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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.

Comprehensive Non-Profit Insurance Program From Victor O. Schinnerer & Company Victor O. Schinnerer & Company, Inc. offers a robust Non-Profit Insurance program designed to meet the evolving liability needs of non-profit organizations. As a leading Managing General Underwriter (MGU), Schinnerer provides agents and brokers with access to broad and competitive coverage through Navigators Insurance Company. This program is available in all 50 states and the District of Columbia, offering flexibility and reach for your clients across the country. Ideal Accounts and Appetite This program is tailored for a wide range of non-profit entities. Target classes include, but are not limited to: Adoption agencies Agricultural cooperatives Chambers of commerce Charitable organizations Clubs and social grou...tions Golf and country clubs Museums and historical societies Political clubs Quasi-governmental organizations Homeowner and condo associations (select) Senior care and social service providers Student exchange and education programs Trade and professional associations If you work with non-profit clients that engage in community development, advocacy, education, or member-based services, this program may be an excellent fit. For example, you might have a client operating a regional senior care service or a professional trade group—both would fall well within the program’s appetite. Coverage Highlights and Advantages Schinnerer’s Non-Profit Insurance program offers claims-made policies with flexible and broad protection, including: Directors & Officers (D&O) liability Fiduciary liability Employment Practices Liability (EPL) Key coverage features include: Shared or separate limits for different coverage parts Defense costs outside the limits of liability Defense coverage for wage and hour claims A softened D&O hammer clause to support better claims outcomes These features are designed to address the real-world exposures non-profits face around governance, hiring practices, and fiduciary responsibilities. Underwriting Notes and Minimum Premiums The program has a minimum premium of $650, making it an accessible solution for smaller and mid-sized non-profits. Deductible structures are competitive, with: $0 minimum deductible for D&O coverage $1,000 minimum deductible for EPL coverage Limits are available up to $5 million, depending on the size and risk profile of the organization. Underwriting is responsive and experienced in handling the nuances of non-profit operations. Territories and Availability This program is available on an admitted basis in all 50 states and the District of Columbia. Whether your client is based in California, Florida, Texas, or any other state, Schinnerer can provide compliant and reliable coverage solutions. Why Work With Victor O. Schinnerer & Company? With decades of experience in specialty underwriting, Victor O. Schinnerer & Company has built a reputation for deep expertise and dependable service. Their Non-Profit Insurance program is backed by a strong carrier, Navigators Insurance Company, and is supported by underwriters who understand the unique challenges faced by non-profits. You get access to specialized coverage, fast quoting, and a partner who can help you place both routine and complex non-profit accounts. Frequently Asked Questions What types of non-profit organizations are eligible for this program?The program targets a wide range of non-profits, including charities, chambers of commerce, adoption agencies, foundations, clubs, trade associations, and more. What coverages are included in the Non-Profit Insurance program?Coverage includes Directors & Officers (D&O) liability, fiduciary liability, and Employment Practices Liability (EPL), with flexible limit options and key enhancements like defense outside the limits. Is this program available in all states?Yes, the Non-Profit Insurance program is admitted and available in all 50 states and the District of Columbia. What are the minimum premiums and deductibles?The minimum premium starts at $650. The minimum deductible is $0 for D&O coverage and $1,000 for EPL coverage. Who is the carrier backing this program?The program is underwritten through Navigators Insurance Company, a respected carrier in the specialty insurance market. 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.

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.

Gateway Specialty Insurance offers a fast and reliable market for Special Event Insurance, providing brokers and agents with access to both Admitted and Non-Admitted carriers. Whether you're placing coverage for a small community fundraiser or a large-scale music festival, Gateway Specialty can help you quote and bind policies quickly and efficiently. Ideal Accounts and Event Types Our program is designed to accommodate a wide range of special events, including but not limited to: Beer Gardens and Beer Tents Car Shows and Motor Vehicle Events Concerts and Musical Performances Conventions, Trade Shows, and Exhibits Festivals and Parades Fundraisers and Picnics Private Parties and Weddings Sporting Events (amateur or non-professional) Other Miscellaneous Gatherings This program is ideal for agents working with clients who host one-time or short-term events, especially where liability, liquor, or cancellation exposures are a concern. Coverage Highlights and Advantages Coverage options available through Gateway Specialty Insurance may include: General Liability Liquor Liability Event Cancellation Weather Insurance Hole-in-One Coverage With access to USLI and other trusted carriers, we provide flexible solutions tailored to the unique risks of each event. Liquor liability and weather protection options are especially valuable for outdoor and licensed events such as beer festivals or wedding receptions. Underwriting Notes and Minimum Premiums Our underwriting team is responsive and knowledgeable, helping agents navigate quotes with minimal friction. Minimum premiums start at: General Liability: $225 Liquor Liability: $325 We accept submissions via applications or ACORD forms. There is no premium commitment or contract required, making it easy to place business with us. Territories and Availability This 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...WA, DC, WI, and WY. Why Work With Gateway Specialty Insurance? Gateway Specialty focuses on niche commercial markets, including special events, allied healthcare, nonprofit, and technology risks. We offer low minimum premiums, flexible billing options (agency and direct bill), and expert account management. Our non-admitted expertise allows us to handle unique or hard-to-place event risks quickly and efficiently. If you have a client planning a single-day concert or a weekend fundraising festival, we can help you secure the coverage they need—fast. For submissions, email your applications to submissions@gatewayspecialty.com or 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 one-time or short-term special events such as concerts, festivals, fundraisers, weddings, and trade shows. What coverages are available for special events?We offer General Liability, Liquor Liability, Event Cancellation, Weather Insurance, and Hole-in-One coverage, depending on the event type. Are both admitted and non-admitted markets available?This program is placed through non-admitted markets, primarily USLI, allowing greater flexibility for unique and higher-risk events. What are the minimum premiums for this program?Minimum premiums start at $225 for General Liability and $325 for Liquor Liability coverage. How can I submit an application?You can email completed applications or ACORD forms to submissions@gatewayspecialty.com for a fast turnaround. Need help placing an account? Connect with a market specialist.