Event Cancellation

Event cancellation insurance protects revenue or expenses from an event against cancellation, postponement, curtailment, relocation or abandonment of the event for reasons beyond the control of the event organizer. Some of these reasons might include:

• Severe adverse weather (hurricanes, tornados, severe winter storms, etc.)
• Venue unavailability (fires, floods, power outages, etc.)
• Non-appearance of a key speaker
• Threats or acts of terrorism
• Communicable disease outbreaks
• And much more…

We will place your coverage with excellent carriers, providing you with a very broad coverage form at competitive rates. You can apply online using our TotalEvent™Insurance Online system, or download an application at: http://www.tmhcc.com/Portals/0/subsites/HCCS/downloads/EventCancellationApplication.pdf or http://www.tmhcc.com/Portals/0/subsites/HCCS/downloads/EventCancelConferenceTradeshowApplication.pdf.

Contact

URL: http://https://www.tmhcc.com/en-us/products/event-cancellation

Event Weather

Weather Insurance protects against adverse weather conditions that reduces attendance and revenue. It is designed to offset not only the revenue lost due to reduced attendance, but other revenue sources such as concessions, food and parking. It can cover just about any measurable perils such as:

• Rain (available for automatic quoting online at www.totaleventinsurance.com/broker)
• Snow
• Wind
• Temperature
• Lightning
• Adverse Weather
• Hurricane

We can also provide a couple of other types of weather insurance designed to protect a budget for certain businesses:

Cost Containment Weather Insurance is designed to contain costs associated with abnormal weather conditions. An example of this would be with municipalities, private schools/hospitals, property managers or others responsible for all costs associated with removing snowfall and treating icy roadways. In an abnormally snowy winter, costs will escalate, blowing through a budget mid-season. Our seasonal or annual cover responds to pay for each and every storm or inch of snow, excess of an agreed upon threshold, keeping the budget intact.

Income Stabilization Weather Insurance is a business interruption tool in a simplified format specific to a reduction in sales/revenue tied solely to weather. Examples would be a restaurant where most of their sales are done on the weekend, and a storm dropping 6 inches of snow blows through on a Friday afternoon wiping out 50% or more of those sales. A pay-for-play golf course experiences a summer full of weekend wash-outs dramatically impacting their bottom line. With both examples, our seasonal or annual weather cover responds to the business interruption, paying them an agreed upon limit per day to offset the shortfall.

Online applications available at: http://www.hcc.com/About/OperatingCompanies/UnderwritingAgencies/HCCSpecialty/Products/Events/Weather.aspx.

URL: http://https://www.tmhcc.com/en-us/products/event-weather

Prize Indemnity Insurance

An Insured Promotion enables the promoter or sponsor to accurately budget for the cost of the prize and protects the company's balance sheet from any unnecessary liability. It allows the event organizer a way to offer a risk-free large prize for a fraction of the prize value. A few examples of the types of promotions we can insure include:

• Collect & Win
• Match & Win
• Weather Contingent Promotions
• Sweepstakes with a “kicker”
• Skill Contests such as hole-in-one, basketball half-court shots, football toss, etc. (available for automatic quoting online at www.totaleventinsurance.com)
• And much more…

Download an application at https://www.tmhcc.com/-/media/TMHCC/Specialty-Group/Docs/Promotions/Prize-Indemnity-Application.ashx

Contact

URL: http://https://www.tmhcc.com/en-us/products/prize-indemnity

Promotional/Prize Weather

Promotional/Prize Weather Insurance is designed to stimulate sales for retailers and manufacturers of many products. If a certain weather event occurs on a predetermined day, consumers receive a full or partial refund on all purchases made during the promotion period. Parameters of the promotion with regard to percentage refund, sales period, who qualifies, etc. are to be determined by the Insured Party and Specialty Group. Weather-contingent promotions have proven to be enormously successful.

Weather perils are:

• Rain
• Snowfall
• Temperature

Typical buyers of Prize Weather are:

• Jewelers
• Auto dealers
• Furniture stores
• Etc.

Online applications available at: http://www.tmhcc.com/Portals/0/subsites/HCCS/downloads/PrizeWeatherApplication.pdf.

Contact

URL: http://https://www.tmhcc.com/en-us/categories/travel-and-event/promotions

TotalEvent™

Specialty Group makes business simpler and more efficient for brokers by investing in technology and launching new and enhanced specialty insurance products. The TotalEvent^® platform provides you with a fast and easy-to-use quote and bind system that also acts as an electronic database to assist in managing your specialty business.

Products Offered Online

Special event liability insurance

• Short-term coverage for event organizers and/or exhibitors as well as annual coverage for event / meeting planners or exhibitors
• Standard limits of $1 million per occurrence / $2 million aggregate
• Excess limits of up to $10 million
• Optional coverages include liquor liability, non-owned hired auto, inland marine, spectator and participant accident / medical and waivers of subrogation
• Host liquor and blanket additional insured coverage included with each policy
• Minimum premium: $105

Tradeshow / convention cancellation insurance

• Coverage for tradeshows, conventions, exhibitions, conferences, meetings, consumer shows and seminars
• Optional terrorism coverage
• Automatically includes communicable disease coverage
• Minimum premium: $150

Weather insurance

• Event weather insurance for incremental rain accumulation or dry hours for outdoor events, including fairs, festivals, concerts, sporting events and more
• Golf tournament cancellation insurance covers up to $25,000 per day for adverse weather conditions that cause cancellation within the 12 hours leading up to the event
• Big Day Umbrella insurance is a wedding day rain insurance policy that pays an agreed upon amount if it rains a predetermined amount on the client’s wedding day
• Minimum premium: $150

Prize indemnity insurance

• Coverage for sporting-related contests to be used as a promotional tool to drive event attendance and visibility
• Basketball half-court shots and parlays, football tosses and field goal kicks, hockey slot shots, and golf hole-in-one and putting contests
• Minimum premium: $150

Access TotalEvent Online for brokers or TotalEvent Online for direct customers.

Contact

URL: http://https://totaleventinsurance.com/app/customer/customerlogin.aspx?bid=1

Sports and Recreation Facilities

The Specialty Group Sports and Recreation Facilities program offers package policies for many types of indoor and outdoor sports and recreation facilities.

We are the endorsed insurance provider of the Bowling Proprietors Association of America (BPAA) through their SmartBuy Program, providing access to comprehensive package policies designed specifically for the insurance needs of its bowling center members.

Program details are as follows:

Carrier: Houston Casualty Company, A+ Rated, non-admitted

Eligible Risks Include:

• Batting Cages
• Bowling Centers
• Family Entertainment Centers
• Mini-Golf
• Driving Range
• Batting Cages
• Multi-Sport Complexes
• Fitness Centers
• Etc.

Coverages Provided:

General Liability

• Comprehensive general liability – limits up to $1 million per occurrence / $3 million aggregate
• Liquor liability
• Hired/non-owned auto liability
• Employee benefits liability

Excess Liability

• Limits up to $5 million per occurence
• Includes coverage over auto and employers liability

Commericial Property

• Nationwide program
• Special form policy
• Comprehensive extension endorsement
• Equipment breakdown included
• Flood and quake sub-limits available in select regions
• Business income with extra expense
• Replacement cost
• Crime and Inland Marine enhancements

Contact

URL: http://https://www.tmhcc.com/en-us/categories/commercial-package/sports-and-recreation

Amateur Sports

Amateur sports insurance is coverage designed for amateur athletic groups who organize and supervise athletic activities. The program includes the following types of coverage: general liability, excess liability, participant legal liability, sexual misconduct liability, property, crime, and inland marine.

Target Insureds:

• Teams
• Leagues
• Camps / Clinics
• Clubs
• Sponsors
• Athletic participants
• Officials / Coaches / Volunteers
• Fitness / Recreational Facilities

Contact

URL: http://https://www.tmhcc.com/en-us/products/amateur-sports

Kidnap & Ransom Insurance

The threat of kidnap and ransom has dramatically increased in the U.S. and abroad. Incidents are happening with alarming frequency throughout the world, and not just in traditional "hot spots" like Latin America and the Mid-East. Today's insurance coverage needs to address the concerns of high profile organizations as well as smaller firms whose employees and corporate assets are equally at risk.

HCCS has been writing Kidnap/Ransom, Extortion and Detention Insurance for over 25 years, addressing the full range of exposures facing commercial enterprises and individuals based in the U.S. and overseas. Our broad policy offers a comprehensive package of protection designed to help victims cope with what can be devastating emotional and financial consequences should an event occur.

Policy Highlights:

• Kidnap/Ransom (K&R): reimburses the policyholder for ransom paid following an actual or alleged kidnapping of an "insured" person, relative or guest.
• Extortion Bodily Injury: reimburses the policyholder for ransom paid following the receipt of a threat to kill, injure or kidnap an "insured" person, relative or guest.
• Detention: reimburses the policyholder for the salary of an "insured" person, relative or guest who is the victim of a detention, as well as certain, expenses incurred by the policyholder.
• Extortion Property Damage: reimburses the policyholder for ransom paid following the receipt of a threat to cause physical damage or loss to the insured''s products or property.

Go to http://www.hcc.com/Default.aspx?TabId=377 to learn more.

URL: http://https://www.tmhcc.com/en-us/categories/travel-and-event/kidnap-and-ransom

Restaurant Recovery & Product Recall

Accidental contamination and malicious tampering of food products in the restaurant industry causes restaurants to lose millions of dollars in revenue, including restaurants and groups of franchisees trading under the same name as the business originally affected. The impact of a trading interruption to a restaurant that suffers the effects of a food borne illness, contamination, tampering or extortion, has proven to have a devastating effect of the reputation of a business, and its financial stability can be irreparably damaged. The Restaurant Recovery Insurance policy offered through HCC Specialty responds to that need.

The policy offers business interruption coverage back to pre-incident sales and also covers brand name rehabilitation costs. Numberous other additional expenses are covered including recall costs, incident expenses, and crisis management advice. Coverage is available to restaurants of any size, single or multi-location enterprises including individual groups of franchisees.

Go to http://www.hcc.com/Default.aspx?TabId=376 to learn more.

URL: http://https://www.tmhcc.com/en-us/categories/liability-and-casualty/crisis-management

Travel Medical Insurance

A medical loss outside of the US can cost your client tens of thousands of dollars. The Atlas Series from HCC Medical Insurance Services, you can protect your clients on nearly any type of trip abroad.

Atlas Series

• Coverage Maximum options between $50,000 and $1 Million
• Deductible options between $0 and $2,500
• Meets or exceeds US and Schengen State visa requirements
• Crisis Response benefit
• Personal Liability coverage included
• Medical Evacuation and Repatriation included
• Group Coverage Available - Includes 10% discount of Atlas Travel rates
• Multi-Trip Coverage Available - unlimited number of trips during 12 months

URL: http://www.hccmis.com

Student Medical Insurance

The Student Secure line from HCC Medical Insurance Services can provide coverage for students traveling abroad. This is a great benefit to clients with a child studying abroad. It fits most needs and budgets, all the while meeting study visa requirements of the US and the Schengen States of Western Europe.

StudentSecure®

• Multiple plans for different needs
• Up to $500,000 in coverage
• Preexisting Conditions coverage after 6 months; waived if under age 19
• Coverage for Maternity and Mental Health
• Coverage for Preventative Care and Immunizations
• Intercollegiate sports coverage

URL: http://www.hccmis.com