Get your free tacos." In March, when the Russian space station MIR returned to earth, Taco Bell floated a 40' x 40' target off the coast of Australia with the message "Free Tacos Here" for the world to see. If the core of the MIR were to hit the floating billboard, everyone in the United States (281 million people) would receive a free taco. At 69 cents each that comes to $193,890,000. (If only a fragment of the MIR hit the target, there was to be no payoff. The core of the MIR had to hit the billboard.)
Okay. So, if the core of MIR had managed to come down on that exact spot, there would have been a payoff. Not everyone likes tacos, however, so that dollar amount would have been less. If you are a taco fan, you probably are not going to eat just one--plus you will need a drink to go along with it, so you'll be increasing Taco Bell's volume of business. Wouldn't you like to have all those people visiting your business?
Assuming that the 69 cents is somewhat higher than the cost to produce the product, how much do you think Taco Bell would really have spent? It might have been tempting to use out-of-pocket cash to cover the risk, considering the remote probability of its actually happening. However, according to the media, Taco Bell purchased a policy to cover the cost of the 280 odd million giveaway tacos.
How much visibility has Taco Bell received just by setting up the promotion? Prize indemnification is a great marketing tool for businesses to gain publicity and increase sales with a relatively small outlay of cash. Newspapers, radio and television all reported this promotion to different degrees. They talked about the promotion prior to the splashdown and then reported that the "billboard hit" didn't take place. Great free publicity. The floating advertisement is still adrift in the Pacific, and Taco Bell is running a two for 99 cents special on tacos.
Innovation is the key word when talking about prize indemnification. Hole-in-one, half court shots, and fishing contests are common. Almost any idea a client might propose can be put together for the right price and policy wording. New product listings for prize promotions in the 2001 edition of The Insurance Marketplace include phone card, Internet, and media promotions. SCA Promotions of Dallas is the market for each.
With phone card promotions, the cards--providing free long distance time--include the sponsoring company's logo. Internet promotions offer information, buying and communication opportunities. Media promotions can boost market share for radio and print communications and also impact listener or reader loyalty.
TSI Sports of Flowery Branch, Georgia, offers promotion and contest packages for prize indemnification such as hole-in-one and fishing contests but also provides services, signs, and banners to help sponsors promote the event. According to Jennifer Spindola, "Using state-of-the-art digital production capabilities, we supply a variety of signs to meet every requirement and budget. Our superior quality signs and banners assure these companies that they are putting their best image on the golf course."
Coverage for special events includes general liability and, in some cases, other coverages such as inland marine, auto, liquor liability, and workers compensation. Liability can be divided into two separate categories--spectators and participants.
The one encountered most frequently is spectators liability, such as people in the bleachers. Some events also will have a participants exposure. Examples of this type of risk are sports (amateur and professional) and motor sports events. Most policies will exclude coverage for the participants; however, a buy-back or separate coverage can be placed. Rodeo riders have an association where medical coverage is available. Other likely exclusions are fireworks, watercraft, and carnival rides.
Attention should be paid to the policy form. Is it straight ISO or has it been tailored to anticipate special event exposures and conditions? Is the carrier admitted or non-admitted and will non-admitted be acceptable to the client? Don't just look at the pricing when trying to place coverage for an event. There are differences in policies that can put your client's financial position and your agent's E&O in jeopardy. If your client is just looking for a certificate, then price may be a factor, but in most instances the proper coverage is primary (no pun intended).
The more information you can provide the market, the better quote you can obtain. Loss history, schedule of events, photos, copy of contracts, evacuation plans, and maintenance records all can be helpful in giving the underwriter reason to accept the risk with competitive pricing.
The market for special events is firming. Dale Johnson of K&K's Events and Attractions Division states: "Because of current market conditions, we have seen some limitations in capacity available for special event risks, with some carriers pulling out of the special events marketplace entirely. Additionally, we've noticed markets that have continued to provide coverage but have implemented some fairly significant rate increases."
Tim McCoy, K&K division vice president adds: "Changes in market conditions have actually resulted in increased opportunities for K&K. The 15-year partnership we have with our market, TIG Specialty Insurance, allows us to control rate increases and continue providing broad coverage options and competitive pricing in the special event market."
Weather insurance can play a big part in rounding out the special event package. Too much rain or not enough snow can make or break the success of the client's event. Barb Smeltz of Gateway Underwriters Agency in St. Louis says, "Requests for weather insurance are on the rise." This is true across the country. More and more quotations are being prepared with weather insurance as part of the options.
The following markets responded to our survey and indicated that they can provide coverage for special events or prize indemnification or both. Some of the markets operate regionally while others operate not only in the United States, but in Canada and worldwide.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Jeff Latke, ASLI, Ext.147; Chris Mayer, ASLI, Ext. 149; Dave Haumesser, Ext. 150
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail: info@RussellBond.com
Web site: www.Russell Bond.com
An MGA operating in New York, offering limits of $2 million/$3 million and higher. Target markets are social gatherings, craft shows, hole-in-one, exhibitions, trade shows, fishing derbies, dinners/dances, festivals/fairs, concerts, weddings and reunions. Most other classes can be considered on a case-by-case basis. Coverages offered are GL, excess liability, liquor liability, event cancellation and prize indemnification. Numerous carriers rated A or above are utilized.
Burns & Wilcox, Ltd.
30833 Northwestern Hwy., Ste. 220
Farmington Hills, MI 48334
Contact: Home office for local branch
Phone: (800) 521-1918
An MGA/E&S broker operating in all states except AK, HI, MA, ME, NJ, NY and WA, offering primary limits of $1 million/$2 million and excess of $10 million or more. All classes are considered. Other coverages offered are liquor liability, event cancellation and weather.
CGA (Charitable Golf Association, Inc.)
3515 Park Place West, Ste. 100
Mishawaka, IN 46545
Contact: Art Roberson, Jr.; Lauren Roberson; Allison Biek
Phone: (800) 242-7789
Fax: (219) 271-1747
E-mail: info@cgainc.com
Web site: cgainc.com
A broker operating in all 50 states and offering limits up to $1 million. Target markets include prize indemnification and promotional event coverage. Other coverages offered are weather, hole-in-one, event cancellation, all sporting event promotions, Internet games, and direct mail. A+++ rated AIG is the carrier.
Charity First
P.O. Box 193944
San Francisco, CA 94110
Contact: Mike Komar
Phone: (800) 352-2761
Web site: www.charityfirst.com
An underwriting manager operating in all states, offering limits up to $20 million. Target market is special events for nonprofit organizations only. Other coverages offered are package, D&O and workers comp. Carriers are Travelers, rated A++ and Gulf, rated A+.
Continental Bloodstock Agency, Ltd.
1818 Versailles Road
Lexington, KY 40504
Contact: Richard Grossman
Phone: (859) 233-1818
Fax: (859) 255-7506
E-mail: equine-insurance@msn.com
Web site: equineinsurance.com
An MGA operating nationwide and offering limits of $1 million. Target market is trail rides. Motorsports and amateur sports are not written. Animal mortality also is offered. Domestic carriers rated B+ 6 are utilized.
Francis L. Dean & Associates, Inc.
P.O. Box 4200
Wheaton, IL 60189
Contact: John Dean
Phone: (800) 745-2409
Fax: (630) 665-7294
An MGA operating in all states with limits of up to $10 million. Target market is sports-related events; related coverages offered are athletic participant liability for most sport classes and accident/medical for athletic participants and/or volunteers. The A+ carriers vary by state.
Entertainment Brokers International
10940 Wilshire Blvd., 17th Floor
Los Angeles, CA 90024
Contact: Bill Cody
Phone: (310) 824-0111
Fax: (310) 824-5733
E-mail: william.cody@EntBrokersIntl.com
An MGA/E&S broker and insurer operating worldwide. Limits of up to $50 million are available. Target market is all sporting events. No prize indemnification written. Related coverages offered are GL, auto, floater/property and workers comp. Carriers are XL Specialty Insurance Company, rated A+ XV; Legion Insurance (for workers comp); and Lloyd's.
First Western Insurance
100 One Corporate Place, 1501 42nd Street
West Des Moines, IA 50266
Contact: Dan Burgus, Kate Best, Monica Helmuth
Phone: (800) 475-1000
Fax: (515) 225-3872
E-mail: firstwestern@fwins.com
Web site: www.fwins.com
An MGA/surplus lines broker operating in IA and NE and offering limits of $1 million/$2 million. Most events are considered with excess limits offered. Carriers are Monticello, Evanston, Scottsdale and Western World, all rated A or above.
Gagliardi Insurance Services, Inc.
2380 S. Bascom Ave., Ste. 200
Campbell, CA 95008
Contact: D.C. Gagliardi, Nicolas Gagliardi, Connie Campbell
Phone: (800) 538-7061
Web site: insuranceforsports.com
An agency that operates in all 50 states and offers limits of $1 million and up.
Gateway Underwriters Agency
755 S. New Ballas Rd., Ste. 130
St. Louis, MO 63141
Contact: Barbara Smeltz, Mary Beth Fox
Phone: (800) 325-7652
Fax: (314) 567-4552
E-mail: Barb.Smeltz@gua-stl.com
An MGA operating in IA, IL, KS, MO and NE offering limits of $10 million. Target market is weather cancellation, sales promotions, prize indemnification and hole-in-one. No trip cancellation, travel accident, rock/pop concerts, or sports participants coverage (contact sports). A rated or above carriers are First Financial, National Fire & Marine, Nautilus, Travelers and Western World.
Good Weather Insurance Agency, Inc.
76 Lafayette St.
Salem, MA 01970
Contact: Laurie Tillman
Phone: (800) 324-7759
E-mail: ltillman@goodweather.net
Web site: goodweather.net
An MGA/program manager operating in the U.S. and offering limits of $1 million per day. All classes or risks are eligible, including weather insurance. Certain A- underwriters at Lloyd's are utilized, along with A+ rated admitted carriers.
Global Specialty Risk
3838 Oak Lawn Ave., Ste. 200
Dallas, TX 75219
Contact: Douglas McCrum
Phone: (800) 411-3756
E-mail: Doug@gsrisk.com
Web site: www.gsrisk.com
An E&S broker that operates in all states offering limits of $20 million. Target markets are corporate sponsors, sports teams, event planners and promoters. Related coverages are prize indemnity, event cancellation weather and non-appearance. Various carriers are utilized.
H.W. Gorst Co., Inc.
805 Fairmont Ave.
Glendale, CA 91203
Contact: Jennifer Heagerty Clark
Phone: (818) 507-0900
Fax: (818) 507-1133
E-mail: jclark@gorst.com
An E&S broker operating in CA only and offering limits of $300,000 to $1 million. Target markets are art & craft shows, bazaars, Christmas tree lots/pumpkin patches, fairs, festivals, fireworks stands, festivals, haunted houses, meetings, festivals, dances and parades. Related coverages are liquor liability, property, crime, inland marine, glass, GL, excess and umbrella. The carrier is Scottsdale.
W. H. Greene & Associates, Inc.
3095 Southwestern Blvd.
Orchard Park, NY 14127
Contact: William H. Greene, III
Phone: (716) 675-3095
Fax: (716) 675-6722
E-mail: Mail@WHGreene.com
An MGS/E&S broker operating in NY only and offering limits of $1 million/$2 million plus excess limits. All classes are written by A rated carriers.
Gulf Insurance Group
125 Broad Street, 8th Floor
New York, NY 10004
Contact:
west
Robert Gonzalez
Phone: (818) 550-9686
E-mail: rgonzalez@gulfins.com
central
John Cosby
Phone: (972) 650-3125
E-mail: jcosby@gulfins.com
east
Eric Oxboel
Phone: (212) 291-3100
E-mail: eoxboel@gulfins.com
An insurer operating in the U.S. only and offering limits of up to $5 million. Target markets are assemblies, bazaars, bingo games, conventions, exhibitions, fairs, meetings, pageants, short-term activities, social gatherings and trade shows. Also offers GL, liquor legal, inland marine, workers comp and umbrella. Gulf is an A+ rated carrier.
Harbour Entertainment & Sports Insurance
100 Corporate Pointe
Los Angeles, CA 90230
Contact: Joe Hall, Los Angeles
Phone: (310) 348-2300
Fax: (310) 348-2330
Melanie Pinto, San Antonio
Phone: (210) 698-6750
Fax: (210) 698-6756
Sandra Zumbado, New York
Phone: (212) 269-6850
Fax: (212) 269-6868
An MGA operating in all states offering limits of up to $25 million. Target markets include concerts, fairs, festivals, theatres, and sporting events. Property, workers compensation, prize indemnification, weather, event cancellation, and auto are also available. The A++ carrier is AIG.
HEATH Insurance Brokers, Inc.
3100 Monticello, Ste. 900
Dallas, TX 75205
Contact: Rosemarie Marshall, Robin Page
Phone: (800) 528-5544
Fax: (214) 528-9101
E-mail: rmarshall@hibi.com
rpage@hibi.com
Web site: www.hibi.com
An MGA/E&S broker operating throughout the U.S. and offering limits of $1 million/$2 million, with higher limits on a brokerage basis. Target markets are GL, prize indemnification and weather insurance. A rated carriers are General Star, Burlington, American Equity, Gulf, National Fire & Marine and Lloyd's.
High Performance Programs Group (HPP Group)
10 S. LaSalle St., Ste. 3000
Chicago, IL 60603
Contact: Ralph Blust
Phone: (888) 852-4969
Fax: (319) 621-6865
Web site: www.hppgroup.com
An MGU operating in all states and offering $1 million/$1 million/ $1 million. Offers monoline workers comp for amateur sports, fairs, festivals and special events. Carriers are rated A XIV.
High Ridge Agency
P.O. Box 8209
Stamford, CT 06905
Contact: Tom Massotti
Phone: (800) 626-0007
Fax: (203) 322-3941
Web site: highridgeagency@att.net
An MGA/E&S broker operating in CT, FL, NJ, NY and PA with limits of up to $5 million. Target markets are one-day events. Fidelity and surety along with boiler and machinery coverages are also offered. The various carriers used are rated A+.
Hole In One International
6195 Ridgeview Ct., Ste. A
Reno, NV 89509
Contact: Mark Gilmartin
Phone: (800) 827-2249
Fax: (775) 826-4653
E-mail: info@hioi.com
Web site: www.holeinoneinternational.com
A program administrator/ purchasing group operating in all states with limits up to $1 million. Target markets are hole-in-one, putting contests and any and all prize indemnification. Carrier is Redlands, rated A by A.M. Best.
Insurance Innovators Group
P.O. Drawer 969
Glenside, PA 19038
Contact: Bruce Coulter
Phone: (800) 523-6422
Fax: (215) 886-2482
E-mail: bruce@iiigroup.com
An MGA/E&S broker operating in CT, DE, MA, MD, NJ and PA, offering limits of up to $10 million. Target markets are amateur sporting events, concerts, lectures, trade shows, auctions, reunions, festivals and hole-in-one. GL and liquor liability also is offered. Various A+ rated carriers are utilized.
Jimcor Agencies
15 Ver Valen St.
Closter, NJ 07624
Contact: Coryn Mastowski
Phone: (800) 334-0474
Fax: (201) 784-7901
E-mail: cmastowski@jimcor.com
Web site: www.jimcor.com
An MGA/E&S broker offering limits of $5 million plus excess. All classes are considered; inland marine, non-appearance and event cancellation also are offered. Various carriers are utilized to place coverage.
K&K Insurance Group, Inc.
1712 Magnavox Way
Ft. Wayne, IN 46819
Contact: Tom Butler
Phone: (800) 637-4757
Fax: (219) 459-5624
E-mail: kk_eventsattractions@kandkinsurance.com
Web site: www.kandkinsurance.com
A managing general underwriter operating in all states and offering in-house liability limits of up to $16 million. Higher limits are also considered. Target markets are festivals, parades, meetings, conventions, exhibitions, celebrations, promotional activities, fairs, concerts, sporting events, other one-time or annual events/occasions. Other coverages offered are CGL, liquor liability, volunteer accident, participant legal liability, vendor/exhibitor coverage, amusement ride liability, fireworks liability, participant accident, property, auto, workers comp and excess liability. A rated carrier is TIG.
K&K Insurance Group Canada
141 Adelaide St., Ste. 1700
Toronto, ON M5H 3L5
Contact: Tom Butler
Phone: (800) 753-2632
Fax: (416) 943-0615
A managing general underwriter operating in Canada offering limits of up to $16 million. Target markets include special events, fairs, festivals, amateur and professional sports, motorsports, celebrations, and exhibitions.
H.R. Keller & Co., Inc.
1520 Sheridan Dr.
Buffalo, NY 14217
Contact: John Barton, Rob Martin
Phone: (800) 424-2202
Fax: (716) 874-4920
An MGA/wholesaler operating only in NY and offering limits of $2 million. All classes are considered. Legal liability and products for food sales are also covered. Various A+ rated carriers are used.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Lori Drake, Heather Duffield, Sandy Shue
Phone: (800) 725-7211
Fax: (417) 883-7103
Web site: www.mjkelly.com
An E&S broker operating in AR, IL, KS, MO and OK. Limits of $5 million or more are available. Various carriers also offer liquor liability.
L.J. Gosselin & Associates
224 Merton St., Ste. 202
Toronto, ON, Canada M4S 1A1
Contact: Theresa Paul, Louis Gosselin
Phone: (800) 661-3448
Fax: (416) 481-0691
E-mail: LJGA@attcanada.ca
A Canadian wholesaler offering limits of $50 million. No liability is offered. Related coverages offered are prize indemnity, non-appearance and event cancellation. Carriers are Chubb, Lloyd's and AIG.
London American General Agency
10085 Carroll Canyon Road, Ste. 100
San Diego, CA 92131
Contact: Tracy Ergel, Rochelle Cordova
Phone: (858) 547-9000
Fax: (858) 547-9199
E-mail: Londonamerican.com
An MGA/E&S broker operating in AZ and CA, offering limits of up to $2 million with excess also available. Target markets are fairs, seasonal events, seminars, business association events, weddings, etc. Property, inland marine and installation floaters are also available. A rated or above carriers are American Equity, Environmental Casualty, Evanston and Scottsdale.
Market Finders Insurance Corp.
P.O. Box 6549
Louisville, KY 40206
Contact: Karen Cornett, Charlene Curry, Susan Hudgins
Phone: (800) 626-5660
Fax: (502) 426-7970
E-mail: info@mfic.com
Web site: www.mfic.com
An E&S broker operating in IN, KY, TN and WV, offering limits of $1 million/$2 million. Most classes are considered; liquor liability and host liquor also are offered. Burlington, Essex, First Financial and Western World are the A rated or higher carriers.
G.A. Mavon & Company
10 W. Chicago Ave.
Hinsdale, IL 60521
Contact: Chuck Lynch, Ext. 128 Dirk Salisbury, Ext. 127 Ken Cuprisin, Ext. 134
Phone: (630) 655-2400
E-mail: info@mavon.com
An MGA/E&S broker operating in IL and IN. Limits are from $100,000 to $2 million through various carriers.
National Hole-In-One Association
11910 Greenville Ave., Ste. 400
Dallas, TX 75243
Contact: Customer Service Dept.
Phone: (800) 527-6944
Fax: (972) 808-9012
E-mail: hio@hio.com
Web site: HIO.com
A MGA/agency operating worldwide offering limits of up to $1 million. Target market is hole in one insurance, weather coverage is also written. The A rated carriers are Republic Underwriters and Republic Vanguard Insurance Companies.
North Island Facilities, Ltd./NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Candace Murray, Anthony Buonpane, Tom Yenner
Phone: (800) 892-8892
E-mail: marketing@nifgroup.com
Web site: nifgroup.com
An MGA/E&S broker operating in the eastern U.S. and offering limits of $1 million, plus umbrella. Most classes are considered. Various carriers are rated A+.
NorthCoast Excess & Surplus, Inc.
2244 East Enterprise Pkwy.
Twinsburg, OH 44087
Contact: Jeff Burke
Phone: (330) 405-9890
Fax: (330) 405-9893
E-mail: ncoastxs@msn.com
An MGA/E&S broker operating in OH only, with limits of up to $1 million. No rap or hip/hop concerts are considered. Can include liquor liability if needed. Various A+ carriers are utilized, including non-admitted.
R.V. Nuccio & Associates, Inc.
P.O. Box 307
Fawnskin, CA 92333
Contact: Jeffra Ashliman, Kerri McDonald
Phone: (800) 364-2433
Fax: (909) 866-4659
E-mail: rvnuccio.com
An MGA that operates in all states and offering liability from $500,000 to $10 million, unlimited on event cancellation. Target markets include weddings, celebrations, and bar mitzvahs. Rap/heavy metal/raves and organized racing events are not considered. Related coverages are cancellation, third-party property damage, and liability/hole-in-one. A+ rated Fireman's Fund is the carrier.
Prime Insurance Syndicate, Inc./I.E.B.S.
P.O. Box 439
Sandy, UT 84091
Contact: Rick J. Lindsey
Phone: (800) 257-5590
Web site: www.primeis.com
An insurer operating in all 50 states, plus Canada and offering all limits. Will consider all risks. Prime Insurance Syndicate, Inc., is rated B+. Lloyd's is also utilized.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Gail C. Pierce, Scott Sackers
Phone: (800) 752-8402
Fax: (317) 776-6891
Web site: www.roushins.com
An MGA operating in IL and IN, offering liability limits of up to $25 million (with excess). Target markets are concerts, golf tournaments, fishing contests, fireworks displays, special events, sports event sponsors, conventions and trade shows. Carriers are American Equity, Scottsdale, Century Surety, Markel and State National, all A rated.
Samaritan - Professional Underwriters
151 S. Warner Rd., Ste. 100
Wayne, PA 19087
Contact: Mark McCrary
Phone: (888) 855-4PUC (4782)
Web site: www.SamaritanInsurance.com
An MGA operating nationwide, limits vary by risk. Target market is social service organizations (both nonprofit and for-profit), weather only. Legion Insurance is the A rated admitted carrier.
SCA Promotions, Inc.
8300 Douglas Ave., Ste. 625
Dallas, TX 75225
Contact: Susan Hatfield
Phone: (888) 860-3700
Fax: (214) 860-3740
E-mail: info@scapromo.com
Web site: www.scapromotions
An agency that operates worldwide and offers limits of up to $1 billion with annuity. All prize productions are targeted as well as intranet promotions and over-redemption. AIG and Lloyd's are the carriers.
W.A. Schickedanz Agency
P.O. Box 445
Belleville, IL 62222
Contact: David Miller, Sue Yates
Phone: (800) 869-9976
Fax: (618) 233-0672
E-mail: wasagy@icss.net
An MGA operating in AR, IL and MO, offering GL of $1 million (excess available), property of $500,000 and liquor liability of $1 million (IL and MO only). Classes not written are heavy metal/punk rock concerts. Rain insurance is also offered. Carriers are Acceptance, Essex, First Financial, Northfield and Lloyd's.
Robert A. Schneider Agency
5620 Smetana Dr., Ste. 350
Minnetonka, MN 55343
Contact: Jody Stolp
Phone: (800) 862-6038
E-mail: JS@rasinc.com
Web site: www.rasinc.com
An MGA/E&S broker operating in IA, MN, ND, SD and WI with limits of up to $1 million. Related coverages offered are weather-related, liquor, property, inland marine and hole-in-one. A rated carriers are Essex, First Financial, Nautilus and Penn America.
S.H. Smith & Co.
41 N. Main St.
West Hartford, CT 06107
Contact: Jeff Parmenter
Phone: (800) 356-0168
E-mail: jeffp@shsmith.com
Web site: shsmith.com
An MGA/E&S broker operating throughout New England and in IN, MN and OH. Limits offered are $10 million. Liquor liability, CGL, hole-in-one prizes and weather coverage also offered. Nautilus, Northland and U.S.L.I. are the carriers.
Surebet Prize Indemnity
P. O. Box 46548
Tampa, FL 33647
Contact: Albert Elia
Phone: (800) 658-2931
Fax: (813) 978-8967
E-mail: saks@surebet.org
Web site: www.surebet.org
An MGA operating in all 50 states offering limits of up to $2.5 million for prize indemnification insurance. Lexington Insurance is the A++ rated carrier.
Surplus Insurance Brokers Agency, Inc.
P.O. Box 749
South Bend, IN 46624
Contact: Carol Dhoore, Martha Salwin, Sean Urbanski
Phone: (800) 342-5706
Fax: (800) 578-7758
E-mail: cdhoore@surplusins.com
An MGA operating in IN only and offering $3 million limits. Rain insurance also is offered. A+ rated carriers are Capitol Indemnity, Scottsdale and Northfield.
TSI Sports, Inc.
P.O. Box 1320
Flowery Branch, GA 30542
Contact: Paul Schwartz/ Jennifer Spindola
Phone: (800) HOLE-IN-1 (465-3462)
Fax: (770) 534-2233
Web site: www.tsisports.com
An agency that operates in all states offering $2 million limits. Target markets are hole-in-one, prize indemnification and fishing contests. St. Paul is the A rated carrier.
U.S. Risk Group, Inc., Specialty Programs Division
10210 N. Central Expy., Ste. 500
Dallas, TX 75231
Contact: Larry Williams
Phone: (800) 232-5830, Ext. 964
Fax: (214) 265-4958
E-mail: larryw@usrisk.com
An MGA managing All American Purchasing Group, Inc., a purchasing group operating in all states with FL, NJ and WV written on a non-admitted basis. Limits are $1/$2 million. Target markets are all types of amateur sports, recreational, leisure, entertainment, special events, and other types of annual or short-term activities. Northland Insurance is the A- rated carrier.
Unifax Insurance Systems, Inc.
23251 Mulholland Dr.
Woodland Hills, CA 91364
Contact: Sue Vier, Anne Ferris
Phone: (800) 669-9800
Fax: (818) 591-9858
An MGA that operates in CA only and offering liability limits of $1 million/$2 million. Also offers primary package business. American Equity, rated A+ IX, is the carrier.
United Brokers, Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Tricia Coffey
Phone: (800) 444-4824
Fax: (812) 949-4015
Web site: www.ubinc.com
An MGA operating in GA, IN, KY, MO, OH and MO, offering limits of up to $3 million. Target markets are art shows, auctions, bake sales, bazaars, charity balls, church dinners, craft shows, dance recitals, fashion shows, flea markets, fundraisers, music recitals and wedding receptions. Classes not written are air shows, races, circuses, firearms/firework exposures, rap/rock concerts, rodeos and tractor pulls. Liquor liability also is offered. A rated or above carriers are Evanston, Penn-America and USLI.
Western World Insurance Co.
400 Parson's Pond Dr.
Franklin Lakes, NJ 07417
Contact: Timothy Hochkeppel
Phone: (801) 355-2807
Fax: (201) 849-1010
Web site: www.westernworld.com
An insurer operating all states and offering limits of $1 million/ $2 million. Western World and Tudor Insurance Co. are both A+ VIII insurers.
WKF&C Agency, Inc.
One Huntington Quadrangle, Ste. 2018
Melville, NY 11747
Contact: Michele Stollsteimer, Tom Wilson
Phone: (631) 756-3000
Fax: (631) 756-2500
E-mail: mstollsteimer@wkfc.com
Web site: www.skfc.com
An MGA operating in all states and offering limits of up to $5 million liability. Target markets are weather insurance, event cancellation and prize indemnification. A+ or above carriers are Travelers Property Casualty and Indian Harbor. *
