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K&K's fair and fairground insurance covers everything from small local and county fairs to state fairs, including more specialized areas like livestock shows and agricultural expositions. Eligible Classifications for Fair Insurance and Fairground Insurance: - 4H fair insurance - Fairground insurance - Agricultural exposition insurance - Livestock show insurance - County fair insurance - State fair insurance - Fair Insurance Coverages Available & Program Highlights: General Liability - Written on an Admitted Basis in Most States - Broadened Coverage Form - Non-auditable Policy - No Deductible - Legal Liability to Participants - Volunteer Accident - Accident Medical Coverage For Fair Volunteers - Volunteers as Additional Insureds - Contingent Ride Liability - Fireworks Liability - Liquor Liability - Motorsports Liability - Vendor/Exhibitor Coverage - Employee Benefits Liability Directors and Officers Including Employment Practices Liability Property - Equipment Breakdown Included - Emergency Vacating Expenses Covered up to $25,000, Crisis Response Coverage-$25,000, Full Building Ordinance "A" Coverage Inland Marine Commercial Auto - Owned Auto - Nonowned/Hired Auto Crime Excess Liability Workers’ Compensation Event Cancellation & Non-appearance Common Associated Exposures: - Carnival rides - Fireworks - Concerts - Interim events - Concessionaires - Livestock shows - Demolition derbies - Parades - Displays - Rodeos - Horticultural, - Truck & tractor pulls agricultural and home - Vendors economics exhibits 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

When it comes to festival insurance, you name it, chances are we’ve covered it–everything from small community tulip festivals to nationally known and recognized festivals. K&K has everything you need in insurance coverage to keep things festive. Eligible Operations for Festival Insurance: - Arts and crafts festival insurance - Music festival insurance - City celebration insurance - Static auto show insurance - Ethnic festival insurance - Themed festival insurance - Exhibition/exposition insurance (e.g. rib fest, tulip festival, etc.) - Holiday celebration insurance Coverages Available & Program Highlights: General Liability - Written on an Admitted Basis in Most States - Broadened Coverage Form - Non-auditable Policy - No Deductible - Legal Liability to Participants - Volunteer Accident- Accident Medical Coverage For Volunteers - Volunteers as Additional Insureds - Contingent Ride Liability - Fireworks Liability - Liquor Liability - Vendor/Exhibitor Coverage - Employee Benefits Liability Directors and Officers Including Employment Practices Liability Property - Emergency Vacating Expenses Covered up to $25,000, Crisis Response Coverage-$25,000, Full Building Ordinance "A" Coverage Inland Marine Commercial Auto - Owned Auto - Nonowned/Hired Auto Crime Excess Liability Workers’ Compensation Event Cancellation & Non-appearance Common Associated Exposures: - Arts & crafts displays - Horticultural/home - Food & beverage economics exhibits concessions - Parades 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

Comprehensive Insurance for Health and Fitness Centers American Specialty Insurance & Risk Services offers a robust Health and Fitness Centers Insurance Program designed to help agents and brokers place business for a broad range of fitness-related operations. With in-house underwriting, claims, and risk management services, this program delivers convenience, speed, and reliable protection for your clients in the health and fitness industry. Ideal Accounts and Target Classes This program is a strong fit for a wide range of fitness and wellness operations, including but not limited to: Traditional fitness centers and gyms Yoga, Pilates, and barre studios Martial arts facilities Personal training studios Dance studios and aerobics centers Whether your client runs a single-location gym or a multi-state franchise, this program is built to accommodate different operational sizes and risk profiles. You might have a client who offers group fitness classes, personal training, and childcare services — this program can help you address their complex exposures with tailored coverage options. Coverage Highlights and Program Advantages American Specialty’s Health and Fitness Centers Insurance Program is underwritten with program-specific forms and rates, helping agents deliver targeted solutions their clients can count on. Key features include: Admitted Coverage in all available states A.M. Best “Excellent” or higher-rated carriers Non-auditable policies for simplified administration 24-hour claims service for timely response and resolution In-house underwriting, claims, and policy administration for centralized service Online resources and tools to support quoting and client servicing Available Coverages General Liability Abuse and Molestation Volunteers as Additional Insureds Liquor Liability (when applicable) Contingent and Primary Ride Liability Contingent Fireworks Excess/Umbrella Coverage Property and Crime Automobile Liability Employee Benefits Liability Volunteer Accident Medical Deductible and SIR Options Underwriting Considerations and Premiums Minimum premiums vary depending on the specific operation, location, and risks involved. American Specialty brings deep underwriting experience in the fitness and recreation sector, helping agents find solutions for both standard and more complex accounts. In-house underwriting ensures faster turnaround and more accurate risk assessments. Territory and Availability This program is available in all 50 states plus Washington, D.C., with admitted coverage. States include but are not limited to CA, FL, NY, TX, IL, and PA. Whether your clients are located in urban centers or suburban communities, this program offers nationwide flexibility. Why Work With American Specialty Insurance & Risk Services As a Managing General Underwriter with decades of experience in niche markets, American Specialty delivers unmatched service, underwriting expertise, and risk management insight to help agents succeed. The company’s in-house capabilities — from policy administration to claims handling — mean fewer delays and better control over the entire insurance process. When you work with American Specialty, you gain a strategic partner who understands the unique challenges of the fitness industry and helps you deliver reliable solutions to your clients. Learn more on the American Specialty Insurance & Risk Services company profile or visit the program page directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for gyms, fitness centers, yoga studios, martial arts facilities, and similar health and wellness operations. Is this program available in all states?Yes, the Health and Fitness Centers Insurance Program is admitted and available in all 50 states and Washington, D.C. What coverages are included in the program?Available coverages include General Liability, Property, Abuse and Molestation, Umbrella, Liquor Liability, Crime, Automobile, and more. Are policies auditable?No, policies under this program are non-auditable, making administration easier for agents and insureds. Who underwrites and manages the claims?All underwriting, claims management, and policy administration are handled in-house by American Specialty Insurance & Risk Services. Need help placing an account? Connect with a market specialist.

K&K Insurance offers a Product Liability Insurance Program developed for the sports, leisure and entertainment industry with emphasis on automobile, motorcycle, sports equipment, boat, trailer and amusement ride manufacturers. The program includes most support industries and other tough product liability classes. Eligible Operations for Product Liability Insurance: - Auto, motorcycle, truck parts - Baby products - Boats and marine equipment - Camping equipment - Collector car kits, street rods, kit cars - Custom motorcycle manufacturers - Distributors - Exercise equipment - Furniture - Gymnastic and martial art equipment - Industrial products - Importers - Manufacturers - Medical equipment - New Ventures - Nutraceuticals - Racing equipment and parts - Ski equipment, snow boards, skateboards - Sports equipment - Trailers and recreational vehicles - Vitamins and Supplements Coverages Available & Program Highlights: Products Liability Feabures - Vendors as Additional Insureds - Worldwide Coverage - Occurrence or Claims-made policy forms - Deductible and SIR Options Available General Liability (including products coverage) Umbrella/Excess Liability 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

For Special Event Insurance from small gatherings to world-class celebrations, K&K Insurance covers special events of all sizes. Through years of experience, we’ve found that tailored coverages designed to fit your event provide the best insurance coverage. For smaller events, our risk purchasing group program protects clients without unnecessary coverages that larger special events require. For events of all sizes, turn to K&K for superior insurance protection. Our Special Events Insurance is offered to the following classes but are not limited to: Art Displays Banquets Bazaars Charity Events Concerts Conventions Craft Displays Graduations Lectures Meetings Pageants Proms Religious Assemblies Reunions Seminars Shows Social Gatherings Trade Shows Weddings & receptions Coverages Available & Program Highlights: General Liability - Written on an Admitted Basis - Broadened Coverage Form - Non-auditable Policy - No Bodily Injury Deductible - Legal Liability to Participants - Volunteer Accident-Accident Medical Coverage for Volunteers - Volunteers as Additional Insureds - Contingent Ride Liability - Fireworks Liability - Liquor Liability - Motorsports Liability - Vendor/Exhibitor Coverage - Employee Benefits Liability Directors and officers Including Employment Practices Liability Property - Emergency Vacating Expenses Covered up to $25,000, Crisis Response Coverage-$25,000, Full Building Ordinance "A" Coverage Inland Marine Commercial Auto - Owned Auto - Nonowned/Hired Auto Excess Liability Event Cancellation & Non-appearance If your client is looking for Special Events Insurance then our program has the right solution! Please give us a call today to learn more about our program and what we have to offer. 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

Comprehensive Insurance for Health and Fitness Centers American Specialty Insurance & Risk Services offers a robust Health and Fitness Centers Insurance Program designed to help agents and brokers place business for a broad range of fitness-related operations. With in-house underwriting, claims, and risk management services, this program delivers convenience, speed, and reliable protection for your clients in the health and fitness industry. Ideal Accounts and Target Classes This program is a strong fit for a wide range of fitness and wellness operations, including but not limited to: Traditional fitness centers and gyms Yoga, Pilates, and barre studios Martial arts facilities Personal training studios Dance studios and aerobics centers Whether your client runs a single-location gym or a multi-state franchise, this program is built to accommodate different operational sizes and risk profiles. You might have a client who offers group fitness classes, personal training, and childcare services — this program can help you address their complex exposures with tailored coverage options. Coverage Highlights and Program Advantages American Specialty’s Health and Fitness Centers Insurance Program is underwritten with program-specific forms and rates, helping agents deliver targeted solutions their clients can count on. Key features include: Admitted Coverage in all available states A.M. Best “Excellent” or higher-rated carriers Non-auditable policies for simplified administration 24-hour claims service for timely response and resolution In-house underwriting, claims, and policy administration for centralized service Online resources and tools to support quoting and client servicing Available Coverages General Liability Abuse and Molestation Volunteers as Additional Insureds Liquor Liability (when applicable) Contingent and Primary Ride Liability Contingent Fireworks Excess/Umbrella Coverage Property and Crime Automobile Liability Employee Benefits Liability Volunteer Accident Medical Deductible and SIR Options Underwriting Considerations and Premiums Minimum premiums vary depending on the specific operation, location, and risks involved. American Specialty brings deep underwriting experience in the fitness and recreation sector, helping agents find solutions for both standard and more complex accounts. In-house underwriting ensures faster turnaround and more accurate risk assessments. Territory and Availability This program is available in all 50 states plus Washington, D.C., with admitted coverage. States include but are not limited to CA, FL, NY, TX, IL, and PA. Whether your clients are located in urban centers or suburban communities, this program offers nationwide flexibility. Why Work With American Specialty Insurance & Risk Services As a Managing General Underwriter with decades of experience in niche markets, American Specialty delivers unmatched service, underwriting expertise, and risk management insight to help agents succeed. The company’s in-house capabilities — from policy administration to claims handling — mean fewer delays and better control over the entire insurance process. When you work with American Specialty, you gain a strategic partner who understands the unique challenges of the fitness industry and helps you deliver reliable solutions to your clients. Learn more on the American Specialty Insurance & Risk Services company profile or visit the program page directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for gyms, fitness centers, yoga studios, martial arts facilities, and similar health and wellness operations. Is this program available in all states?Yes, the Health and Fitness Centers Insurance Program is admitted and available in all 50 states and Washington, D.C. What coverages are included in the program?Available coverages include General Liability, Property, Abuse and Molestation, Umbrella, Liquor Liability, Crime, Automobile, and more. Are policies auditable?No, policies under this program are non-auditable, making administration easier for agents and insureds. Who underwrites and manages the claims?All underwriting, claims management, and policy administration are handled in-house by American Specialty Insurance & Risk Services. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized ATV Sales and Service Insurance Program designed for businesses involved in the sale, repair, and service of all-terrain vehicles. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings years of experience and access to multiple markets to help agents place hard-to-insure risks in the powersports and recreational vehicle sector. Ideal Accounts and Appetite This program is ideal for independent agents with clients who operate: ATV dealerships and showrooms ATV repair and service shops Scooter and moped dealers (49 CC engines or greater) Snowmobile sales and service businesses Whether your client is a small-town ATV repair shop or a multi-line recreational vehicle dealership, Colonial General can help you secure the appropriate coverage for their operations. Accounts that include towing services, vehicle storage, or test drives are also within appetite. Coverage Highlights and Advantages Our ATV Sales and Service Insurance Program includes a broad range of commercial garage coverages to protect your clients from the unique exposures they face: Garage Liability: Limits up to $1,000,000 per accident Garage Keepers Coverage: Primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage: Protection against losses due to fraudulent acts Fire Legal Liability In-Transit Coverage: For towing operations Medical Payments: Up to $5,000 Broadened Coverage Endorsements Property Coverage Available This comprehensive package helps safeguard both the business premises and the vehicles in your client’s care, custody, and control. From potential fire damage in the service bay to theft during a test ride, the program addresses a wide range of exposures common to the ATV industry. Underwriting Notes and Minimum Premiums Colonial General works with multiple carriers to underwrite these accounts, offering both admitted and non-admitted solutions depending on the state. While minimum premiums vary by risk and location, our team is experienced in evaluating unique submissions and providing competitive options. Submissions should include complete applications, detailed business operations, and loss history when available to ensure a quick turnaround. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on the state and class of business. Why Work With Colonial General? Colonial General is known for its regional focus and deep expertise in niche commercial programs. By working with us, you gain access to specialty carriers, responsive underwriters, and a team that understands the unique needs of powersports dealers and service providers. We help agents like you place hard-to-insure risks with confidence and speed. Whether you’re helping a new ATV dealer get off the ground or supporting an established repair shop expanding into snowmobiles, Colonial General has the tools and products to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for ATV dealerships, repair shops, and service centers, as well as businesses dealing in scooters (49 CC or more), mopeds, and snowmobiles. Can the program accommodate businesses with towing operations?Yes, the program includes in-transit coverage, making it suitable for businesses that offer towing or pick-up/drop-off services. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is provided on a primary basis with specified causes of loss to protect vehicles in your client’s care. What is the availability of admitted markets?Some admitted markets are available depending on the specific risk and state. Colonial General helps determine the best fit based on your client’s profile. Which states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...uch as boating, hiking, horseback riding, and the use of dogs and firearms — a...boating, dog handling, and horseback riding. Is this program available in my s...