Specialty Lines Markets

Special events

Prize indemnification, contests, tournaments and weather coverage

By Larry G. France

Contingency insurance encompasses several types of coverage, not just hole-in-one, which is probably the most common.

The list includes:
Prize indemnification Hole-in-one
Sweepstakes/seeded games Lotteries
Sporting events Non-participant sports events
Guessing games Redemption games/over redemption
Game shows Web-site lotteries
Weather insurance Transmission failure
Event cancellation Non-appearance
Political risk Reduction in yield
Death and disgrace

Let’s look at a few that you may not have heard of—and maybe never will. However, just about the time you make that your mindset, a client will call and ask for coverage.

Transmission failure and preemption protects a client’s television advertising dollars or other revenue should the specific transmission signal that is supposed to send out their ad be interrupted or preempted.

Reduction in yield protects an organization’s bottom line in the event that projected revenue derived from ticket sales or visitors is not reached as a result of a covered peril. Amusement parks and casinos are two common prospects.

Death and disgrace involves the insured individual’s commission of a criminal act or any other act against public interest and/or the individual’s commission of an offensive act against public taste or “decency.” This provision is typically contained as an “out clause” in most sponsor endorsement agreements.

These and other definitions can be found on the North American Contingency Association’s Web site (www.nacaonline.com), along with information on the association and its upcoming 8th annual convention.

Scott Lacroix, executive director of underwriting at IC Group and current president of NACA, says: “NACA brings together an international gathering of the most prominent contingency insurers, reinsurers, brokers and service providers in the world. The three-day conference provides our attendees with wonderful networking and social opportunities, as well as a full day of educational panel discussions. It is a must for those organizations estab-lished in the specialized contingency industry and is an essential calendar date for those looking to expand their product offerings into this niche insurance field.”

Some recent creative promotions include IC Group’s “Catch Syndrome and you could Win $10 Million.” Client SBC Communications’ objective was to promote SBC products and services, increase traffic to the Web site, and gather demographic information while delivering a fun incentive to reward customers. (Syndrome is a character from the movie, “The Incredibles.”)

SCA Promotions worked with a shopping center to boost holiday traffic with a cookie toss into a bowl of milk sitting 20 feet away, with the winner receiving $10,000.

Homebuilders, mortgage companies, realtors and banks have used free mortgage contests to generate loans, increase traffic to open houses and boost response to print, mail and radio advertising.

Some key recommendations for writing special events come from Mark Beck of K&K Insurance:
• Begin early—submit applications well in advance of effective dates to facilitate the best responses from underwriters.
• Provide plenty of information.
• Include as many details as possible in submissions.
• Examine contracts. Obtain for review any contracts entered into by the insured. (Concessions, security and waste removal are examples.)
• Review Additional Insured exposures. What requirements does the insured have for providing additional insured status to other parties?

Don’t forget that some promotions may be held off site with considerable crowds attending the event.

It is also very important to make sure that the policy addresses exposures that special events contain. It may seem a good deal for the insured to extend coverage from existing primary coverage; however, it may not be as extensive as it should be and you also run the risk of depleting policy limits from the primary policy.

Looking to the future: The next three months of specialty articles will include EPLI (June), Personal and Commercial Umbrellas (July), and Trucking (August).

Refer to The Insurance Marketplace Specialty Lines Bulletin Board at www.roughnotes.com for updates on new products, enhancements to existing products, carrier appointments, products not available, contact changes and special interests.

The following have responded to our survey and indicated that they are a market for special events and/or contingency coverage:

Aberdeen Insurance Group
1364 Welsh Rd., Ste. E2
North Wales, PA 19454
Contact: Tom Downie
Phone: (800) 845-4150
Fax: (215) 641-1456
E-mail: aberdeeninsgrp@hotmail.com
Web site: www.aberdeeninsgrp.com
An E&S broker that operates in DE, MD, NJ, OH and PA with limits of $1 million per occurrence; unlimited aggregate limits. Target classes are holiday events, plays, concerts/shows, weddings, festivals, business meetings, and parties. Can offer cancellation, liquor liability, spectators, property, and excess. All carriers are rated A- or better.

Agency Marketing Services, Inc.
P.O. Box 67218
St. Pete Beach, FL 33736
Contact: John Coe
Phone: (800) 542-2805
E-mail: jcoe@agencymarketing.com
An E&S broker that operates in FL only with limits of $1 million/
$2 million for special events (excess available)—no minimum deductible; minimum premium of $500. Target markets are country clubs; private and fraternal clubs; on-premises banquet facilities; off-premises caterers; annual policy available for local church diocese, museum or catering hall, etc.; coverage available for promoters, vendors, caterers, building owners and fund-raiser beneficiaries; conventions; concerts; weddings; tournaments; festivals and parades. Will not write prize indemnification, weather coverages, carnivals, fairs with rides, firearms, hole-in-one tournaments covering more than two days or under 150 yards. Can offer liquor liability, commercial umbrella, food product liability, personal injury, advertising, and med pay. All carriers are A rated.

American Wholesale Insurance Group
110 William St., 21st Fl.
New York, NY 10028
Contact: Kelly Carney,
Carolyn Norton
Phone: (212) 858-8900
Fax: (212) 858-8967
E-mail:
kelly.carney@amwins.com
carolyn.norton@amwins.com
Web site:
www.amwins.com
An MGA/E&S broker that can operate in all 50 states with limits of up to $20 million, in-house; can obtain more in brokerage markets. Will consider any class in the recreation/sports/entertainment fields. Will not consider rap/hip hop, inflatables, mechanical amusements or heavy metal/gothic. Can offer liquor liability, event cancellation, venue liability, nonappearance or over redemption. Carriers are Hudson Specialty, Scottsdale, St. Paul Travelers, Lexington, North American Specialty, Clarendon, Lloyd’s, Chubb, Gen Star, and Admiral.

Aon Specialty Product Network
200 E. Randolph St., 18th Fl.
Chicago, IL 60601
Contact: Call 877 #
Phone: (877) 275-2776
Fax: (312) 381-6211
E-mail: moreinfo@askaspn.com
Web site:
www.askaspn.com
An MGA/E&S broker that operates in all states with various limits. Target classes are special events and event cancellation. Will not write prize indemnification, rap concerts, or hole-in-one. All carriers are A rated.

ASU International, Inc.
401 Edgewater Pl., Ste 400
Wakefield, MA 01880
Contact: Mark L. Barry
Phone: (800) 927-6306
Fax: (781) 994-6001
An MGU that operates in all states with disability limits of $30 million; event cancellation of $80 million. Target classes are entertainment, sports, media, events, and the promotion/advertising industries. Can offer prize indemnification, event cancellation, disability, and special event liability. Carriers are Lloyd’s, HCC (A+) and AIG (A+).

BAT Insurance Corp.
801 N. Brand Blvd., Ste. 310
Glendale, CA 91203
Contact: Tony Trocino
Phone: (818) 551-4588
Fax: (818) 551-4589
An E&S broker operating in CA only with open limits. Target market is fairs. Will not consider accounts under $1,500 in premium. All carriers are A rated.

CGA (Coverage Guarantee Association, Inc.)
3515 Park Place W., Ste. 100
Mishawaka, IN 46545
Contact: Art Roberson, Jr.
Phone: (800) 242-7789
Fax: (574) 271-1747
Web site: www.cgainc.com
A program administrator that operates throughout the entire United States and Canada with limits of $1 million. Will not consider liability, life, health or auto. Carrier is North American Specialty (A++).

Continental Bloodstock Agency, Ltd.
1818 Versailles Rd.
Lexington, KY 40504
Contact: Richard Grossman
Phone: (859) 233-1818
Fax: (859) 255-7506
E-mail:
dick@equineinsurance.com
Web site: www.equineinsurance.com
An agency that operates throughout the continental United States with limits of $1 million for most programs. Target classes are equine-related. Will not write chariot racing. Can offer care, custody and control. The carriers are AIG, ICH, W.R. Berkley, Genesis and Great American.

Continental/Marmorstein & Malone
305 Rte. 17 South
Paramus, NJ 07652
Contact: Bill Malone
E-mail: bmalone@ca-group.com
Web site: www.ca-group.com
An MGA/E&S broker that operates in NJ and NY only with primary limits of $1 million/$2 million (higher primary limits available depending on the risk); excess limits available up to $10 million. Will consider all classes of special events. Can offer liquor liability for special events. Carriers are Essex, Western World, USL/Mt. Vernon, Nautilus, and Chubb Custom.

EIB
P.O. Box 4439
Sandy, UT 84091
Contact: Russ Sorenson,
Nadine Guss, Missy Byrum
Phone: (877) 687-7342
Fax: (801) 304-5551
E-mail: russs@eibdirect.com
nadineg@eibdirect.com
melissab@eibdirect.com
Web site: www.eibdirect.com
An E&S broker that operates in all states with all limits. Will consider all classes. Prime is the rated B- carrier.

Entertainment Brokers International
10940 Wilshire Blvd., Ste. 1700
Los Angeles, CA 90024
Contact: William Cody, Aaron Ma, Mary DeSpirt
Phone: (310) 824-0111
Fax: (310) 824-5733
Web site:
www.entbrokersintl.com
An MGA operating in all states with the following limits: $5 million for prize indemnification and hole-in-one, $1 million/$2 million CGL, $10 million umbrella for special event liability, $5 million for event cancellation and nonappearance. Can offer special event liability and even cancellation. Carriers are Clarendon (A-) and North American Specialty (A++).

Francis L. Dean & Associates, Inc.
P.O. Box 4200
Wheaton, IL 60189
Contact: John Dean
Phone: (800) 745-2409
Fax: (630) 665-7294
E-mail: jdean@fdean.com
Web site: www.fdean.com
An MGU/program administrator operating in all states with limits of $1 million/$2 million for special events. Target markets are most classes of special events, specializing in small to medium-sized events. Will not write heavy metal, hard rock or rap concerts, or motorsports. Can offer participant accident coverage. Various A rated carriers are used.

Gateway Underwriters Agency
1714 Deer Tracks Trail, Ste. 210
St. Louis, MO 63131
Contact: Donna Schaefer,
Barb Smeltz
Phone: (800) 325-7652
E-mail:
donna.schaefer@gua-stl.com
Web site:
www.gua-stl.com
An MGA that operates in IA, IL, KS, MO and NE with limits of up to $5 million. Can offer liquor liability. Western World, Nautilus, National Indemnity, Scottsdale and USLI are the carriers.

Harry W. Gorst
9310 Topanga Canyon Blvd.
Chatsworth, CA 91311
Contact: Fran Locke,
Nancy Brown, Rochelle Cordova
Phone: (818) 507-0900
Fax: (818) 507-1133
Web site: www.gorst.com
An MGA/E&S broker operating in CA only with GL limits of up to $10 million. Target classes are arts and crafts shows, bazaars, Christmas tree lots, exhibitions, fairs, festivals, weddings, auctions, indoor auto/boat shows, outdoor fairs/parades/picnics, meetings, renaissance festivals, seminars, dances, tournaments (excluding participants), and theatrical/stage performances. Will not write weather coverage, airplane/helicopter rides, air shows, skydiving, balloon rides, boat races, bungee jumping, concerts (hard rock, heavy metal, rap, etc.), fraternity/sorority events, go-kart tracks, gun shows, motorcycle races/rallies, protest rallies (political, religious, etc.), war games, or wrestling matches. Can offer liquor liability. Scottsdale (A+), Colony (A), Western Heritage (A+), and Markel (A-) are the carriers.

Hermitage Insurance Co.
1311 Mamaroneck Ave., Ste. 135
White Plains, NY 10605
Contact: Jeff Love, Ext. 425
Phone: (914) 683-8008
An insurer that operates in GA, NJ, NY, PA and RI on an admitted basis and most other states on a nonadmitted basis, with limits of $1 million/$3 million. Hermitage is a B rated company.

High Ridge Agency
266 High Ridge Rd.
P.O. Box 8209
Stamford, CT 06905
Contact: Tom Massotti
Phone: (800) 626-0007
Fax: (203) 322-3941
E-mail: highridgeagency@att.net
A general agent/E&S broker that operates in all states except AK, HI, NH and VA with liability limits of $1 million/$2 million and umbrella up to $5 million additional (up to 10,000 daily attendance and up to 90 days). Target classes are holiday events, plays, concerts/shows, weddings, festivals, business meetings, and parties. Can offer property, GL, excess liability, liquor liability, hired/non-owned auto, participant/spectator medical, and event cancellation. All carriers are rated A or better.

Hole In One International/Odds On Promotions
6195 Ridgeview Ct., Ste. A
Reno, NV 89509
Contact: Mark Gilmartin
Phone: (800) 827-2249
Fax: (775) 826-4653
Web site: www.holeinoneinternational.com
A risk purchasing group that operates in all states with limits of $1 million. Target classes are hole-in-one and odds promotions. Insurance Corp. of Hannover is the A rated carrier.

Hull & Company, Inc.
2150 S. Andrews Ave.
Ft. Lauderdale, FL 33316
Contact: Robert Briggs
Phone: (800) 678-4855
Fax: (954) 524-0479
E-mail: info@hullco.com
Web site: www.hullco.com
An MGA/E&S broker operating in CA, CO, FL, HI, KS, LA, MO, MT, NC, NE, SC, TX and VA with limits of up to $500,000. Target classes are special events (parades, festivals, art fairs, and concerts), and hole-in-one contests. Can offer liability coverage. All carriers are A rated.

Insurance Innovators Group
130 S. Easton Rd.
Glenside, PA 19038
Contact: Etty Herzig, Janet Barton
Phone: (800) 523-6422
Fax: (215) 886-2482
E-mail:
etty@iiigroup.com
janet@iiigroup.com
Web site:
www.iiigroup.com
An MGA/E&S broker operating in CT, DE, MA, MD, ME, NH, NJ, PA and VT with primary and excess limits. Target classes are amateur sporting events, concerts, lectures, trade shows, auctions, reunions, festivals, hole-in-one, and social gatherings. Can offer GL and liquor liability. All carriers are A+ rated.

Interstate Risk Placement, Inc.
3523 W. Willow Knolls Dr.
Peoria IL, 61614
Contact: Rick Sutton,
Chris Henderson
Phone: (800) 642-8397
Fax: (309) 693-0402
E-mail:
ricks@interstaterisk.com
An MGA that operates in AR, IL and MO with GL limits of $1 million, property of $1 million, and liquor liability of $1 million. Target classes are restaurants and bars (including late closing), and liquor stores. Can offer food spoilage, inland marine, crime, and hired/non-owned auto. Lloyd’s (A-), First Financial (A-), Burlington (A-), Acceptance Casualty (B++), and Essex (A) are the carriers.

Jacobs & Associates
8227 Brecksville Rd.
Brecksville, OH 44141
Contact: Beth Jacobs,
Vince Momosor, Lynette Nycz
Phone: (440) 838-1870
Fax: (440) 838-0742
Web site:
www.jacobsnow.org
An E&S broker that operates in OH only with limits of $5 million. Target classes are weddings, parties, concerts, golf outings, fairs, and exhibitions. Will not consider rap or heavy metal concerts, or hip hop. Can offer special events, prize indemnification, hole-in-one and event cancellation. Scottsdale, Western Heritage, Mt. Vernon, and Colony are the A+ rated carriers.

K&K Insurance Group, Inc.
1712 Magnavox Way
Fort Wayne, IN 46804
Contact: Kevin Kurtz, David Mello
Phone: (866) 554-4636
Fax: (260) 459-5663
E-mail: kk_general@kandkinsurance.com
kevin_kurtz@kandkinsurance.com
david_mello@kandkinsurance.com
Web site: www.
kandkinsurance.com
An MGU that operates in all states with in-house authority (capacity may vary by class of business). Target markets are auctions, banquets, bazaars, charity events, concerts, conventions, craft displays, debutante balls, Fiesta de Quinceanera, graduations, job fairs, lectures, meetings, pageants, parades, proms, religious assemblies, receptions, reunions, seminars, shows, social gatherings, and weddings. Can offer GL, liquor liability, vendor coverage, contingent ride liability, fireworks liability, volunteer coverage, property, business income, commercial auto, inland marine, crime, and excess liability as well as D&O for nonprofits. All carriers are rated A or better.

London American General Agency, Inc.
P.O. Box 919243
San Diego, CA 92191
Contact: Clint Palaci, Laura Mills, Vicki Larry
Phone: (858) 547-9000
Fax: (858) 547-9199
An MGA/E&S broker that operates in AZ, CA and NV.
M.J. Hall & Company, Inc.
709 N. Center St.
Stockton, CA 95202
Contact: Norm Amick
Phone: (209) 948-8108
Fax: (209) 465-3843
Web site: www.mjhallandcompany.com
An MGA/E&S broker operating in AK, AZ, CA and NV with various limits. Target classes are special events and prize indemnification. Will not write weather cancellation. All carriers are A rated.

M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Heather Duffield,
John Jennings, Shawna Cooke
Phone: (800) 725-7211
Fax: (417) 883-7103
E-mail: hduffield@mjkelly.com
Web site: www.mjkelly.com
An E&S broker operating in AR, FL, IA, IL, KS, MO, MS, OK and TN with various limits. Can offer liquor liability. Will not consider participant coverage. Various carriers are used to place coverage.

Market Finders Insurance Corp.
P.O. Box 6549
Louisville, KY 40206
Contact: Karen Cornett, Susan Hudgins, Joe Miller
Phone: (800) 626-5660
E-mail: kcornett@mfic.com
Web site: www.mfic.com
An MGA/E&S broker that operates in IN, KY, OH, TN and WV with various limits. Target classes are festivals, weddings, special events, flea markets, family reunions, half-court shots, prize indemnification, field goal kicks, concerts (outdoor), and tournaments (sports, outdoors). Will not write liquor that is not professionally served (BYOB, open bar, etc.). Can offer liquor liability and inland marine. Various carriers are used to place coverage.

McSweeney Agency
505 High St., 2nd Fl.
Burlington, NJ 08016
Contact:
Richard McSweeny, Ext. 13
Phone: (609) 387-0101
Fax: (609) 387-7171
An MGA/E&S broker that operates in NJ and PA only with limits of $1 million. Will consider all classes. All carriers are A rated.

Midlands Management Corp.
3503 N.W. 63rd, Ste. 305
Oklahoma City, OK 73123
Contact: Nettie Gober,
Brandon Davis
Phone: (800) 800-4007
Fax: (405) 840-5432
E-mail: info@midman.com
Web site: www.midlandsmgt.com
An MGA operating in AR, KS, OK and TX with limits of $1 million/$1 million. Target classes are one to three-day events, shows, parties, theater, meetings, contests, events such as bingo, political meetings, and miscellaneous such as Easter egg hunts or Christmas tree lots. Can offer hole-in-one. All carriers are A rated.

NIF Group/NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Nancy Williams
Phone: (800) 892-8892
Fax: (516) 365-7392
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An MGA/E&S broker that is admitted in all states and nonadmitted in 25 states and offering limits of $1 billion. Target class is special events. Will not write prize indemnification or hole-in-one. Can offer umbrella, package, GL, property and liquor liability. All carriers are A rated.

Philadelphia Insurance Companies
One Bala Plaza, Ste. 100
Bala Cynwyd, PA 19004
Phone: (800) 873-4552
E-mail:
phlysales@phlyins.com
Web site:
www.phlyins.com
An insurer that operates in all states except LA with limits of up to $10 million with umbrella available. Target markets are nonprofit, for-profit/social service. Will not consider monoline special event coverage. Writes only special event coverage in conjunction with its social service program. Philadelphia Insurance Companies (nonadmitted) and Philadelphia Indemnity (admitted) are rated A+.

Prime Insurance Inc./I.E.B.S.
P.O. Box 4439
Sandy, UT 84091
Contact: Any underwriter
Phone: (877) 4243-8181
Fax: (877) 452-6910
E-mail: uda@primeis.com
Web site: www.primeis.com
An insurer (Prime), MGA (I.E.B.S.) that operates in all states with all limits. Will consider any class. Prime is rated B- and Lloyd’s is rated in the A range.

R.E. Chaix & Associates
41 Corporate Park, Ste. 310
Irvine, CA 92606
Contact: Tim Chaix
E-mail: timc@rechaixinsurance.com
Web site: www.rechaixinsurance.com
An MGA/E&S broker operating in CA only with limits up to $1 million with liquor liability. Target classes are swap meets, concerts, weddings and golf tournaments. Will not write hard rock concerts. All carriers are nonadmitted and rated A+.

R.V. Nuccio & Associates, Inc.
10148 Riverside Dr.
Toluca Lake, CA 91602
Contact: Special event desk
Phone: (800) 567-2685
Web site: www.rvnuccio.com
A program administrator that operates in all states with limits of up to $5 million. Can offer property and liquor. Fireman’s Fund is the carrier.

Robert A. Schneider Agency
5620 Smetana Dr., Ste. 225
Minnetonka, MN 55343
Contact: Jody Stolp
Phone: (800) 832-6038
Fax: (952) 938-0701
E-mail: rs@rasinc.com
Web site: www.rasinc.com
An MGA/E&S broker operating in IA, MN, ND, SD and WI with limits of $2 million. Will consider all classes except moon walks. Can offer auto, property and inland marine. Nautilus, Penn America, Burlington, and Essex are the carriers.

Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Tony Armor,
Scott Sackers, Dave Lehman
Phone: (800) 752-8402
Fax: (317) 776-6891
Web site: www.roushins.com
An MGA that operates in IL, IN and OH with customary limits of $50,000; higher limits available. Target classes are concerts, golf tournaments, fishing contests, fireworks displays, special events, sport event sponsors, conventions and trade shows. Can offer $1 million/$2 million liability for premises/operation, products/completed operations, personal advertising injury, fire damage, med pay; and CGL or GL up to $25 million (with excess). Scottsdale (A+), Century (A), Essex (A), Evanston (A) and Atlantic Casualty (A) are the carriers.

Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Jeff Latke, Chris Moyer, Mike Kraus
Phone: (800) 333-7226
Fax: (800) 677-6779
E-mail:
info@russellbond.com
jlatke@russellbond.com
cmoyer@russellbond.com
mkraus@russellbond.com
An MGA/E&S broker offering this particular product in NJ, PA and NY with limits starting at $100,000/$100,000 up to $2 million/$3 million (higher possible depending on the event). Target classes are social gatherings, exhibitions, dinner/dances, weddings, craft shows, trade shows, festivals/fairs, reunions, fishing derbies, concerts and fireworks shows. Can offer GL, excess liability, liquor liability, event cancellation, prize indemnifica-tion and weather insurance. All carriers are rated A- or better.

SCA Promotions, Inc./SCA Insurance Specialists, Inc.
8300 Douglas Ave., 6th Fl.
Dallas, TX 75225
Contact: Sheila Murphy Brian
Phone: (888) 860-3700
Fax: (214) 860-3723
E-mail:
info@scapromo.com
Web site: www.scapromotions.com
An agency that operates worldwide with limits of up to $1 million annuity. Will not write life insurance. Can offer bonds (games of chance). North American Specialty is the A+ rated carrier.

Sports - Can Insurance Consultants Ltd.
800 W. Pender St., Ste. 730
Vancouver, BC, CN V6C 2V6
Contact: John Hart
Phone: (800) 993-6388
Fax: (604) 669-1007
E-mail: jhart@sports-can.ca
An MGA that operates in Canada only with liability limits of $5 million. Target class is leisure activities only. Can offer sports accident. Lloyd’s is the carrier.

SUREBET Prize Indemnity
3602 Jetton Ave.
Tampa, FL 33629
Contact: Albert Elia
Phone: (800) 658-2931
E-mail:
sales@surebet.org
Web site:
www.surebet.org
A program administrator that operates in all 50 states, the U.S. territories and Canada with limits of $1 million. Will consider all classes. Can offer prize indemnity, hole-in-one, and weather. All carriers are rated A+.

Surplus Insurance Brokers Agency, Inc.
P.O. Box 749
South Bend, IN 46624
Contact: Carol Dhoore, Sean Urbanski, Martha Salwin
Phone: (800) 342-5706
Fax: (800) 578-7758
E-mail:
cdhoore@surplusins.com
Web site:
www.surplusins.com
An MGA operating in IL and IN only with limits of $1 million. Target classes are hole-in-one and festivals. Can offer sports accident. Carriers are Capitol Indemnity (A+), Scottsdale (A+), Interstate (A), and Northfield (A).

Symons International Group (Florida), Inc.
2300 Glades Rd., Ste. 135E
Boca Raton, FL 33431
Contact: Barbara Berenbaum, Jane Otto
Phone: (800) 275-4348
Fax: (561) 392-2995
E-mail: jotto@sigfl.com
An MGA that operates in FL only with limits of $1 million/$2 million. Target classes are conventions, auctions, exhibitions, fairs, festivals, meetings, parades, picnics, weddings and walkathons. Will not consider air shows, boat shows, prize indemnification or hole-in-one. Can offer liquor liability. Burlington is the A rated carrier.

TSI Sports, Inc.
P.O. Box 1320
Flowery Branch, GA 30534
Contact: Gloria Evans
Phone: (800) 465-3461
Fax: (770) 534-2233
E-mail:
golf@tsisports.com
Web site:
www.tsisports.com
An agency that operates in all states with limits of $2 million. Will consider all classes. Can offer event cancellation, special events liability, conditional weather, and non-owned auto liability. St. Paul Travelers is the A+ rated carrier.

Western World Insurance Company
400 Parson’s Pond Dr.
Franklin Lakes, NJ 07417
Contact: Timothy P. Hochkeppel
Phone: (201) 847-8600
Fax: (201) 847-1010
Web site: www.westernworld.com
An insurer that operates in all states with GL limits of $1 million/
$2 million (no surety). Target markets are smaller, lighter risks. Will not write prize indemnification or weather insurance. Can offer GL, property and floaters. Western World is rated A+ as is Tudor.

WKF&C Agency, Inc.
One Huntington Quadrangle,
Ste. 2C18
Melville, NY 11747
Contact: Christine Ingraham, Steve Roeder, Tom Wilson
Phone: (800) FAIRSKY
Fax: (631) 756-2500
E-mail: cingraham@wkfc.com
sroeder@wkfc.com
twilson@wkfc.com
An MGA/program manager that operates nationwide with limits of up to $10 million, depending on line/program. Target classes are fairs, festivals, carnivals, civic events, concerts, outdoor events, weddings, parades, sporting events, entertainment, restaurants, golf courses, municipalities, retail stores and sales promotions. Will not write agriculture or utilities. Can offer event cancellation, hurricane and evacuation. St. Paul Travelers is the primary carrier with additional A or better rated admitted/nonadmitted carriers also available.

Yates & Associates Insurance Services
2100 E. Fourth St., 2nd Fl.
Santa Ana, CA 92703
Contact: Alex Zardeneta
Phone: (800) 660-1125
Fax: (800) 348-8588
E-mail: azardeneta@yates-assoc.com
Web site: www.yates-assoc.com
An MGA that operates in CA only with various limits. Will consider all classes. All admitted and nonadmitted carriers are A rated. *