solutions for animal clubs, associations and sanctioned or non-sanctioned events. Coverage is built to protect organizers, volunteers and members from common liability risks that arise during competitions, shows, rallies and club-sponsored activities. Equisure’s appetite emphasizes practical, affordable coverages to keep members protected and events running smoothly. Ideal Accounts and Appetite Polo clubs and other mounted-sport groups Dog clubs (excluding protection-training focused clubs) Multi-state clubs that travel or compete in several jurisdictions Breed registries and associations providing member benefits Competitive trail riding groups and endurance events Collegiate riding and animal clubs Vaulting and English/Western shows (one-day or multi-day, sanctioned or non-sanctioned) Ineligible accounts typically include rescues and sanctuaries, wagering-based racing operations, dog clubs whose primary activity is protection training, and rodeo bull riding. If you are unsure whether a specific account fits, provide a summary of operations and event profiles when submitting. Coverage Highlights and Advantages General liability tailored for club and event exposures Optional professional liability where appropriate for instructors, judges or club-run services Medical payments coverage for on-site incidents Amwins Underwriting’s Equisure program emphasizes practical policy forms and limits that reflect the realities of volunteer-run organizations and temporary event exposures. The underwriting team is experienced with common risk controls for animal events and can provide guidance on risk transfer and certificate requirements for venues. Underwriting Notes and Minimum Premiums Underwriters look for clear event descriptions, typical participant counts, venue details, and any third-party vendor activities. Standard eligibility questions include whether events are sanctioned, whether animals are transported across state lines, and whether professional trainers or paid instructors are involved. The program’s stated minimum premium is $500; actual terms and premiums depend on exposure details, limits requested and loss history. Territories and Availability This non-admitted/surplus lines program is available in the following 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. Note: Amwins positions this offering through Equisure as a specialty market—confirm surplus lines placement requirements in the insured’s home state as needed. Why Work With Amwins Underwriting on This Business Amwins Underwriting combines deep niche expertise with flexible underwriting for animal-related organizations. Agents benefit from a program that understands member-driven clubs, offers practical coverages, and has a track record of working with events and associations. Submissions that include clear activity descriptions, participant numbers and venue information will receive the most efficient review. Example scenarios You have a regional dog-breed club that runs two one-day shows per year and provides member benefits—this program can provide general liability and optional professional coverages for judges and trainers. A collegiate equestrian club that travels to sanctioned events in multiple states needs a single program to cover both practices and competitions—Equisure can underwrite multi-location exposures through this offering. Frequently Asked Questions What types of accounts are a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding and sanctioned or non-sanctioned shows—are ideal. The program is designed for member-based organizations and event organizers rather than rescues or wagering/racing operations. What coverages can I request through this program?Primary offerings include general liability and medical payments, with optional professional liability in many cases. Limits and coverage parts will depend on the account’s operations and the underwriting review. Is this program admitted in the states listed?The program is offered on a non-admitted (surplus lines) basis. Agents should follow surplus lines placement and disclosure requirements that apply in the insured’s home state. What information helps speed underwriting and placement?Provide a clear description of club activities and events, typical participant/attendance numbers, venue types, whether events are sanctioned, any paid instructors or vendors, and loss history. This information allows for a faster, more accurate quote and reduces follow-up requests. Need help placing an account? Connect with a market specialist.

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With the coverage of K&K's Resort and Guest Ranch Program, your clients can spend time on important things like keeping guests happy. We'll take care of the rest with an insurance program specifically tailored to the individual needs of your operation. Eligible Operations for Resort Insurance: - Private or publicly held destination resort insurance - Guest ranch insurance Coverages Available & Program Highlights: General Liability - Broadened Coverage Form - Non-auditable policy - No deductible - Liquor liability - Fireworks liability - Expanded bodily injury definition - Non-owned watercraft up to 51’ - Personal and advertising injury definition expanded - Cyber liability - Crisis response - Sexual Abuse & Molestation Endorsement per perp form (subject to qualification based on minimum underwriting guidelines) Property - More Than 25 Coverage Expansions - Equipment Breakdown Included - Vacancy Clause Redefined to Address Seasonal Operations - Building Definition Redefined to Include: tent platforms, pavilions and shelters, signs, boat and canoe racks, permanently installed playground equipment. - Business Interruption (Civil Authority Expansion Available in certain States) - Emergency Vacating Expenses Covered, Full Building Ordinance "A" Coverage Inland Marine Commercial Crime Commercial Auto Excess Liability Workers’ Compensation Common Associated Exposures: - Golf courses - Miniature golf - Golf driving ranges - Playgrounds - Hiking trails - Boating/Canoeing - Horseback riding - Fine Dining - Fishing & Hunting - Spas/Health & Fitness Centers - Cross-country skiing 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

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