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...ble Operations: - Arenas - Amphitheaters - Auditoriums - Civic Centers - Coliseums - Convention centers - Movie theaters - Music halls - Performing arts cent...

...r-driven groups — from community theaters to regional orchestras — and is size...

...commercial swimming pools, movie theaters, casinos, parks, playgrounds, and pl...tainment venues like dance halls or theaters. Which states is this program ava...

...al societies, botanical gardens, theaters, and more. With underwriting experti...

Abuse/Molestation Insurance (Claims Made) Specialized Abuse/Molestation Insurance from NAS Insurance Services NAS Insurance Services offers a focused Abuse/Molestation Insurance program designed for organizations that have care, custody, or control of vulnerable people. Written on a non-admitted basis through Lloyd’s of London and other highly rated markets, the program delivers reimbursement coverage for legal expenses and loss tied to actual or alleged abuse or molestation. NAS positions this product to help agents place hard-to-place, high-sensitivity accounts that need tailored limits and defense handling options. Ideal Accounts and Program Eligibility This program targets organizations that routinely interact with minors or other at-risk populations. Typical classes we place include: Camps Churches Community theater and arts programs Mental health service providers Schools and tutoring services School bus companies Example placements: you might have a faith-based summer camp or a private tutoring company with volunteer staff. Those operations rely on trusted interactions and can benefit from a program that specifically addresses abuse/molestation exposure. Coverage Highlights and Advantages Key features of NAS’s Abuse/Molestation program include: Reimbursement-based coverage for Legal Expenses and Loss Free selection of defense counsel (subject to conditions and underwriting approval) First-party coverage available Prior acts coverage available for Legal Expense only Waiver of co-insurance when panel counsel is selected (applies to legal and loss) Coverage can extend to directors, officers, trustees, employees, and volunteers when the entity is named in a suit Program Guidelines and Underwriting Details The program is written on a claims-made basis and is structured for high-risk or difficult-to-place accounts. Typical guidelines include: Limits: Standard placement up to $250,000 per claim / $500,000 aggregate for reimbursement of Legal Expense and Loss. Higher limits can be considered for Legal Expense only. Minimum Premium: $2,500 Minimum Deductible: $2,500 Ineligible Accounts and Territories This program excludes Catholic organizations and international travel or student exchange programs. While the program is available in most U.S. states, reimbursement for legal expenses is not available in New York. Agents should confirm state-specific availability during submission. National Reach and Non-Admitted Expertise NAS operates as a Managing General Underwriter and Excess & Surplus Lines Broker with access to top non-admitted markets. The program can be placed in most states, including CA, TX, FL, NY (with the limit noted above), and many others. NAS’s underwriters have experience handling sensitive abuse/molestation risks and can assist with complex placements and tailored terms. Why Work With NAS Insurance Services? NAS brings focused expertise for hard-to-place social services and youth-serving exposures. Agents benefit from flexible underwriting, access to Lloyd’s and other strong markets, and program features that address defense selection and first-party needs. For more information or to discuss a specific account, visit the NAS website or call 818-722-2330. Frequently Asked Questions What types of accounts are a good fit for this program? Accounts that have direct responsibility for vulnerable individuals—camps, churches, schools, tutoring programs, mental health providers, and similar operations—are the primary fits. What limits and deductibles are available? Standard reimbursement limits are up to $250,000 per claim / $500,000 aggregate, with a minimum deductible of $2,500. Higher limits may be available for Legal Expense only placements. Is this program admitted or non-admitted? This is a non-admitted program placed through Lloyd’s of London and other highly rated carriers. Are there any states or classes that are excluded? Yes—Catholic organizations and international exchange programs are ineligible. Also note that reimbursement for legal expenses is not available in New York. Can clients select their own defense counsel? Yes. Free selection of defense counsel is allowed subject to underwriting approval and the program conditions (including the minimum deductible). Need help placing an account? Connect with a market specialist.

...s League Facilities Theater/Amphitheaters Entertainment Circuses Concert Pro...rses) Venues such as arenas, amphitheaters, theaters, and convention centers Motorsp...

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.