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Policy Highlights for Entertainment Insurance: Colonial General Insurance Agency, Inc. offers a focused Entertainment Insurance program for local and regional performers and event entertainers. The program is designed for agents and brokers looking to place clients who regularly perform at private parties, community fairs, festivals, carnivals, exhibitions, and small theater productions. Typical insureds include DJs, bands, clowns, face painters, caricature artists, magicians, psychic entertainers, home party performers, theatrical casts, and novelty services such as singing or stripping telegrams. Coverage is flexible and can be tailored to the specific exposures of these small- to mid-sized entertainment operations. Ideal Accounts and Appetite This program targets community and regional entertainers and production teams rather than large touring acts or major theatrical productions. Typical accounts that fit the appetite include: Musical performers (bands, solo acts, DJs) Children’s entertainers (clowns, face painters, balloon artists) Interactive artists (caricature artists, psychics, magicians) Small theater companies and local productions Singing or novelty telegram services and themed party entertainers This program is not intended for large-scale productions, national touring acts, venues with professional rigging/amusement rides, or operations that require specialized excess-placement for complex theatrical stunts or large crowd management. Coverage Highlights and Advantages Commercial General Liability (CGL): Primary limits available up to $3,000,000 Occurrence / Aggregate Included coverages: Sexual/Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (higher limits available on request) Medical Payments – $5,000 Blanket Additional Insured endorsement (useful for venues and event hosts) Excess / Umbrella capacity up to $25,000,000 through partner carriers No liability deductible required Property and Business Property Options: Basic, Broad, or Special Form wording available Coverage for Building, Contents, Computer Equipment, and Business Income Equipment Breakdown and Inland Marine for portable gear Outside Signs, Valuable Papers, Accounts Receivable, and Theatrical Property options Replacement Cost or Actual Cash Value valuations Crime and Miscellaneous Coverages: Inside-the-Premises theft of money and securities Inside-the-Premises robbery or safe burglary of other property Outside-the-Premises coverage for money and property in transit Underwriting Notes and Minimum Premiums Colonial General leverages multiple markets to accommodate a variety of underwriting approaches. Underwriting review is required for all submissions to ensure proper placement and rating. While minimum premiums vary by carrier and risk profile, the program is structured to be accessible to small entertainment businesses. Liability coverage typically carries no deductible, and higher abuse/assault limits can be requested and considered by underwriting. Territories and Availability This Entertainment Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the carrier and the insured’s profile, coverage may be written on an admitted or non-admitted basis. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers targeted expertise in niche commercial exposures such as local entertainment. The MGA provides access to multiple admitted and E&S carriers, experienced underwriting that understands performance-based risks, and flexible policy forms for property, liability, and crime exposures. Colonial General is positioned to help agents place hard-to-fit or small-scale entertainment accounts quickly and efficiently. Example Accounts That Fit This Program You may have a client who runs a two-person acoustic band performing at weddings and local festivals — they need GL, equipment inland marine, and optional abuse coverage for performers working with children. An agency could place a children’s party entertainer who travels to private homes with face-painting supplies and portable props — the program supports property coverage for supplies and medical payments for minor injuries. Frequently Asked Questions What types of accounts are a good fit for this program?Local and regional entertainers such as DJs, clowns, bands, face painters, caricature artists, and small theater productions are a good fit. Is coverage available on an admitted basis?Some markets within the program offer admitted placements; others may be non-admitted depending on the state and risk characteristics. Can you get higher abuse limits?Yes. Higher limits for sexual/physical abuse coverage are available upon request and are subject to underwriting approval. Which states do you write in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you require a deductible for liability?No. Liability coverage under this Entertainment program typically does not require a deductible. Need help placing an account? Connect with a market specialist.

Running a sound and audio installation business requires more than technical skill — it also requires effective risk management. Workers Compensation Insurance protects employees and businesses from workplace injuries in an industry where hands-on work, ladders, tools, and frequent site visits are part of the daily routine. Novatae Risk Group, through its Empire Underwriters division, offers a specialized Workers Compensation Insurance program tailored for sound and audio installation contractors. Built for the exposures common to this niche, the program helps agents and brokers place difficult or underserved workers comp accounts across more than 20 states. Ideal Accounts and Appetite This program targets businesses that install sound systems, AV components, intercoms, security audio, and related equipment in commercial and residential settings. Typical fits include commercial AV integrators, home theater installers, intercom and paging system contractors, and specialty audio subcontractors. You might use this program for a small but growing crew of technicians who travel to client sites and perform hands-on installation, cable routing, equipment mounting, and system testing—accounts that often face difficulty finding competitive workers comp coverage in standard markets. Coverage Highlights and Advantages Minimum premium starting at $7,500 10% commission for appointed agents Fast quote turnaround when submissions are complete Access to a broad network of admitted and non-admitted carriers (varies by account) Underwriting Requirements Completed ACORD 130 application Three years of currently valued loss runs A supplemental questionnaire specific to sound/audio operations Details on any large or unusual losses Territories and Availability The program is available in more than 20 states, including CA, FL, TX, NY, NJ, IL, GA and others. Novatae can place business in both admitted and non-admitted markets depending on the state and the risk profile. For a full list of states, reference the program territory guide or contact underwriting. Why Work With Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with focused programs for niche contractors. Our underwriting team understands the operational risks of sound and audio installers and provides responsive service, market access, and pragmatic placing strategies for tougher accounts. When you need speed and accuracy to place a challenging workers comp risk, Novatae offers practical solutions and carrier relationships to get business bound. Need a Workers Compensation Insurance quote for your Sound and Audio Installation client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses involved in sound and audio system installation, including commercial AV companies, home theater installers, and intercom system contractors. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making it suitable for larger or more active installation operations. Which states is this program available in?This program is available in over 20 states, including CA, FL, TX, NY, NJ, GA, IL, and others. What documents are needed to get a quote?A complete submission includes an ACORD 130, three years of loss runs, a supplemental questionnaire, and details on any large losses. How quickly can I get a quote?Quotes are typically turned around quickly once a complete submission is received, thanks to Novatae's streamlined underwriting approach. Need help placing an account? Connect with a market specialist.

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McGowan Program Administrators Historical Institutions Insurance Overview The McGowan Companies’ Historical Institutions Insurance program is a specialty market designed for museums, cultural institutions, performing arts groups and related nonprofit organizations. As a managing general underwriter, McGowan offers tailored combinations of umbrella, directors & officers (D&O), employment practices (EPLI) and fiduciary liability coverage through a variety of admitted and non-admitted markets. Coverage options are structured to protect institutional assets, volunteer leadership, employees and the organization’s reputation from the unique exposures faced by historical and cultural institutions. Ideal Accounts and Target Classes This program targets not-for-profit and municipal/affiliate institutions with exposures common to museums, galleries and cultural venues. Typical classes we place include: Aquariums, planetariums and nature centers Arboretums, botanical gardens and natural history museums Art galleries, children's museums and general museums Historical societies & museums and heritage organizations Orchestras, theater groups and other performing arts organizations Accounts with paid staff, active volunteer programs, and boards with fiduciary responsibilities are a particularly good fit. Coverage Highlights Umbrella limits: $1M – $25M (available to follow form over specified underlying lines) Directors & Officers (D&O): $1M primary limits with broad features Employment Practices Liability (EPLI): $1M limits Fiduciary Liability: $500,000 limits Key D&O features include defense costs outside the limits, coverage for monetary and non-monetary claims, personal injury offense coverage, third-party discrimination, defense of breach of third-party contract claims and publishers liability. EPLI wording names the organization, executives, employees and volunteers as insureds to reflect the makeup of cultural institutions. Available Umbrella "Follow Form" Coverages Umbrella follow-form capacity can be written over: General Liability Automobile Liability Employee Benefits Liability Directors & Officers Liability Employers Liability Liquor Liability Underwriting Notes Underwriting focuses on governance, risk management practices, claims history and exposures tied to volunteers and public events. Accounts with robust board oversight, formal HR practices, documented volunteer supervision and secured exhibition handling score favorably. High-risk features such as primary liquor exposure without controls, large unguarded populations, or significant special event admissions may require additional terms or decline. Carrier availability varies by account and state. Please submit with current financials (if available), a description of operations and any recent loss runs to obtain market-specific terms. Minimum premiums and final placement terms are set by the admitted or non-admitted carrier selected for each risk. Territories and Availability This program is available in the following states: 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. Carrier options and admitted status may vary by state. Why Place This Business With The McGowan Companies McGowan Program Administrators combines niche underwriting expertise with access to multiple markets, giving brokers flexibility to place complex cultural and nonprofit risks. The program is designed for efficient quoting and placement for accounts that need management liability, employment practices and umbrella layering that align with the operational realities of museums, galleries and performing arts organizations. Example Scenarios You have a midsize historical society with paid staff, a 12-member volunteer board and annual special events — this program can combine D&O, EPLI and umbrella limits to address leadership, employee and third-party exposures. You represent a regional children’s museum that hosts classes, summer camps and ticketed public exhibitions — EPLI with volunteer coverage plus umbrella follow-form capacity may be appropriate to protect both day-to-day operations and special events. For submission guidance and current appetite, contact McGowan Program Administrators. Provide a brief operations statement, current underwriting application, and loss history to begin placement. Frequently Asked Questions What types of historical institutions are a good fit for this program?This program is geared to museums, galleries, botanical gardens, arboretums, nature centers, planetariums, orchestras, theater groups and similar cultural nonprofits—especially those with a formal board, paid staff and organized volunteer programs. Which limits and coverages are available?Available coverages include umbrella limits from $1M to $25M, D&O ($1M), EPLI ($1M) and fiduciary liability ($500,000). Umbrella follow-form options can sit over GL, auto, employee benefits, D&O, employers liability and liquor liability where appropriate. Are placements admitted or non-admitted?Carrier selection varies by state and account—placements may be admitted or non-admitted depending on the market. McGowan will advise on carrier options and regulatory position during quoting. What submission materials improve placement speed?Include a current operations summary, recent loss runs (typically five years if available), an application for management liability and a description of volunteer and event policies. Strong governance and documented HR practices help secure favorable terms. Need help placing an account? Connect with a market specialist.

Alarm Companies Insurance Insurance for Alarm Contractors, Installers and Security Companies Overview — RSG National Specialty Programs Ryan Specialty National Programs (RSG National Specialty Programs) offers a focused national program for alarm installers, alarm contractors and security companies. As a program administrator, RSG works with an exclusive carrier relationship and experienced program specialists so retail agents and brokers can secure comprehensive commercial coverage for clients in the low- to mid-market. Use this program when your clients need tailored general liability, professional liability and related coverages for alarm, access control and low-voltage operations. Ideal Accounts and Appetite Alarm and security contractors with mixed commercial and residential exposure. Installation-only or installation + monitoring operations. Clients doing CCTV, access control, home automation, home theater integration or low-voltage work tied to security systems. Small to mid-sized businesses that have written customer contracts (including liquidated damages clauses) and reasonably managed third-party exposures. Less appropriate: accounts with significant burglary-response operations that place employees in hazardous environments, high-loss prior histories without mitigation, large national integrators requiring admitted paper or unique state filings. Always confirm fit with underwriting before submission. Coverage Highlights and Advantages Primary General Liability designed for alarm contractors and installers. Professional Liability / Errors & Omissions to address faulty installation, system failures and monitoring mistakes. Personal Injury, Lost Key, and Care/Custody & Control extensions often available to mirror common industry exposures. Excess / Umbrella limits are available with in-house binding authority up to $10,000,000. Package options: Workers’ Compensation, Commercial Auto, Crime, Property and Inland Marine to build broader placements through the same program. Underwriting Notes and Minimum Premiums Typical submission requirements include a completed supplemental application, ACORD forms, five years of currently valued loss runs, and a copy of the customer contract that includes a liquidated damages clause. Minimums: General Liability minimum premium is $500. Underwriting will review contract language, installation practices, monitoring arrangements, and prior loss trends. Territories and Availability Available nationwide through 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. Admitted status: No States — verify admitted vs. non-admitted placement with program specialists for any state-specific requirements. Why Work with Ryan Specialty National Programs Program-focused underwriting with a specialty appetite for alarm and low-voltage trades. Access to a carrier relationship that supports both primary and excess limits and multiple ancillary lines. Responsive program specialists who can help structure submissions, identify gaps and coordinate multi-line placements. Example fits: You might have a regional alarm installer that performs commercial and residential installations, carries written customer contracts, and needs GL with E&O plus commercial auto — this program is built to address that package. Or you might place a home-automation integrator that needs primary GL with lost-key and care/custody extensions alongside inland marine for installed equipment. Submission Checklist Completed supplemental application ACORD applications/forms Five years currently valued loss runs Customer contract copy (with liquidated damages clause) Contact us today for more information on our Alarm Companies Insurance program! Frequently Asked Questions What types of alarm and security businesses are a good fit for this program?Installation and monitoring contractors, CCTV and access control installers, home automation and home-theater integrators with commercial and residential exposure and standard customer contracts are ideal. Larger national integrators or accounts with unmanaged high-risk operations may not fit. Which lines can I package through this program?Primary General Liability and Professional Liability (E&O) are core. Excess/umbrella, workers’ compensation, commercial auto, crime, property and inland marine are commonly available to create a multi-line placement. What are the key underwriting items I should include with a submission?Provide a completed supplemental application, ACORD forms, five years of currently valued loss runs and the insured’s customer contract that includes any liquidated damages clause. Clear contract terms and recent loss history help speed review. Is this program available in my state?The program is available across the states listed in the storefront. Because filings and admitted status can vary, confirm admitted vs. non-admitted availability and any state-specific requirements with the program specialists before submitting. What is the minimum premium to know up-front?The program’s minimum General Liability premium is $500. Final pricing depends on class, limits, exposures and loss history — include complete submission details for the most accurate indication. Need help placing an account? Connect with a market specialist.