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Gateway Specialty Insurance provides a competitive insurance program tailored specifically for nonprofit organizations — including chambers of commerce, booster clubs, parent-teacher associations, foundations, trade associations, and membership groups. As a wholesale broker with access to USLI and other top-rated markets, Gateway Specialty helps retail agents place comprehensive, affordable coverage for these unique risks. Overview of the Program From Gateway Specialty Insurance Nonprofit organizations serve vital roles in their communities but carry distinct liability and operational exposures. Gateway Specialty’s nonprofit program is structured to make quoting and placement simple for agents. You can expect straightforward submission requirements, fast turnaround (often same-day or next business day), and access to admitted markets where available—helpful when clients prefer admitted paper. Ideal Accounts and Appetite This program is designed for 501(c)(3) and similar nonprofit entities that need coverage for daily operations, board exposures, and fundraising or public events. Target classes include: Chambers of Commerce Booster Clubs and School Support Groups Parent-Teacher Associations (PTAs) Foundations and Charitable Trusts Trade and Professional Associations Membership-based nonprofits Good fits are organizations that run periodic fundraising events, manage volunteers, or maintain a governing board. Typically this program favors groups with straightforward operations and limited or well-managed event risk. Complex nonprofits with substantial property portfolios, high volunteer payroll exposure, or unusual licensing needs may require alternative markets. Coverage Highlights and Advantages Policies can be written as a package or monoline to match each client’s needs. Principal coverage options include: Business Owners Policy (BOP) Directors & Officers (D&O) and Employment Practices Liability (EPLI) Special Events Liability Crime Coverage (including Employee Dishonesty) Hired and Non-Owned Auto Liability (in most states) Umbrella Liability Gateway also offers complimentary risk management resources to help insureds lower exposures and meet venue or grant requirements. Underwriting Notes and Minimum Premiums The program accepts submissions with no appointment requirement and no premium commitment to quote. Minimum premium starts at $500, allowing placement of many small and mid-sized nonprofits. Underwriters typically review governance practices, event frequency and size, volunteer screening, and any fundraising/raffle activities. Provide ACORD forms and event details to speed quoting. Territories and Availability Available in most states: 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...T, VT, VA, WA, DC, WI, and WY. Most markets are admitted, which can simplify claims handling and compliance for insureds. Why Work With Gateway Specialty Insurance Gateway Specialty combines wholesale distribution with access to top carriers like USLI, experienced underwriting for nonprofits, and responsive account management. Agents benefit from fast quotes, flexible packaging, and no appointment barrier to submit. Whether you’re placing a single small PTA or managing a portfolio of membership associations, Gateway aims to deliver professional service and competitive terms. To submit an application, email your ACORD forms to submissions@gatewayspecialty.com. For questions, contact Anthony Vellutato at 877-977-4474 ext. 7044 or avellutato@gatewayspecialty.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofit organizations such as chambers of commerce, booster clubs, PTAs, foundations, and membership groups. Is there a minimum premium required?Yes. The minimum premium for this program starts at $500, making it affordable for small and mid-sized organizations. What coverages are available?Coverage options include BOP, D&O, EPLI, special events, crime, hired/non-owned auto, and umbrella. Policies can be written as package or monoline. Do agents need an appointment to submit business?No. There is no appointment or premium commitment required to submit nonprofit business to Gateway Specialty. How quickly can I get a quote?Gateway Specialty offers same-day or next-day turnaround on most nonprofit submissions when complete ACORDs and event details are provided. Need help placing an account? Connect with a market specialist.

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.

For over a century, Pennsylvania Lumbermens Mutual Insurance Company (PLM) and Indiana Lumbermens Mutual Insurance Company (ILM) have specialized in supporting the unique needs of the lumber, woodworking, and building materials industries. Through this strategic affiliation, PLM and ILM offer agents and brokers a reliable, long-term partner with deep industry knowledge, tailored coverages, and responsive service. Our Diversified Insurance Coverages program is structured to address the evolving risks faced by businesses in the lumber and building materials sectors. From sawmills and wood product manufacturers to distributors and retail yards, we understand the complexities your clients face and work with you to deliver insurance solutions that support their operations and growth. Ideal Accounts and Appetite This program is designed for businesses in the lumber, building materials, and wood products industries. Ideal accounts include: Lumberyards and building material dealers Wood manufacturers and millwork operations Wholesale distributors of wood-based products Sawmills and wood treating facilities If you have a client operating a multi-location lumber distribution business or a regional sawmill with specialized equipment and property exposures, this program offers comprehensive protection tailored to their operations. Coverage Highlights and Advantages PLM and ILM offer a broad portfolio of coverages designed to address the primary exposures of wood-related businesses. Available coverages include: Property General Liability Commercial Umbrella Commercial Auto Inland Marine Equipment Breakdown Business Interruption and Extra Expense In addition to robust coverage, clients benefit from specialized services that support risk prevention and claim resolution: Dedicated business development representatives Industry-specific risk management resources Experienced claims handling with wood industry expertise Flexible billing and payment solutions User-friendly producer portal for quoting and servicing Underwriting Notes and Minimum Premiums PLM and ILM underwrite each account with a focus on long-term risk management and financial stability. While minimum premiums will vary based on risk size and location, accounts with meaningful property, auto, or inland marine exposures are typically a good fit. Agents should be prepared to provide detailed loss history, property valuations, and operational overviews when submitting risks. Territories and Availability This program is available on an admitted basis in all U.S. states, including the District of Columbia. PLM and ILM proudly serve a national footprint, offering consistent underwriting, claims, and risk management support across all territories. Why Work With PLM and ILM As the only mutual insurance companies in the U.S. dedicated exclusively to the wood and lumber industries, PLM and ILM offer unmatched field expertise and a commitment to policyholder success. Agents working with PLM and ILM gain a strategic partner who understands their client’s business, provides value-added services, and backs it with responsive service and stable underwriting practices. Explore our website to learn how having PLM and ILM as your strategic partner can benefit you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for lumberyards, millwork operations, wood product manufacturers, and wholesale distributors of building materials. Is this program available in all states?Yes, the Diversified Insurance Coverages program is available in all 50 states and the District of Columbia on an admitted basis. Are there any specific underwriting requirements?Underwriters typically require detailed property information, loss runs, and a clear outline of business operations to assess risk appropriately. What value-added services do PLM and ILM offer?Policyholders benefit from specialized risk management, expert claims handling, dedicated representatives, and easy access to online tools through the producer portal. Who are the carriers behind this program?This program is backed by Pennsylvania Lumbermens Mutual and Indiana Lumbermens Mutual Insurance Companies. Need help placing an account? Connect with a market specialist. ...

What is Management Liability (Directors & Officers) Insurance? Directors and Officers (D&O) Liability Insurance is designed to protect the personal assets of a company’s management team—including board members, officers, and executives—against claims arising from decisions made in their corporate roles. These policies typically cover legal defense costs, settlements, and other liabilities associated with alleged wrongful acts such as mismanagement, breach of fiduciary duty, or failure to comply with regulations. Claims may stem from employees, shareholders, regulators, or other third parties. Why Offer Management Liability Insurance Through Gateway Specialty Insurance? Gateway Specialty Insurance offers a comprehensive Management Liability (Directors & Officers) program tailored to help agents place coverage for a wide range of organizational leadership exposures. Whether your client is a nonprofit organization, a privately held business, or a publicly traded company, we can help you secure the right protection for their leadership team. This program is available through most markets and is supported by Gateway’s expert underwriting and broker support team. Ideal Accounts and Appetite This program is suitable for: Nonprofit organizations, including 501(c)3s Privately held businesses in a variety of industries Publicly traded companies (subject to underwriting) Start-ups and emerging companies with active boards You might have a client who recently added outside board members and now faces increased exposure to shareholder actions. Or a nonprofit about to receive grant funding and needs D&O coverage to satisfy the grantor’s requirements. Gateway Specialty can help you place these accounts quickly and efficiently. Coverage Highlights Gateway’s D&O program includes robust features to help protect directors, officers, and board members: Duty to defend policy with full prior acts coverage Unlimited extended reporting period for former directors and officers Automatic outside directorship liability for 501(c)3 board service Standalone coverage options for D&O and Employment Practices Liability (EPL) Optional inclusion of Fiduciary and Crime coverage Choice of legal counsel in many cases Deductibles starting at $0 for D&O and EPL Defense outside the limits available Underwriting Considerations Gateway Specialty works with most available markets and offers flexible underwriting for a wide range of organizations. While there is no stated minimum premium, underwriting terms vary based on the size, structure, and risk profile of the applicant. Submission requirements typically include a completed application and details on corporate structure and financials. Available Nationwide Gateway Specialty’s Management Liability program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. With access to both admitted and non-admitted markets, Gateway can match your client’s needs with the appropriate coverage solution across diverse regulatory environments. Why Work With Gateway Specialty Insurance? As a wholesale broker with a national footprint, Gateway Specialty Insurance provides agents and brokers with access to strong markets and responsive underwriting for D&O risks. Their team understands the nuances of management liability and helps you navigate complex submissions efficiently. From nonprofits to private companies, Gateway delivers tailored solutions and concierge-level support to help you close more business. Call 877-474-7868 to phone quote. Email submissions to submisssions@gatewayspecialty.com. Call us at 877-977-4474 if you have any questions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofits, private companies, and select publicly traded firms looking to protect their directors and officers from management liability exposures. Can this policy include other coverages like EPL or Fiduciary?Yes, standalone or combined options for Employment Practices Liability, Fiduciary Liability, and Crime coverage are available depending on the client’s needs. Is this coverage available in all states?Yes, Gateway Specialty offers this program in most states across the U.S., including DC. Do you offer admitted or non-admitted markets?Most markets are available, giving flexibility to match each client with the best-fit solution, whether admitted or non-admitted. What’s required to get a quote?Typically, a completed application and basic company informat...s financials and organizational structure are needed to begin underwriting. Need help placing an account? Connect with a market specialist.

Brown & Riding offers a specialized Management Liability Insurance program designed to help agents and brokers place complex accounts confidently. Our team has deep expertise in this niche and leverages strong relationships with multiple markets to deliver tailored solutions with competitive pricing and coverage enhancements. Whether you're working with a private company, non-profit, or public entity, we can help you navigate the exposures and coverage options unique to each type of organization. Ideal Accounts and Appetite We welcome a broad range of accounts within the following categories: Private Companies: Standalone or package policies D&O, EPLI, fiduciary liability, crime, kidnap/ransom/extortion, and General Partnership Liability Side A DIC and Individual Directorship Liability options Excess or run-off coverage for D&O, EPLI, and fiduciary lines Workplace Violence Coverage Non-Profits: Small non-profits with under 100 employees Target classes include Chambers of Commerce, HOAs, and Condo Associations School Leaders E&O and Public Officials E&O Fast quote turnaround—often within 24 hours with multiple markets Public Companies: From Fortune 500 to micro-cap firms Support for new public offerings (IPOs) Detailed quote comparisons to help clients make informed decisions Example accounts might include a fast-growing private tech company concerned about board-level liability, a small local non-profit managing employee-related exposures, or a newly public company seeking Side A DIC coverage. If your client has a unique situation or emerging risk, we’re equipped to help. Coverage Highlights and Advantages Access to a wide range of carriers and market options Customizable coverage structures, including monoline or packaged Ability to negotiate enhancements based on account profile Support for emerging exposures and evolving risk environments Underwriting Notes and Minimum Premiums Minimum premiums vary based on coverage type and account size. We take a tailored underwriting approach, considering each account’s unique risk profile. Our volume and market leverage allow us to provide competitive options for complex or sensitive risks. Territories and Availability This program is available in AR, KS, LA, MO, OK, TN, and TX. We work with a variety of carriers, with most offerings written on a non-admitted basis. Why Work With Brown & Riding? As a leading general agency and E&S broker, Brown & Riding brings unmatched marketplace insight, underwriting expertise, and responsiveness to your management liability placements. Our team stays ahead of emerging coverage trends and regulatory changes, helping you protect your clients and close deals with confidence. Frequently Asked Questions What types of accounts are a good fit for this Management Liability Insurance program?This program is ideal for private companies, non-profits under 100 employees, and public companies—including those preparing for IPOs. Can I get monoline policies for just D&O or EPLI?Yes, we offer both monoline and package options depending on your client's needs. How quickly can I get a quote?For many non-profit accounts, quotes can be turned around within 24 hours. More complex accounts may require additional underwriting time. Are markets admitted or non-admitted?Most available markets are non-admitted, allowing for greater flexibility in coverage and pricing. In which states is this program available?This program is available in Arkansas, Kansas, Louisiana, Missouri, Oklahoma, Tennessee, and Texas. 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.

Fairs offer communities a unique opportunity to gather for entertainment, commerce, and education. Whether showcasing livestock, local produce, crafts, or hosting rides and special events, these gatherings involve a wide range of participants and exposures. American Specialty Insurance & Risk Services understands the complex risks associated with fairs and has designed a specialized insurance program that addresses these challenges with tailored coverages and services. Eligible Operations for Fairs Insurance County Fairs State Fairs Agricultural Shows Exhibitions Special Events Trade Shows Livestock Shows Festivals Vendors/Exhibitors Program Highlights for Fairs Insurance “Excellent” or higher A.M. Best Rated Carrier Admitted Coverage in All Available States Custom Program Forms and Rates Non-Auditable Policies 24-Hour Claims Service Dedicated In-House Underwriting & Claims Management Risk Management Consultation Online Agent Resources and Tools Program Coverages for Fairs Insurance General Liability Participant Legal Liability Volunteers as Additional Insureds Contingent Fireworks Liability Contingent Ride Liability Excess/Umbrella Liability Liquor Liability Automobile Property Crime Employee Benefits Liability Volunteer Accident Medical Workers Compensation Deductible/SIR Options Why Choose American Specialty for Your Fairs Clients? As a Managing General Underwriter with a long-standing reputation in the event and entertainment spaces, American Specialty offers a deep understanding of the unique exposures associated with fairs and similar events. Our in-house team handles underwriting, claims, risk management, and policy administration, giving agents a streamlined experience from submission to resolution. With program-specific forms and rating, we provide solutions that are designed—not adapted—for this class of business. You might have a client organizing a multi-day agricultural exhibition that includes livestock competitions, carnival rides, and food vendors. Or perhaps a regional trade show that includes indoor exhibits and live entertainment. These types of operations are exactly the risks we’re built to handle. Policies are available on an admitted basis across all 50 states and the District of Columbia. Minimum premiums vary depending on the size and scope of the event. Whether you're placing a one-time fair or looking for annual coverage for recurring events, we can help you find the right fit. For more information about our fairs insurance program and to access resources, visit our Fairs Insurance storefront or our company profile on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for county and state fairs, agricultural shows, exhibitions, livestock events, festivals, and vendors/exhibitors involved in such gatherings. Is the coverage admitted in all states?Yes, the program offers admitted coverage in all 50 states and the District of Columbia. Can this program cover rides and fireworks?Yes, contingent ride liability and contingent fireworks liability are available as part of the program coverages. Does the program provide coverage for volunteers?Yes, volunteers can be named as additional insureds, and volunteer accident medical coverage is also available. Who underwrites and manages the claims?American Specialty handles underwriting, claims, risk management, and policy administration in-house for a streamlined experience. Need help placing an account? Connect with a market specialist. ...