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NetGuard™ Plus, the cyber liability solution from NAS Insurance Services, protects e-commerce clients from a wide range of digital risks — including network security breaches, data privacy incidents, PCI exposures, and online media liabilities. Overview of the Program From NAS Insurance Services NAS Insurance Services offers NetGuard™ Plus, a cyber liability program built specifically for retail and e-commerce businesses. Whether a client runs an online storefront, stores customer data, or depends on cloud services and social media for sales and marketing, NetGuard™ Plus provides flexible limits and a rapid breach response framework to help contain loss and reputational damage. Ideal Accounts and Appetite This program is best for e-commerce and retail operations that have direct consumer interaction online or that process payments electronically. Typical fits include: Direct-to-consumer online retailers and specialty storefronts Brands that handle customer PII or payment card data Companies that rely on cloud providers, third-party platforms, or social media for business operations You might place a growing apparel brand with an integrated online checkout and customer database, or a specialty shop that outsources fulfillment to cloud-based vendors — both are prime candidates for NetGuard™ Plus. Coverage Highlights and Advantages High breach response limits: Separate breach response sublimits that do not erode the policy aggregate, ensuring defense capacity for third-party claims. Network asset protection: Coverage for business interruption and data restoration following a security event. PCI fines & penalties: Payment card-related fines and associated defense costs are included where applicable. Notification & credit monitoring: Breach notification and consumer monitoring are available even if legal notification is not required. Pre-emptive PR expenses: Funds for public relations to manage reputational risk before issues escalate. No cloud or social media exclusions: Express coverage for exposures arising from cloud providers and social platforms. Limits are available up to $10 million, and each placement includes access to a breach response team staffed by industry experts to help coordinate forensics, legal counsel, notification, and remediation. Underwriting Notes and Minimum Premiums NetGuard™ Plus is underwritten by NAS Insurance Services as a Managing General Underwriter with placement access to Lloyd’s of London and other highly rated carriers. The program is designed to serve small to midsize e-commerce risks; minimum premium starts at $750. Underwriting focuses on current security controls, data volume and sensitivity, payment processing methods, and use of third-party vendors. Territories and Availability This is a non-admitted program available in most U.S. states. NAS currently writes NetGuard™ Plus in 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...UT, VT, VA, WA, DC, WV, WI, WY. Confirm eligibility for your specific state when submitting. Why Work With NAS Insurance Services? NAS Insurance Services brings specialized cyber underwriting and program administration experience. As an MGA, NAS pairs technical cyber expertise with access to top-tier markets — including Lloyd’s — to place complex e-commerce risks. Agents benefit from flexible limits, a ready breach response network, and responsive underwriting tailored to digital business models. Frequently Asked Questions What types of accounts are a good fit for this Cyber Liability program?Online retailers, e-commerce platforms, and businesses that collect or process customer data or payments online are ideal candidates for NetGuard™ Plus. Is coverage available for businesses that operate in the cloud or use social media?Yes. NetGuard™ Plus explicitly includes exposures from cloud providers and social media without special exclusions for those technologies. Are breach response costs included in the coverage?Yes. Breach response services — including notification, credit monitoring, and public relations — are included and can be provided even when notification is not legally required. What limits are available under this program?Policy limits are available up to $10 million, with separate breach response limits structured to preserve defense capacity for third-party liability claims. Which states is this program available in?The program is available on a non-admitted basis in most U.S. states. Review the listed territories or check eligibility for the applicant’s state before quoting. Need help placing an account? Connect with a market specialist.

If your clients operate cannabis dispensaries—whether they grow, sell, or distribute medical and/or recreational cannabis—making sure they have the right insurance protections is essential. With high customer volume, cash handling, and increased regulatory scrutiny, dispensaries face a wide range of exposures. Prime Insurance Company offers a tailored Cannabis Dispensary Insurance program designed to address the specific risks of this evolving industry. Overview of the Program From Prime Insurance Company Prime Insurance Company focuses on specialty and hard-to-place risks. The Cannabis Dispensary Insurance program is underwritten on a case-by-case basis with flexible terms and no minimum premium requirement. That approach lets Prime tailor coverage for start-ups, established retailers, multi-location operations, and businesses that add new services such as delivery or armed security. Ideal Accounts and Appetite This program is a fit for a broad range of cannabis-related operations, including: Retail cannabis dispensaries (medical and/or recreational) Storefront operations and delivery services Licensed growers and distributors who sell direct to consumers Multi-location businesses seeking consolidated or coordinated coverage Prime welcomes accounts with complex risk profiles, including prior claims, high customer counts, or enhanced security needs. Accounts outside appetite typically include unlicensed operations or businesses that engage in federally prohibited activities beyond state-legal cannabis commerce. Coverage Highlights and Advantages Prime’s program offers a comprehensive suite of coverages designed for dispensary exposures. Available coverages include: • Assault and Battery • Excess Coverage • General Liability • Personal Injury Coverage • Product Liability • Property Liability • Business Auto *Not available in NY • Security Personnel • Cargo Insurance • Business Interruption • Special Events • Errors and Omissions • Firearms, Concealed Carry Liability Note: Some coverages (for example commercial auto or admitted paper) are not available in every state. Prime will review each submission to determine eligible coverages and placement options. Underwriting Notes and Minimum Premiums There are no required minimum premiums for this program; Prime evaluates each risk on its own merits. Underwriting focuses on compliance (licensing and state regulations), security protocols, inventory controls, cash handling procedures, product labeling/packaging, and loss history. Providing clear documentation of licensing, security plans, and loss prevention measures helps speed binding and obtain the most favorable terms. Territories and Availability This program is available in most U.S. states. Prime can write accounts across a wide footprint, 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..., DC, WV, WI, WY. Availability of admitted vs. non-admitted paper varies by state and coverage line. Why Work With Prime Insurance Company on Cannabis Dispensary Risks Prime brings underwriting expertise in specialty and emerging markets, with a hands-on review process and the flexibility to consider non-standard risks. Turnaround tends to be fast when submissions include complete licensing and security details. Prime is a good option when you need an insurer willing to evaluate accounts with prior losses, higher customer throughput, or added services like delivery and on-site security. Example accounts you can place with this program: a retail dispensary that recently added delivery and needs product liability plus hired-security liability; or a multi-location operator seeking combined general liability and property coverage across several state-licensed stores. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed cannabis dispensaries, growers and distributors—both storefronts and delivery operations—are primary targets. Multi-location and higher-volume retailers are also considered. Is there a minimum premium required to bind coverage?No. Prime does not impose a minimum premium, allowing you to place small and mid-sized operations as well as larger accounts. Are accounts with prior losses or claims eligible?Yes. Prime reviews accounts individually and is open to placement for risks with prior claims, subject to underwriting review and loss-control measures. Is commercial auto coverage available in all states?No. Business auto availability varies by state and coverage type; Prime will confirm eligibility during underwriting. Can this program cover armed security or firearms liability?Yes. Coverage options include firearms and concealed carry liability where appropriate and where permitted by state regulations. Need help placing an account? Connect with a market specialist.

Bailey Special Risks, Inc. offers a comprehensive Non Profit Package designed specifically for not-for-profit organizations with fewer than 50 employees. This program delivers a broad range of essential coverages bundled into one convenient solution, making it easier for agents and brokers to meet the unique insurance needs of nonprofit clients. Whether your client is a charitable foundation, a community service group, or a trade association, this package is built to protect their people, property, and operations. Ideal Accounts and Appetite This program is ideal for small to mid-sized nonprofit organizations operating across various sectors. Eligible classes include: Chambers of Commerce Trade Associations Art and Cultural Organizations Community Service Organizations Foundations Business Associations Charitable Organizations Counseling and Referral Services If you work with nonprofit clients seeking broad coverage options and streamlined underwriting, this program offers a strong market opportunity. Coverage Highlights and Advantages The Non Profit Package from Bailey Special Risks is structured to provide critical protections across multiple areas of exposure: Directors & Officers and Employment Practices Liability Separate limits of liability Defense costs paid outside the policy limits Unlimited Extended Reporting Period for former directors and officers Businessowners Package Special form property coverage Occurrence-form General Liability Automatic coverage for volunteers Special Events Coverage Includes up to three events annually with up to 100 attendees at no additional charge Liquor Liability available in most states Events with up to 1,000 attendees considered Professional Liability and Abuse & Molestation Separate limits of liability Coverage provided on an occurrence form This bundled approach allows agents to offer nonprofits a well-rounded risk management solution without piecing together separate policies. Underwriting Notes and Minimum Premiums The program is underwritten by United States Liability Insurance Group, known for its financial strength and expertise in specialty markets. While minimum premiums may vary by class and state, the program is structured to be competitively priced for smaller nonprofit operations. Submissions should include a completed application and any relevant event or financial details for faster quoting. Territories and Availability This Non Profit Package is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD...UT, VA, WV, WI, WY Why Work With Bailey Special Risks, Inc. Bailey Special Risks is a trusted wholesale broker with expertise in placing specialty risks for nonprofit organizations. With access to top-rated carriers and a responsive underwriting team, BSR helps agents secure tailored solutions for complex nonprofit exposures. If you’re looking to place a nonprofit account that needs both D&O and GL, or an organization that hosts fundraising events, this program offers the flexibility and breadth to meet their needs. Frequently Asked Questions What types of nonprofit organizations are eligible for this program?Eligible classes include chambers of commerce, trade associations, charitable organizations, community service groups, and similar 501(c) entities with fewer than 50 employees. Does the program include coverage for special events?Yes, the policy includes up to three events per year with up to 100 attendees at no charge. Larger events and liquor liability can also be considered depending on the state. Are volunteers automatically covered under the policy?Yes, the Businessowners Package automatically includes coverage for volunteers, an important feature for many nonprofit operations. What states is this program available in?The program is available in 40+ states, including CA, TX, FL, NY, IL, and GA. It is written on a non-admitted basis. Who is the carrier for this program?The program is underwritten by United States Liability Insurance Group, a respected provider of specialty insurance products. Need help placing an account? Connect with a market specialist.

The helpful, knowledgeable team at Insential, Inc. is here to support agents and brokers in placing the right coverage for a wide range of nonprofit clients. With deep experience in the nonprofit sector, we understand the unique challenges these organizations face—whether it’s limited funding, volunteer shortages, or reputational risks. Our Nonprofit Insurance program is designed to help you protect these mission-driven organizations with tailored coverage solutions from trusted carriers. Insurance Solutions for a Wide Range of Nonprofits Nonprofits vary widely in size, mission, and operations, and so do their insurance needs. At Insential, we offer access to a broad selection of markets to help you place coverage for both small community-based nonprofits and large established institutions. We provide solutions for: Religious Institutions ... Lynn Powers 630-571-6393 Frequently Asked Questions What types of nonprofit accounts are a good fit for this program?We target a broad spectrum of nonprofit organizations, including religious groups, youth camps, schools, healthcare agencies, humane societies, and more. Both small and large entities are welcome. Are admitted and non-admitted options available?Yes. We offer access to both admitted and non-admitted markets, depending on the specific risk profile and location of the nonprofit organization. Which states is this program available in?The program is available in most U.S. states, including CA, TX, IL, NY, and many others. Contact us to confirm availability for specific states. What coverages can I expect to access through this program?Depending on the account, coverages may include General Liability, D&O, Professional Liability, Cyber, Abuse & Molestation, Property, and more. What is the typical minimum premium?Minimum premiums vary by account and carrier. Contact us to discuss your client's specific needs and we’ll help identify appropriate options. Need help placing an account? Connect with a market specialist.

Performing Arts Insurance Program from Gateway Specialty Insurance Gateway Specialty Insurance provides a focused wholesale program that helps agents and brokers place insurance for nonprofit performing arts organizations. The program is built for creative, volunteer-driven groups — from community theaters to regional orchestras — and is sized to protect the common liability and property exposures these clients face. Ideal Accounts and Appetite This program targets nonprofit performing arts entities, including: Ballet companies Choirs and vocal ensembles Comedians and improv/comedy groups Dance troupes and performance ensembles Musical groups and chamber ensembles Orchestras and symphonies Theater and drama groups Typical fits are nonprofit organizations with modest annual revenues, volunteer staff, rented or shared rehearsal space, and portable props or instruments. Organizations with significant for-profit activities, touring with high-value special effects, or unusually hazardous productions may fall outside appetite. Coverage Highlights and Advantages Gateway Specialty’s Performing Arts Insurance program brings together common coverages performing arts nonprofits need, with flexibility to tailor limits where appropriate: Directors & Officers (D&O) Liability — protection for board members and leadership against management-related claims. Employment Practices Liability (EPLI) — coverage for claims arising from employment-related allegations. General Liability — primary protection for third-party bodily injury and property damage at performances and rehearsals. Property Coverage — options for owned or leased premises, including contents and building exposures. Inland Marine — coverage for musical instruments, costumes, portable sound/lighting equipment, and other movable property. The program places business with highly rated carriers, including USLI and Alliance of Nonprofit, and offers admitted and non-admitted paper in select states to match each account’s needs. Underwriting Notes and Minimum Premiums Gateway Specialty keeps submissions simple for eligible risks. Minimum premiums typically fall between $400 and $750, which makes the program accessible for smaller nonprofit groups. For well-qualified accounts, underwriters can often return same-day or next-day indications. When submitting, include basic financials, details on volunteer versus paid staff, descriptions of performance venues and frequency, and a list of high-value portable items (instruments, sets, lighting). High-risk activities, significant gross receipts from commercial operations, or frequent out-of-state touring should be disclosed up front. Territories and Availability The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR..., UT, VT, VA, WA, DC, WI, and WY. Admitted coverage is available in some states; non-admitted options are used where needed to secure capacity. Why Work With Gateway Specialty Insurance? As a wholesale broker focused on nonprofit insurance, Gateway Specialty combines specialty underwriting, responsive service, and access to A++ rated markets. Agents benefit from underwriters familiar with performing arts exposures and the flexibility to place admitted or non-admitted paper based on the client and location. Example scenarios you can place through this program: A community theater nonprofit that needs general liability and property coverage for a season of six productions, plus inland marine for props and costumes. A regional youth orchestra that requires D&O and EPLI coverage for a volunteer board and protection for high-value instruments transported between rehearsal sites. To learn more about Gateway Specialty’s A++ rated admitted and non-admitted options, see their product detail page and request a quote via the existing link: insurance for nonprofit performing arts. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit performing arts organizations such as theater groups, choirs, orchestras, comedy troupes, and dance ensembles are ideal fits. Is coverage available on an admitted basis?Yes, admitted coverage is available in some states. Non-admitted options are also offered depending on the risk and location. What is the typical minimum premium for this program?Minimum premiums generally range from $400 to $750, depending on the type and size of the risk. Can I get a quote quickly?Yes, Gateway Specialty Insurance can often provide a same-day or next-day quote for qualified submissions. Which carriers are used for this program?This program is backed by trusted carriers including USLI and Alliance of Nonprofit, offering A++ rated coverage options. Need help placing an account? Connect with a market specialist.