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As an insurance agent or broker working with outdoor adventure businesses, you understand the importance of protecting clients operating in high-risk environments. Prime Insurance Company offers a comprehensive, non-admitted program tailored specifically for outfitters, guides, and instructors. Whether your client leads fishing expeditions, zip line tours, or snowmobile trips, this program is designed to help safeguard their operations against liability and financial loss. This program is built for professionals who lead others into nature’s wildest terrain—where accidents can happen, even with the most experienced staff and safety protocols. Through Prime’s all-in-one approach, insureds benefit from direct access to underwriting, risk management, and claims handling, ensuring a responsive and customized experience for each operation. Ideal Accounts and Risk Classes: ATVs and UTVs Bicycle Tours and Rentals Camping, Hiking, and Rock Climbing Guides Guest Ranches and Equine-Based Activities Hunting and Fishing Outfitters River Rafting and Kayaking Tours Zip Line and Ropes Courses Jet Ski, Boating, and Other Water Sports Winter Activities (e.g., snowmobiling, skiing) Youth-at-Risk Programs And many more outdoor adventure operations Coverage Highlights and Benefits: Customized policies based on client operations and risk profile Direct access to underwriting without extra layers Risk management support tailored to outdoor exposures Claims handled in-house for faster resolution All-in-one policy structure for broader protection Underwriting Considerations: Each submission is underwritten individually, with a strong emphasis on safety protocols, guide/instructor experience, and operational details. While no minimum premium is listed, this non-admitted program is designed for businesses that understand the importance of specialized coverage and risk management. Territorial Availability: Available in all 50 states and Washington, DC, including high-outdoor-activity states like CO, MT, UT, CA, AK, and WY. This wide availability supports agents working with clients across multiple regions or with multi-state operations. Why Work With Prime Insurance Company: Prime Insurance Company is a Managing General Agency with deep expertise in high-risk and specialty markets. Their hands-on underwriting, in-house claims handling, and flexible approach to unique outdoor exposures make them an ideal partner for agents serving outfitters, adventure companies, and youth-focused programs. You can count on Prime for creative, responsive solutions where standard markets may fall short. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for clients involved in outdoor adventure activities such as guided hunting trips, whitewater rafting, ATV tours, zip lines, and youth camps with high-risk exposures. Is this coverage available in all states?Yes, the program is available in all 50 states and Washington, DC, making it a strong option for agents with multi-state clients or operations. What makes Prime’s program different from standard markets?Prime offers a custom underwriting approach, all-in-one policy structure, and in-house claims management, making it well-suited for complex or non-standard risks. Can I access underwriters directly for this program?Yes. Prime provides direct access to underwriters, allowing agents to discuss risks and tailor coverage more efficiently. Are there specific safety or experience requirements?Yes, underwriting considers the experience of guides/instructors, safety protocols, and operational details when evaluating each submission. Need help placing an account? Connect with a market specialist.

...shed repair shop expanding into snowmobiles, Colonial General has the tools an...oters (49 CC or more), mopeds, and snowmobiles. Can the program accommodate bu...

Special Events Insurance Program from AI Risk AI Risk brings specialized insurance solutions for a wide range of special events through our dedicated Special Events program. Designed for independent agents and brokers seeking dependable markets for short-term gatherings, this program offers flexible coverage for a broad array of public and private events. Whether your client is planning a one-day community fundraiser or a multi-day festival, AI Risk delivers coverage tailored to the unique risks that come with organizing special events. Our underwriting expertise and carrier partnership with AIG provide a stable, trusted option for placing this type of business. Ideal Accounts and Event Types This program is an excellent fit for a variety of lower-hazard events, including but not limited to: Arts and Craft Festivals Auctions and Fundraisers Dances and Proms Graduation Ceremonies Luncheons, Banquets, and Business Meetings Picnics and Outdoor Gatherings Receptions and Retirement Parties Seminars, Workshops, and Training Events You might have a client hosting a local craft fair with vendor booths and live music, or a school organizing a graduation ceremony with hundreds of attendees—both would be ideal candidates for this program. Coverage Highlights and Advantages AI Risk’s Special Events program is written on an "Occurrence" form, providing reliable protection for both event organizers and venue owners. Key features include: Limits of $1 million per occurrence / $2 million aggregate Covers bodily injury, property damage, and more Flexible term options for one-time or recurring events Carrier: AIG – a financially strong and recognized insurer Certificates of insurance can be requested as needed, including additional insured endorsements for venues or sponsors. Underwriting Notes and Minimum Premiums Minimum premium starts at $500. Events are reviewed on a case-by-case basis, and underwriting considerations may include attendance size, location, alcohol service, and security measures in place. We recommend contacting your AI Risk underwriter early in the planning process to ensure smooth quoting and binding. Territories and Availability This program is available in all 50 states and the District of Columbia. Whether your client is holding an event in California, Texas, New York, or anywhere in between, AI Risk has you covered. Why Work with AI Risk? As both a Managing General Agency and a carrier-backed program provider, AI Risk offers streamlined underwriting, responsive service, and access to top-tier markets. Our team understands the nuances of special events and is ready to help you place business quickly and accurately. We are committed to helping agents protect their clients’ events from the unexpected—so you can focus on growing your book with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for low- to moderate-risk events such as festivals, auctions, dances, corporate luncheons, and graduation ceremonies. Is this program available nationwide?Yes, AI Risk’s Special Events program is available in all 50 states and the District of Columbia. What is the minimum premium for this coverage?The minimum premium for this program starts at $500, with final pricing based on event specifics. Can recurring or multi-day events be covered?Yes, coverage can be tailored for single-day, multi-day, or recurring events, depending on underwriting approval. Which carrier backs this program?The Special Events program is backed by AIG, a well-established and financially strong insurer. Need help placing an account? Connect with a market specialist.

Admitted A carriers Surplus Lines broker Special Events and Entertainment Insurance from Gagliardi Insurance Services, Inc. Gagliardi Insurance Services, Inc. offers a flexible and comprehensive Special Events and Entertainment Insurance program tailored for agents and brokers seeking to place coverage for a wide variety of one-time or recurring events. With access to top-rated admitted carriers such as Chubb and Philadelphia, and the ability to write through surplus lines when needed, Gagliardi provides solutions for even the most unique or high-risk entertainment exposures. Ideal Accounts and Target Event Types This program is designed for a broad range of events and entertainment-related activities. Whether your client is organizing a single-day wedding or managing a multi-day music festival, Gagliardi Insurance Services has the market access and underwriting expertise to help you secure the right coverage. Target event types include: Festivals, fairs, and parades Fundraisers, conferences, and corporate events Weddings, private parties, and social gatherings Field trips, outings, and guided tours Concerts, theatrical performances, and sports promotions Film and television productions Events involving adverse weather exposure or prize indemnification Example scenarios include a client producing a regional food festival with multiple vendors and live entertainment, or a nonprofit hosting a fundraising gala with 500+ attendees. With Gagliardi, you can confidently place these accounts and more. Coverage Highlights Gagliardi’s Entertainment and Special Events program includes access to the following coverages, available individually or bundled as needed based on the risk: General Liability – Protects against third-party bodily injury and property damage claims Accident/Medical/Dental – Covers participant or attendee injuries during the event Accidental Death & Dismemberment Catastrophic Accident/Medical – For serious injuries with long-term impact Additional specialty coverages such as adverse weather or contingency insurance are also available for events where cancellation or interruption could result in financial loss. Underwriting Notes This program is available on both admitted and non-admitted paper depending on the event type and location. Gagliardi works with A-rated carriers and has the ability to offer coverage on a surplus lines basis when needed. Minimum premium requirements vary by event and coverage type; please contact Gagliardi for underwriting guidelines and quotes. Available States This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, and GA. Gagliardi Insurance Services is licensed to place business in over 45 states, giving you broad access for your clients across the country. Why Partner with Gagliardi Insurance Services? As a Managing General Agency with specialized focus in the events and entertainment sector, Gagliardi Insurance Services brings deep underwriting knowledge and responsive service to help brokers navigate complex risks. Their long-standing relationships with top-tier carriers and flexible program design make them a valuable partner for placing hard-to-place or time-sensitive events. Whether you're handling a straightforward banquet or a complex series of athletic tournaments, Gagliardi offers the tools and expertise you need to deliver tailored insurance solutions quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for short-term or recurring events such as festivals, weddings, concerts, fundraisers, and sports promotions. It also works well for film and television productions and events with special risk needs like adverse weather or prize indemnification. Can coverage be written on a surplus lines basis?Yes, Gagliardi Insurance Services can write coverage through surplus lines when the event type or location requires it. They also have access to A-rated admitted carriers when applicable. Is there a minimum premium requirement?Minimum premiums vary depending on the event type, size, and coverage selected. Contact Gagliardi for specific underwriting guidelines and pricing details. What states is the program available in?This program is available in over 45 states, including CA, NY, TX, FL, IL, and many others. Gagliardi can help you place business across most of the U.S. What coverages are available under this program?Available coverages include General Liability, Accident/Medical/Dental, Accidental Death & Dismemberment, Catastrophic Accident/Medical, and optional add-ons like adverse weather and contingency coverage. Need help placing an account? Connect with a market specialist.

...th motorcycles, ATVs, jet skis, snowmobiles and similar exposures Accounts w...

Insurance for Aviation Pilots, Training Facilities, Aircraft Owners, and Renters Prime Insurance Company offers tailored Aviation Liability Insurance solutions designed for the unique risks faced by aviation professionals and businesses. Whether your client is a student pilot, a certified flight instructor, an aircraft renter or owner, or a hangar operator, Prime can help you place coverage that addresses their specific liabilities and operational gaps. Overview of the Program From Prime Insurance Company As a Managing General Agency with specialty liability expertise, Prime Insurance Company provides access to non-admitted Aviation Liability Insurance solutions across all 50 states and Washington, D.C. The program is built to serve accounts that can be difficult to place in standard markets — higher-exposure operations, accounts with prior losses, mixed operations (training + rental), and other nuanced liabilities requiring flexible underwriting. Ideal Accounts and Appetite This program is well-suited for a broad range of aviation-related risks, including: Pilots — private, commercial, and student pilots seeking individual liability protection Flight instructors and pilot training facilities Aircraft renters and private aircraft owners Rental, charter, and on-demand operators (subject to underwriting) Hangar owners/operators and maintenance providers Examples of accounts you might place here: a flight school that needs instructor and student liability coverage separate from its hull policies, or a private-owner who rents aircraft and wants primary liability coverage for occasional renter operations. Coverage Highlights and Advantages Prime's Aviation Liability program can include a range of tailored liability solutions to close common coverage gaps: Individual Liability — policies for pilots and instructors to protect personal liability exposures during flight or instruction. Products Liability — protection for parts suppliers, placers, and those manufacturing aviation components. Maintenance A&P Liability — coverage for Airframe & Powerplant mechanics performing repairs, inspections, and maintenance. Hangar General Liability — liability protection for hangar owners/operators providing storage, ground handling, or limited servicing. The program is designed to identify and close gaps — for example, when an instructor discovers they are not listed on a facility policy, or when a rental agreement leaves the renter with limited protection. Underwriting Notes and Minimum Premiums Prime underwrites accounts that may be outside standard market appetites, including those with prior losses or more complex operations. Underwriting is risk-specific and flexible; minimum premium requirements vary by risk class, aircraft type, operation, and limits requested. Present complete operations details and loss history to get the best response from underwriting. Territories and Availability This Aviation Liability program is offered on a non-admitted basis and is available nationwide — all 50 states and Washington, D.C. If you need multistate or multi-jurisdiction solutions, Prime can underwrite coordinated placements to match your client's operating footprint. Why Work With Prime Insurance Company Prime Insurance Company is known for flexible underwriting, pragmatic risk assessment, and faster turnaround on specialty liability placements. Working with Prime gives you: Customized policies for varied aviation exposures Non-admitted solutions for hard-to-place business Underwriters familiar with aviation operations and technical exposures Nationwide availability through the MGA platform Partner with Prime Insurance Company through our CompleteMarkets profile to access this and other specialty liability programs. Frequently Asked Questions What types of accounts are a good fit for this aviation program? This program is ideal for pilots, instructors, aircraft owners and renters, maintenance providers, hangar operators, and training facilities — especially accounts with unique exposures or that are hard to place in admitted markets. Is this program available in all states? Yes. Prime offers this Aviation Liability Insurance program on a non-admitted basis in all 50 states and Washington, D.C. Can you write coverage for student pilots or pilot training facilities? Yes. The program provides solutions for student pilots and training facilities, including instructor liability and policies designed to fill coverage gaps that facility policies may not address. What types of liability coverage are available? Available coverage includes individual liability, products liability, A&P maintenance liability, and general liability for hangar operations. Specific terms depend on underwriting and the operation’s exposure. Do you offer solutions for insureds with prior claims or unusual risks? Yes. Prime specializes in underwriting risks that may not qualify for standard markets, including accounts with prior losses or atypical operations. Provide full loss history for the most accurate consideration. Need help placing an account? Connect with a market specialist.

Golf carts are no longer limited to the greens—they're now common in neighborhoods, airports, senior communities, college campuses, resorts, hospitals, and more. As their usage expands, so do the risks. With speeds up to 25 mph and often lacking safety features, golf carts can cause serious bodily injury or property damage. That's why insurance coverage tailored to this exposure is essential. Golf Cart Insurance Program from Prime Insurance Company Prime Insurance Company offers a flexible and comprehensive Golf Cart Insurance program designed to meet the growing demand for coverage in both personal and business uses of golf carts. Whether your insured is a homeowner renting out a property with a cart, or a business offering cart rentals or branded transportation services, Prime has solutions to help you write the business. Ideal Accounts and Appetite This program is well-suited for a variety of risks, including: • Homeowners or landlords who provide golf carts for guest use • Golf cart rental companies operating at beaches, resorts, or event venues • Businesses using golf carts for promotional or shuttle services (e.g., bar-to-bar or restaurant-to-parking lot transport) • Property owners in communities where golf carts are a common mode of transportation Prime welcomes both standard and hard-to-place risks. Many property owners may not realize that their homeowners or commercial general liability policies do not cover golf cart exposures. That's where this specialty program comes in. Coverage Highlights and Advantages Prime takes an all-in-one approach to recreational and utility vehicles, offering coverage for: • Golf Carts • Golf Cart Rentals • Golf Cart Equipment • ATVs • Personal Watercraft Coverage can be customized to meet the unique needs of your client. Liability, physical damage, and equipment coverage options are available, and Prime works closely with agents and brokers to develop solutions that fit each account. Underwriting Notes and Minimum Premiums Prime underwrites each submission individually and provides flexible solutions based on risk characteristics. While minimum premiums vary by state and exposure, agents can expect competitive pricing and responsive service. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, TX, NY, GA, AZ, CO, and many others. Admitted coverage is available in select states, with non-admitted options offered where needed. Why Work With Prime Insurance Company? As a carrier with expertise in specialty risks, Prime Insurance Company offers a hands-on underwriting approach and a willingness to write tough classes that many others decline. You’ll benefit from: Direct access to underwriters who understand niche exposures Customized policy options for unique risks Coverage solutions for both personal and commercial use Fast quote turnaround and excellent service Let Prime help you place your next golf cart risk—whether it's a private homeowner or a commercial rental fleet. For more information, visit our company profile or explore the Golf Cart Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits homeowners, landlords, rental companies, and businesses using golf carts for transportation or advertising purposes. Does a standard homeowners or general liability policy cover golf carts?In most cases, no. Standard policies often exclude golf cart exposures, especially when used off-premises or for commercial purposes. Can I submit risks with prior claims or unusual usage?Yes, Prime considers both standard and hard-to-place risks, including those with prior losses or unique operational needs. Is this program available in all states?The program is available in most U.S. states, with admitted coverage in select states and non-admitted options where necessary. What types of vehicles are covered under this program?The program covers golf carts, golf cart rentals, golf cart equipment, ATVs, and personal watercraft. Need help placing an account? Connect with a market specialist.

...cludes all-terrain vehicles and snowmobiles where applicable. Relocation a...