SPECIALTY LINES MARKETS
A chance to be creative
By Larry G. France
"Once thought of as solely for outdoor events, weather insurance is now used by every type of business--manufacturers, retailers, construction and most other industries--to minimize the financial impact of weather on their operations."
----Tom Wilson, WKF&C Insurance Agency, Inc., Melville, New York
You probably are unaware that you were not a winner in a Long John Silver's "Mars" promotion. No entry was necessary to win, and the rules of the promotion were simple: If NASA discovered conclusive evidence that an ocean exists or had existed on Mars and made an official declaration of that event before February 29, 2004, customers of participating Long John Silver's throughout the United States would receive free Giant Shrimp meals on Monday, March 15, 2004, from 2:00 until 5:00 p.m. SCA Promotions would cover the cost of the free meals.
Well--on March 24, USA Today reported that evidence indicated that there could have been salt water on Mars in years past. Long John Silver's got the publicity and SCA was not out thousands of Giant Shrimp meals--but it was close.
This is just one of the many kinds of promotions that can bring attention to the client. Some are designed to increase traffic in stores or trade shows. Let your imagination run wild.
"If you are meeting with a promotion planner, you know that if objectives have been met, the next measure of success is determining if the promotion comes in on budget," says Duncan McCready of IC Group, Inc., Winnipeg, Canada.
McCready says that protecting the budget means protecting against too many winners or more prize claims than could have been expected. Choices that a promotion marketer can make are: 1) manage the financial responsibility within the marketer's organization, 2) bear the complete risk of higher-than-expected prize redemptions, or 3) transfer the financial liability to a third party so that if prize redemptions are beyond expectations, the budget is protected.
Third-party organizations typically can choose between two approaches to transferring liability: insurance policies or contracts with indemnification clauses. McCready says the key differences between those types of liability transfer solutions are significant.
Presiding Law: Insurance policies are regulated by long-established, consumer protective insurance law; contracts are governed by jurisdiction and normal tort laws, says McCready.
Stability/Security: Insurance policies are rated by independent financial rating agencies (e.g., Standard & Poor's, Moody's), and constant and thorough reporting is required, as is constant updating to ensure buyer protection. No assurances are offered except the balance sheet of the company under contract, unless specified reserves are pledged and thoroughly covered in a legal contract. Company stability can't be determined without access to balance sheets on an audited, near real-time basis.
Recourse: Presiding law offers extensive precedent in the field of insurance law. State and territory regulators provide buyer support, subject to jurisdictional law and judge or jury trial outcome.
Intermediary: Licensed intermediaries, or brokers must facilitate insurance. These brokers have security requirements and are subject to insurance companies through reviews. In the event of default, the intermediary offers another line of recovery.
"If a marketer chooses to transfer financial liability to a third party, they should always be cautious of the quality of coverage they are receiving. When comparing insurance to a fixed fee contract, the marketer must understand what they are getting with each and ensure they are comparing apples to apples," cautions McCready.
"Once thought of as solely for outdoor events, weather insurance is now used by every type of business--manufacturers, retailers, construction and most other industries--to minimize the financial impact of weather on their operations," observes Tom Wilson of WKF&C Insurance Agency, Inc., based in Melville, New York. "The entertainment industry is still the most frequent purchaser of weather insurance, since fair, festival and concert organizers/promoters have a limited opportunity for their events and need protection against the most uncontrollable aspect, the weather. In addition to this, any business or business owner can use this type of insurance as a promotional vehicle by offering any consumer who purchases their product within a certain promotional period a full refund in the event that a certain amount of snow or rain, for example, falls on a predesignated insured date. Given the infinite number of applications for the coverage that weather insurance can provide to contain costs, stabilize income and increase sales, the sky is the limit," says Wilson.
Whether an event is held at a temporary or permanent site, today's environment requires an emphasis on the possibility of terrorism. For example, how can you assist in the preparation for an efficient evacuation of a facility in the event of an attack? One possibility is the posting of evacuation maps.
Gerry Geare of Santa Barbara, California-based Safety Map LLC says, "Our maps add an increased level of safety to our clients and can reduce the chances of injury in an emergency situation."
Geare also expresses the belief that the industry could benefit by encouraging clients to improve and update their evacuation plans by making mapping a priority. Safety Map also archives its clients' evacuation files so that if changes are made to a venue, the existing maps can be updated to the current route of departure. (Note: OSHA requires that an Emergency Action Plan must contain evacuation maps.) Safety Map also produces "Glow Maps," which are coated with photo illuminant paint that will stay visible for up to six hours in the event of a power failure.
The following have responded to our survey and indicated that they can provide coverage or services to the special events, promotions, weather, or prize indemnity segment of business.
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 primary liquor liability limits of $1 million/$1 million, GL without liquor of $1 million/$1 million, combination GL and liquor of $1 million/$1 million (excess liability available). Target markets are beer gardens/tents, concerts/musical, performances, festivals, parties, motor vehicle events, car shows, conventions/trade shows/exhibits, fund-raisers, parades, picnics, and weddings/receptions. Will not consider events with moonwalks, trampolines, mechanical rides or devices; events featuring firearms or fireworks, petting zoos or animal rides; overnight camping; and on-water events. Can also offer excess commercial liability, D&O and inland marine. In-house A rated or better brokerage facilities are used to place coverage.
All Risk/CESI, LLC
277 Broadway, Ste. 1001
New York, NY 10007
Contact: Maya Cruz
Phone: (877) 385-0404
E-mail: mcruz@ca-group.com
Web site: www.ca-group.com
An E&S broker that operates in NY state only with limits of up to $5 million. Can offer liquor liability for special events. Tudor, USLI, Burlington, and Nautilus are the carriers.
Black/White & Associates
931 American Pacific Dr., Ste. 104
Henderson, NV 89014
Contact: Betty Cornish, Marge Bersch
Phone: (702) 856-0900
E-mail: bettyc@bwins.com margeb@bwins.com
An MGA that operates in AZ, CA, CO, ID, NM, NV, OR and UT with limits of up to $1 million/$2 million. Target markets are haunted houses, fairs, concerts, Christmas tree lots, and pumpkin patches. Will not consider air shows, heavy metal or rap concerts, hot air balloons, etc. Can also offer liquor legal and property. Mt. Vernon Fire, Century Surety, and United National are the carriers.
Bohrer, Croxdale & McAdoo, Inc.
P.O. Box 2760
Springfield, MO 65801
Contact: Grace Cumley, Donna Allen
Missouri office
Phone: (800) 779-2550
Fax: (888) 869-2550
Arkansas office
Phone: (800) 594-5101
Fax: (800) 726-7707
An MGA that operates in AR, IL, KS, MO and TN with limits of $1 million. Target markets are civic organizations or not-for-profits. Usually will not consider amusement rides. Can also offer liquor liability. All carriers are rated A.
CGA (Coverage Guarantee Association, Inc.)
3515 Park Place W., Ste. 100
Mishawaka, IN 46545
Contact: Stacy Roush, Jen Brison
Phone: (800) 242-7789
Fax: (574) 271-1747
E-mail: info@cgainc.comsupport@cgainc.com
Web site: www.cgainc.com
An insurer that operates throughout the United States and Canada with maximum limits of $10 million. Target market is prize indemnification. Can coverage all sports, under-the-cap-games, scratch cards, dice rolls, Magic Number Safe, Finders Key-Pers, and Pick-a-Pocket. N.A.S. is the A rated or better carrier.
Continental/Marmorstein & Malone
P.O. Box 586
305 Rte. 17
Paramus, NJ 07652
Contact: William H. Malone, Jr.
Phone: (800) 932-0849
Fax: (201) 261-8922
E-mail: bmalone@ca-group.com
Web site: www.ca-group.com
An MGA/E&S broker that operates in NJ and NY state only, with primary limits of $1 million/$2 million. (Higher primary limits may be available depending on the risk.) Excess limits are available up to $10 million. Can provide coverage for all types of special events, with liquor liability available. Carriers are Essex, USLI/Mt. Vernon, Nautilus, Western World, and Chubb Custom.
Creative Underwriters Corp.
140 E. Main St.
Carmel, IN 46032
Contact: Dave Setters, Brandi McClure
Fax: (317) 848-7869
E-mail: dave@creativeunderwriters.com
Web site: www.creativeunderwriters.com
An MGA that operates in IL, IN and OH with limits of $1 million/$2 million. Target markets are exhibitors, festivals, and political events. The A rated or better carriers are Scottsdale, Penn America, and Western Heritage.
Delaware Valley Underwriting Agency, Inc.
420 S. York Rd.
Hatboro, PA 19040
Phone: (800) 388-0215
E-mail: info@dvua.com
Web site: www.dvua.com
Hatboro, PA
420 S. York Rd.
Hatboro, PA 19040
Contact: Jan Varalli-Sacks
Fax: (215) 672-7983
E-mail: varalli@dvua.com
Pittsburgh, PA
One Forestwood Dr., Ste. 203
Pittsburgh, PA 15237
Contact: Georganne Yandura
Fax: (412) 366-1760
E-mail: yandura@dvua.com
Florham Park, NJ
25 Vreeland Rd., Bldg. B
Florham Park, NJ 07932
Contact: Bogi Schaeflein
Fax: (973) 377-2430
E-mail: schaeflein@dvua.com
An E&S wholesaler operating in DE, KY, MD, NC, NJ, NY, OH, PA, SC, and VA with limits of up to $1 million. Target markets are special events and hole-in-one. Will not write pyrotechnics, amusement parks/devices, motorized events, concerts, air shows, demonstra-tions, or political rallies. Can offer GL, property, liquor liability for special events, coverage for restaurant exposures, D&O, environmental (pollution cleanup and legal liability). All carriers are rated A or above.
Entertainment Brokers International
10940 Wilshire Blvd., 17th fl.
Los Angeles, CA 90024
Contact: William M. Cody
Phone: (310) 824-0111
Fax: (310) 824-5733
E-mail: william.cody@entbrokersintl.com
Web site: www.entbrokersintl.com
A managing agent that operates in all states with limits of $35 million. Target markets are concerts, special events, racing and sports. Will not write prize indemnity insurance. Can also offer auto liability, GL, property, inland marine and contingency liability. Carriers are Clarendon America and Clarendon Nation, North American Specialty, and North American Capacity.
Evolutions Insurance Brokers International (EIB International)
8722 S. Harrison St.
Sandy, UT 84070
Contact: F. Darrell Lindsey
Phone: (877) 678-7342
Fax: (801) 304-3800
E-mail: fdl@eibdirect.com
Web site: www.eibdirect.com
An E&S broker that operates nationwide with all limits available. Will consider all classes. Prime Insurance Syndicate is rated B-, and Lloyd's is rated in the A range.
Gulf Insurance Group
Eastern United States
Contact: Eric Oxboel
Phone: (917) 320-4922
E-mail: eoxboel@gulfins.com
Central United States
Contact: John Cosby
Phone: (972) 650-3125
E-mail: jcosby@gulfins.com
Southern United States
Contact: Eric Henry
Phone: (972) 650-3092
E-mail: ehenry@gulfins.com
Western United States
Contact: Robert Gonzalez
Phone: (818) 409-4301
E-mail: rgonzalez@gulfins.com
An insurer that operates in the United States only with comprehensive GL limits of $1 million occurrence and up to $2 million aggregate. Target markets are short-term special events (one to seven days), including street festivals, parades, trade shows and banquets. Will not consider amusement rides and devices, motorized sporting events, and aircraft/air shows. Can consider liquor liability with the comprehensive GL.
Harry W. Gorst Co., Inc., and Compass Insurance Group of Agencies
9310 Topanga Canyon Blvd.
Chatsworth, CA 91311
Contact: Fran Locke, Randy Scott, Nancy Braun
An MGA that operates in CA only with limits of $3 million/$3 million. Target market is special events. Will not consider promotions, hole-in-one, weather insurance, or prize indemnification. Scottsdale, Western Heritage, and Colony are the A rated or better carriers.
Hermitage Insurance Co.
1311 Mamaroneck Ave., Ste. 135
White Plains, NY 10605
Contact: Maria Del Gado
Fax: (914) 683-8245
E-mail: mdelgado@hermitageins.com
An insurer that operates in AL, AR, CT, DC, FL, GA, IA, IL, IN, KS, KY, LA, MA, MN, MO, MS, NC, ND, NE, NJ, NY, OH, OK, PA, RI, SC, TN, TX, VA, WV and WI with limits of $1 million/$2 million. Target market is special events. Will not write promotions, hole-in-one, prize indemnification, or weather insurance. Hermitage is rated B.
Hole in One International/Odds On Promotions
6195 Ridgeview Ct., Ste. A
Reno, NV 89509
Contact: Mark Gilmartin
Phone: (888) 827-2249
Fax: (775) 826-4653
E-mail: info@hioi.com (Hole in One International) info@oddsonpromotion.com (Odds On Promotions)
Web site: www.oddsonpromotions
Hole in One International and Odds On Promotions are purchasing groups that operate in all states with limits of $1 million. Hole in One International's target markets are hole-in-one, million-dollar shoot-outs, putting and weather insurance. Odds On Promotions' target markets are golf, sports, gaming, retail, media, automotive and trade shows for prize indemnification contests and promotions insurance. Insurance Corporation 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 that operates in CA, CO, FL, HI, KS, LA, MO, MT, NC, NE, SC, TX and VA with limits of $500,000 and up. Target markets are special events (parades, festivals, art fairs, concerts) and hole-in-one contests. Various A rated carriers are used to place coverage.
IC Group, Inc.
383 Dovercourt Dr.
Winnipeg, MB, CN R3Y 1G4
Contact: Scott LaCroix, Duncan McCready, Megan Pearson
Phone: (800) 575-5590
Web site: www.icgroupinc.com
A Lloyd's coverholder that operates wordwide with limits of 1,750,000 GBP. Target markets are prize indemnification, event cancellation, and online promotionals. Will not write weather insurance. Lloyd's of London is the carrier.
Insurance Innovators Group
130 S. Easton Rd.
Glenside, PA 19038
Contact: Etty Herzig, Janet Barton, Philippa Pay
Phone: (800) 523-6422
Fax: (215) 886-2482
E-mail: etty@iiigroup.com janet@iiigroup.com philippa@iiigroup.com
Web site: www.iiigroup.com
An MGA, E&S broker that operates in CT, DE, MA, MD, NJ and PA with primary and excess limits available. Target markets 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 rated A or above.
International Excess Agency, Inc.
26451 Curtiss Wright Pky.
Cleveland, OH 44143
Contact: Diane Madigan
Phone: (800) 937-3497
Fax: (888) 291-1382
E-mail: info@internationalexcess.com diane@internationalexcess.com
An E&S broker that operates in various states depending on the insurance company (nationwide if the carrier is admitted), OH and surrounding states for most nonadmitted carriers (no PA), and in the following states for some nonadmitted carriers: AL, AR, CA, CO, CT, DC, DE, GA, IL, IN, KY, LA, MD, MI, MN, MO, MS, NC, NH, NJ, NM, OK, OR, RI, SC, SD, TN, TX, VA, WA, and WV (One carrier, ASU International, is worldwide). Target markets are parades, fund-raisers, parties, concerts, community festivals, dances, runs, demolition derby, fairs, etc. Will not consider rock and rap concerts, or fireworks where insured is involved in setting them off. Can offer spectator liability, liquor liability, participants liability, event cancellation, and nonperformance. Carriers are USLI/Mt. Vernon, Century Surety, Colorado Western, Penn America, Chubb Custom, Scottsdale, ASU International, Travelers Mutual, Hole-in-One International, SCA Promotions, and Travelers Indemnity of IL.
J.P. Everhart & Company, Inc.
1840 N. Greenville Ave., Ste. 178
Richardson, TX 75081
Contact: Customer Service Department
Phone: (800) 527-6944
Fax: (972) 808-9012
E-mail: hio@hio.com
Web site: www.hio.com
An MGA/agency that operates in all states with limits of up to $1 million. Carriers are Lloyd's, Republic Underwriters, and Republic Vanguard, all A rated.
Johannes/Stoermer Co.
P.O. Box 41246
Dayton, OH 45441
Contact: Jackie Beako
Phone: (800) 333-7394
Fax: (937) 433-5936
E-mail: jackie@stoermerco.com
Web site: www.stoermerco.com
A specialty insurance agent that operates in OH only with limits of up to $1 million. Will not write weather insurance. All carriers are A rated.
K&K Insurance Group, Inc.
1712 Magnavox Way
Fort Wayne, IN 46804
Contact: Dale Johnson, Dave Mello
Phone: (866) 554-4636
E-mail: kk_general@kandkinsurance.com
dale_johnson@kandkinsurance.com
david_mello@kandkinsurance.com
Web site: www.kandkinsurance.com
For Canadian risks:
Phone: (800) 753-2632
Fax: (905) 602-9141
A managing general underwriter whose program is available in all states with in-house authority (capacity may vary by class of business). Target markets are most classes of special/short-term events, including but not limited to: celebrations, conventions, meetings, promotional activities, concerts, exhibitions, festivals, fairs, tradeshows, and other one-time occasions. 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. All carriers are rated A or above.
Knorpp Bloodstock Insurance Agency, LC
P.O. Drawer A
Clarendon, TX 79226
Contact: Walt Knorpp
Phone: (800) 858-4331
E-mail: wknorpp@knorppinsurance.com
An agency that operates in all states with limits of up to $5 million. Target markets are racetracks and corporate tournaments. Carriers are Underwriters at Lloyd's, AIG, and Hannover.
KSI Consulting, LLC
P.O. Box 921714
Norcross, GA 30010
Contact: Steve Kapusta
Phone: (770) 310-1181
Fax: (770) 242-6252
E-mail: steve@ksicons.com
Web site: www.ksicons.com
A consultant/wholesaler that operates in all states; limits depend upon risk but limits of $1 million plus are not uncommon. Target markets are special events ranging from fairs, festivals and concerts to conventions, trade shows and corporate outings; companies that market or advertise their products and/or services; sponsors of sports teams, leagues and events; professional sports teams, leagues and events; sponsors, promoters and track owners in the motorsports industry; and companies involved with sports or entertainment-oriented sponsorships, endorsements and/or events. Can offer event cancellation, incentive bonus, or non-appearance. Carriers are various London syndicates and several A rated domestic carriers (varies by product line).
M.J. Hall & Company, Inc.
709 N. Center St.
Stockton, CA 95201
Contact: Norm Amick
Phone: (209) 870-2901
Fax: (209) 465-3843
E-mail: norm@mjhallandcompany.com
Web site: www.mjhallandcompany.com
An MGA that operates in AK, NV and CA with limits of $1 million to $5 million. Target markets are associations, nonprofit organizations, charities, and corporations. Can also offer liquor liability. Evanston, Century Surety, and Scottsdale are the A rated or better carriers.
M.J. Kelly Co., Inc.
4415 E. Sunshine
Springfield, MO 65809
Contact: Heather Duffield, Shawna Cooke, John Jennings
Phone: (800) 725-7211
Fax: (417) 883-7103
Web site: www.mjkelly.com
An E&S broker that operates in AR, FL, IA, IL, KS, MO, MS, OK and TN with various limits. Will not consider participant coverage. Can offer liquor liability. Carriers are USLI, Western World, Penn-America, Interstate, Essex, and Burlington.
McCrum Companies, Inc.
7159 Lavendale
Dallas, TX 75230
Contact: Douglas McCrum
Fax: (214) 696-1800
E-mail: doug@gsrisk.com
Web site: www.gsrisk.com
An agency/E&S broker operating in all states with limits of $10 million.
Midlands Management Corp.
P.O. Box 22778
Oklahoma City, OK 73123
Contact: Richard A. Gerrond, Sonya Purvis, Roger Park
Phone: (800) 800-4007
Fax: (405) 840-5432
E-mail: ragerrond@midman.com sepurvis@midman.com rpark@midman.com
Web site: www.midlandsmgt.com
An MGA/E&S broker that operates in most states (call to confirm) with limits of $2 million/$2 million. Target markets are all special events from auto shows to zoos. Will not provide participant coverage; racing activities are prohibited; animal involvement is usually excluded; heavy metal/rap concerts and air shows are not considered. Can offer liquor liability, annual policies with events scheduled, limited prize indemnification/hole-in-one only. All carriers are A rated.
Midwestern General Agency, Inc.
255 NW Blue Pky.
Lee's Summit, MO 64063
Contact: Linda Mayo, Bianca Betts
Phone: (816) 246-1200
Fax: (816) 246-1290
Web site: www.mgakcmo.com
An MGA/E&S broker operating in IL, KS, MO and NE with limits of $5 million. Can offer inland marine. Scottsdale, Essex, Nautilus, and Western World are the A rated carriers.
National Hole-In-One Association
1840 N. Greenville Ave., Ste. 178
Richardson, TX 75081
Contact: Customer Service Department
Phone: (800) 527-6944
Fax: (972) 808-9012
E-mail: hio@hio.com
Web site: www.hio.com
An MGA/agency that operates nationwide with limits of up to $1 million. Carriers are Lloyd's, and A rated Republic Underwriters and Republic Vanguard.
National Media
1840 N. Greenville Ave., Ste. 178
Richardson, TX 75081
Phone: (800) 527-6944
Fax: (972) 808-9012
E-mail: hio@hio.com
Web site: www.hio.com
An MGA/agency that operates in all states with limits of up to $1 million. Lloyd's, and A rated Republic Underwriters, and Republic Vanguard are the carriers.
NIF Group/NIF Pro
30 Park Ave.
Manhasset, NY 11030
Contact: Nancy Williams, or refer to Web site
Phone: (800) 892-8892
Fax: (576) 365-7392
E-mail: marketing@nifgroup.com
Web site: www.nifgroup.com
An MGA/E&S broker that operates in all states on an admitted basis and in CT, FL, GA, MI, MS, NH, NJ, PA, RI, TX and VA on a nonadmitted basis with limits of $1 million. Target market is special events. Can offer umbrella and excess liability. All carriers are A rated.
NorthCoast Excess & Surplus, Inc.
2244 East Enterprise Pky.
Twinsburg, OH 44087
Contact: Jeff Burke, Michele Burke
E-mail: jburke@ncoastxs.com mburke@ncoastxs.com
An E&S broker operating in OH only with limits of up to $1 million. Both admitted and nonadmitted A rated carriers are used to place coverage.
Prime Insurance Syndicate, Inc./I.E.B.S.
P.O. Box 4439
Sandy, UT 84091
Contact: Rick J. Lindsey
Phone: (800) 243-8181
Fax: (801) 304-3702
E-mail: rjl@primeis.com
Web site: www.primeis.com
An insurer (Prime)/MGA (IEBS) that operates in all states with all limits. Will consider all classes. Prime is rated B-, and Lloyd's is rated in the A range.
R.E. Chaix & Associates
1501 Westcliff Dr., Ste. 290
Newport Beach, CA 92660
Contact: Timothy Chaix, Charlie Alegna
Web site: www.rechaixinsurance.com
An MGA that operates in CA only with limits of $100,000 to $1 million. Carriers are Essex, Colony, and Western Heritage, all A rated.
RISC Inc.
2001 Bryan St., Ste. 2900
Dallas, TX 75201
Contact: David Howard, Donna Ruthenborg
Phone: (800) 725-7472
Fax: (214) 954-0909
Web site: www.gorisc.com
An MGA/surplus lines broker that operates in AR, LA, OK and TX with GC limits of $1 million/$2 million and excess up to $5 million. Essex, Century Surety, and Burlington are the A rated or better carriers.
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 that operates in IA, MN, ND, SD and WI with limits of $1 million. Will consider all classes; can also offer event cancellation and promotions/weather related risks. AIG and Travelers are the carriers.
Roush Insurance Services, Inc.
P.O. Box 1060
Noblesville, IN 46061
Contact: Tony Armor, Scott Sackers
Phone: (800) 752-8402
Fax: (317) 776-6891
E-mail: tony.armor@roushins.com scott.sackers@roushins.com
Web site: www.roushins.com
An MGA that operates in IL, IN and OH with customary limits of $50,000 (higher limits available). Target markets are concerts, golf tournaments, fishing contests, fireworks displays, special events, sport event sponsors, conventions and trade shows. Can offer the following liability coverages: premises/operation, products/completed operations, personal advertising injury, fire damage, medical payments, $1 million/$2 million; CGL, GL offered up to $25 million (with excess). Scottsdale, Century, Essex, and Evanston are rated A or above; and Atlantic Casualty is rated B+.
Russell Bond & Co., Inc.
295 Main St., Ste. 866
Buffalo, NY 14203
Contact: Jeff Latke, Chris Moyer, Mike Kraus
Phone: (800) 333-7226
Fax: (716) 856-0403
E-mail info@russellbond.com jlatke@russellbond.com cmoyer@russellbond.com mkraus@russellbond.com
Web site: www.russellbond.com
An MGA/E&S broker that offers this product in NY state only with limits that start at $100,000 up to $2 million/$3 million (higher possible, depending on event). Target markets are social gatherings, exhibitions, dinners/dances, weddings, craft shows, trade shows, festivals/fairs, reunions, fishing derbies, concerts, and firework shows. Can offer GL, excess liability, liquor liability, event cancellation, prize indemnification, and weather insurance. All carriers are rated A or above.
Safety Map LLC
P.O. Box 60260
Santa Barbara, CA 93160
Contact: Gerry Geare
Phone: (877) 449-5188
E-mail: safetymap@earthlink.net
Web site: www.safetymap.com
An emergency evacuation graphics producer operating nationwide. Target markets are hotels, sports facilities, office buildings, industrial and schools.
SCA Promotions, Inc./SCA Insurance Specialists, Inc.
8300 Douglas Ave., Ste. 625
Dallas, TX 75225
Contact: Sheila Murphy
Phone: (888) 860-3700
Fax: (214) 860-3723
E-mail: info@scapromotions.com
Web site: www.scapromotions.com
Blast Promotions, Inc. (a joint venture of SCA and GMF2)
6325 Tenth Street S.E., 2nd fl.
Calgary, Alberta T2H 2Z9 Canada
Phone: (866) 340-3900
Web site: www.blastpromo.com
PIMS-SCA (a subsidiary of SCA)
Quadrant House
80-82 Regent St.
London W1B 5RP
United Kingdom
Phone: 44-207-434-3046
Web site: www.pims-sca.com
SPS (a joint venture of SCA and ISPR)
Hoechlstrasse 2
Munich, Germany D-81675
Phone: 49-89-943046-0
Web site: www.cleverwinning.com
An agency that operates worldwide with limits of up to $1 million annuity. Target markets are promotions, contests, and games worldwide, including but not limited to: hole-in-one contests, consumer product promotions, performance bonuses, sports contests, Internet programs, traffic builders, and over-redemption coverage for coupons and rebates. Can offer bonds (games of chance). North American Specialty is the A rated or better carrier.
Southern Insurance Underwriters, Inc.
P.O. Box 105609
Atlanta, GA 30348
Contact: Charles Roberts, Elizabeth Anderson, Linda Kosakowski
Phone: (800) 568-1700
Web site: www.siuins.com
An MGA/E&S broker that operates in AL, FL, GA and SC with various limits. Will not consider half-court basketball; can offer property and inland marine. The A rated carriers are Scottsdale, Essex, Colony, National Fire and Marine, Western World, Penn America, and Lloyd's.
Southwest Special Risk Insurance
2800 South Hulen St., Ste. 200
Ft. Worth, TX 76109
Contact: Jill Faulder, Tammy Westbrook
Phone: (800) 375-0552
Fax: (817) 924-7884
E-mail: jfaulder@fdean.com
An MGA that operates in all states with per-occurrence limits of $5 million. Target markets are sports and special events. Will not write hole-in-one, weather or prize indemnification. Can offer athletic insurance. All carriers are rated A or above.
Superior Access Insurance Services
P.O. Box 57092
Irvine, CA 92619
Contact: Kerlos Baker, Ron Linco
Web site: www.superioraccess.com
A broker that operates in AZ, CA, NV and TX with GL limits that vary. Target markets are contest coverage, special events coverage, including hole-in-one up to $1 million. Will not consider weather insurance. National Indemnity and Century are the A rated or better carriers.
SUREBET Prize Indemnity Corp.
P.O. Box 46548
Tampa, FL 33647
Contact: Albert Elia
Phone: (800) 658-2931
E-mail: sales@surebet.org
Web site: www.surebet.org
An MGA that operates in all 50 states with limits of $1 million. Will consider all classes. All carriers are rated A or better.
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
Web site: www.surplusins.com
An MGA that operates in IL and IN only with limits of $1 million. Will consider all classes. Can offer special events and sports accident insurance. Capitol Indemnity, Scottsdale, and Northfield are the A rated or better carriers.
Symons International Group (Florida) Inc.
2300 Glades Rd., Ste. 135E
Boca Raton, FL 33431
Contact: Barbara Berenbaum
Phone: (800) 275-4348
Fax: (561) 392-9719
An MGA/ wholesale broker operating in FL only with limits of $1 million/$2 million. Target market is special events. Will not consider hole-in-one or prize indemnification. Burlington is the carrier.
TSI Sports, Inc.
P.O. Box 1320
Flowery Branch, GA 30542
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 50 states with limits of $2 million. Will consider all classes. Can offer event cancellation, special event liability, conditional weather, and non-owned automobile liability. The St. Paul is the A rated or better carrier.
United Brokers Inc.
P.O. Box 1243
New Albany, IN 47151
Contact: Crystal Burns, Janice Taylor, Ron Gapp
Web site: www.ubinc.com
An MGA that operates in all states with limits of $1 million/$2 million. Will consider any class but will not write fireworks. Can offer liquor liability and GL. USLI, Penn America, Markel, and Colony are the A rated or better carriers.
Western World Insurance Co.
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 limits of $1 million/$2 million GL. Target market is smaller/lighter risks. Will not write prize indemnification or weather insurance. Can offer GL and property. Western World and Tudor are both rated A or above.
WKF&C Agency, Inc.
One Huntington Quadrangle, Ste. 2C18
Melville, NY 11747
Contact: Thomas Wilson, Steve Roeder (weather)
Phone: (800) FAIRSKY
Fax: (631) 756-2500
E-mail: sroeder@wkfc.com
Web site: www.wkfc.com www.goodweather.net
An MGA/MGU that operates in various states and with various limits (go to Web site for specific information). Target markets are weather, inland marine, hole-in-one and event cancellation. Carriers are A rated or better. *
