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... Franchise and independent movie theaters, including single-screen and small chains Drive-in theaters Not-for-profit and for-profit ...ideal for franchise and local movie theaters, drive-ins, traveling theatrical ...

...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...

...s Insurance Concert Halls Amphitheaters Civic Centers Coliseums Stadiums Stage Theaters Musical Theaters Symphony Halls Convention Centers ...ccounts include concert halls, amphitheaters, civic centers, symphony halls, a...

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

...ot limited to): Community theaters, art centers and galleries Civic...ze nonprofit arts groups, community theaters, civic clubs, social clubs, histo...

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.

```html Great Point Insurance offers a tailored Convenience Store Insurance program designed to meet the unique liability and property exposures faced by convenience store operators. Through our exclusive platform at www.UmbrellaPro.com, agents can instantly quote, bind, issue, and invoice coverage—streamlining the process for both you and your insureds. Recent Umbrella Placements We’ve successfully placed coverage for a wide variety of retail and service businesses. Here are a few recent examples: $10M Umbrella Limit - Premium $1,000 Type: Pet Grooming Exposure: $325,000 Gross Receipts $5M Umbrella Limit - Premium $850 Type: Convenience Store Exposure: $2,000,000 Gross Receipts $10M Umbrella Limit - Premium $1,000 Type: Movie Theater Exposure: $650,000 Gross Receipts $5M Umbrella Limit - Premium $1,800 Type: Landscaper Exposure: $950,000 Gross Receipts Ideal Accounts and Appetite Our program is built for retail businesses with standard to moderate risk. Convenience stores with steady foot traffic, fuel sales, or ancillary services such as lottery sales and food items are a great fit. We also write a broad range of related retail classes, making it easier for you to place multiple accounts with one trusted partner. Popular Classes We Serve • Clothing or Wearing Apparel • Beverage Stores (Liquor, Wine) • Bicycle Stores – Sales and Servicing • Retail Stores • Department or Discount Stores • Furniture Stores – For Profit • Gift Shops – Not For Profit • Hardware Stores • Nail Salons • Musical Instrument Stores • Pet Stores • Rental Stores (NOC) • Shoe Stores • Ice Cream Stores • + Hundreds of other eligible classes Program Features and Benefits Instant online quoting, binding, and policy issuance via UmbrellaPro.com Flexible umbrella limits to meet various client needs Broad eligibility across over 600 commercial classes Competitive premium options with a streamlined process Territories and Availability This program is available in all 50 states and Washington, DC, including 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, WV, WI, and WY. Why Work With Great Point Insurance? Great Point Insurance is focused on delivering fast, reliable, and accessible umbrella insurance solutions for retail and service-based businesses. With our proprietary UmbrellaPro platform, you gain speed and convenience without sacrificing underwriting expertise. Whether you’re handling a single location or a multi-store operator, we provide the tools and support to help you succeed. Visit www.UmbrellaPro.com to request access and start placing Convenience Store Insurance and other commercial umbrella risks today. Frequently Asked Questions What types of accounts are a good fit for this program?Convenience stores with typical retail exposures, moderate foot traffic, and gross receipts under $5 million are ideal. We also welcome related retail classes like liquor stores, ice cream shops, and hardware stores. Can I bind coverage instantly through the platform?Yes. Our UmbrellaPro platform allows you to instantly quote, bind, issue, and invoice policies online, streamlining the process for you and your clients. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC. Is there a minimum premium requirement?Minimum premiums vary by class and limit selected, but we offer competitive pricing to fit a wide range of accounts. What other types of retail businesses can I place through this program?In addition to convenience stores, we accept a wide range of retail classes including clothing stores, gift shops, nail salons, bicycle shops, and more. Need help placing an account? Connect with a market specialist. ```

...rs, and historic house museums Theaters, historic inns, estates, and restore...seums, heritage societies, historic theaters and homes, and organizations that...