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IndianaSpecial Events

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Our Special Event program is designed for both private and public event coverage. Event types include low exposure parties such as weddings and reunions, up to trade shows and sporting competitions and even haunted houses and hay rides. The program meets the needs of a wide variety of insured types including event organizers, participants, vendors and exhibitors.

Our target events are meant to be written on short term, non-renewable policies with the option to write annual renewal policies for insureds that need it. Policies providing coverage for multiple events on non-consecutive days will limit coverage to only the days of the scheduled events. Coverage can also be extended for days used to set up and/or tear down for the event(s) for no additional charge.

Liquor Liability coverage is available for most eligible event types. The coverage must be packaged with an acceptable General Liability exposure to be eligible for consideration. Low minimum premiums make for a very appealing add-on to a strong package product.

The first Additional Insured from the group below is included at no additional charge; each additional one after the first Additional Insured from the group is $50:

• Additional Insured – Managers or Lessors of Premises – CG 20 11

• Additional Insured - Grantor of License – CG 20 36

• Additional Insured – State or Governmental Agency… - Permits or Other Authorizations – CG 20 12

• Additional Insured – Lessor of Leased Equipment – CG 20 28

The Additional Insured forms below are included at no additional charge when needed

• Additional Insured - Church Members and Officers - CG 20 22

• Additional Insured – Users of Golfmobiles – CG 20 08

• Additional Insured – Club Members – CG 20 02

• Additional Insured – Charitable Institutions – CG 20 20

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Overview

GENERAL LIABILITY

PREMIUM BASIS: Varies by special event class – Total Attendance; Gross Sales; or Event Days

MINIMUM PREMIUM: $250 - $800 depending on class

DEDUCTIBLE: $250 BI & PD Combined (minimum)

APPLICATION: Special Event Supplemental Application with loss history and prior carrier information (if applicable)

AUTHORITY:

Overview

Coverages Limit

Each Occurrence $1,000,000 (Refer to Excess Liability

Section if higher limits are required)

General Aggregate $3,000,000

Products & Completed Operations Aggregate Included

Personal & Advertising Injury $1,000,000

Damage to Premises Rented to You $100,000

Medical Payments $5,000

Coverages Debit Credit

Commercial General Liability Unlimited 25%

(not to be applied to Minimum Premiums)


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CLASSIFICATIONS

Animal Events

• Dog Walks

• Dog/Cat Shows

• Pet Adoption Events

Conference and Meetings

• Business Conferences

• Business Meetings

• Religious Meetings

Educational

•Book Signings

•Educational Lectures

•Educational Seminars

•Educational Workshops (limited hands-on exposure is acceptable)

•Model Legislatures

•Outstanding Youth Programs

•Speaking Engagements

Festivals and Parades

• Beer Festival

• Carnivals

• Circuses

• Fairs (local or county only)

• Festivals

• Parades – Organizers

• Parades – Participants

• Tastings – Wine, Beer or Liquor

• Wine Festival

Film and Television

• Closed Circuit TV Viewing

• Film Screenings or Showings

• Film or Photo Shoots (no stunts or pyrotechnics; PI/AI and professional excluded)

Fundraisers

• Bachelor/BacheloretteAuctions

• Benefits

• Bingo Games (charity-sponsored)

• Car Washes

• Casino Nights (charity-sponsored)

• Charity Events

• Meal Fundraisers (charity-sponsored)

• Silent Auction

• Telethons

• Toy Drives

• Walk-a-thons

Life Events

• Anniversary Celebrations

• Bar Mitzvah or Bat Mitzvah

• Graduation Ceremony

• Memorial Services

• Quinceañera

• Reunions

• Wedding Receptions

• Wedding Ceremony

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CLASSIFICATIONS

Sales Events and Auctions

• Automobile Auctions

• Bake Sales

• Bazaars

• Craft Shows

• Direct selling consultant parties

• Estate Sales

• Farmers Markets

• Flea Markets

• Garage Sales

• Home and Property Auctions

• Livestock Auctions

• Rummage Sales

• Sidewalk Sales

• Yard/Rummage Sales

Seasonal Events

• Christmas Caroling

• Christmas lighting ceremony

• Christmas Party

• Christmas tree lots

• Corn Maze

• Easter Egg Hunt

• Haunted Forests

• Haunted Houses

• Hay Rides

• Holiday walking tour

• NYE Party

• Pumpkin Patches

• Santa Houses

• Singing Valentines

Social Gatherings

• Award Presentations

• Balls/dances (no minors)

• Banquets

• Barbeques and pig roasts

• Block Parties

• Debuts or debutante balls

• Gala

• Garden Walking Tour

• Historical walking tour

• Ice Cream Socials

• Lady's Club Events

• Pancake Breakfasts

• Picnics

• Retreats

Non-athletic Competition• Board Game Tournament

• Card tournaments

• Chess events

• Cooking Contests

• Singing Competitions

• Aerobics

• Camping Trip

• Canoeing (no rapids exposure)

• Hiking

• Hunts/shoots (limited to small and medium game on easily passable terrain)

• Kayaking (no rapids

exposure)

• Rowing

• Scavenger Hunts

• Yoga

• Zumba

Recreation

Live Performances

• Ballet

• Beauty Pageants

• Classical Dance Show

• Concerts

• Dance Recitals

• Historical Battle Reenactments

• Marching Band

Performance

• Musical Recitals

• Plays or Theater Productions

• Poet or Poetry Readings

• Talent Search/Shows (children only)

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CLASSIFICATIONS

• Archery Tournaments

• Baseball Tournaments

• Basketball Tournaments

• Body Building Competitions

• Bowling tournaments

• Dance Competitions

• Dodgeball Tournaments

• Fencing Tournaments

• Fire Department Water Fights

• Fishing Tournaments

• Golf tournament

• Kickball Tournaments

• Logging competitions

• Martial Arts/Karate/Judo

Tournaments

• Pool/billiard Tournament

• Punt, Pass & Kick Competitions

• Run/Walks up to 10k

• Shooting/Skeet Competitions

• Soap Box Derbies

• Soccer Tournaments

• Softball Tournaments

• Surfing Competition

• Swimming Tournaments (in pools only)

• Tennis Tournaments

• Tractor Pulls

• Volleyball Tournaments

Sporting Events and Competitions

• Antique shows

• Art shows or displays

• Auto Shows (no racing, stunting or burnout competitions)

• Baby shows

• Boat Shows - no water exposure

• Collector shows

• Fashion Shows

• Fishing and Outdoor Shows

• Flower shows

• Health fairs (exclude professional)

• Home improvement shows

• Home Shows

• Job or career fairs

• Lawn and garden shows

• Parade of homes

• RV Shows

• Wedding Shows

• Vacation Shows

Trade Shows and Fairs

Vendors

• Concession/Refreshment Stands

• Demonstrations in Stores

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Eligibility

General Event Types ActivitiesConcerts and

FireworksHaunted House and Hay Rides

Loss History

ELIGIBILITY

Category Submit Prohibit

Territory Events located in WI

Exposures Gross ticket sales exceeding $250,000 Attendance greater than 10,000 Requests for less than 100% minimum earned

premium Requests to use CG 20 26 – Additional Insured –

Designated Person or Organization Requests to add CG 25 04 – Designated Locations

General Aggregate Limit Events that don’t require all contractors and

vendors to provide certificates of insurance

Alcohol Service Host liquor liability coverage (removal of the total liquor liability exclusion)

Assault or Battery Coverage

Removal of the A&B exclusion

Security Contracted armed securityo Certificates of insurance are required and

must name our insured as an Additional Insured

• Employed armed security

General


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ELIGIBILITY


Event Types Business meetings/conferences with activities taking place outside of a typical conference room environment

Circuses Hunts or shoots Knife shows Motorized vehicle events Religious meetings

Airshows Bicycle rides and races Boat cruises Boat races Boat shows with an in

water exposure Celebrity-hosted

parties Cheerleading

competitions Clean up projects College

fraternity/sorority events

Demolition derbies Demonstrations or

marches Dog sled races Filming or

photography shoots that utilize stunts or pyrotechnics

Fireworks stands Foam parties Food eating

competitions Gun Shows Horse shows

Marathons Motorcycle rides or

rallies Motocross Mud Runs Mudding events –

rallies and bogs Obstacle course races Paintball Poker runs Political events Pool parties Proms or prom parties Professional sporting

events Pub crawls Raves Rodeos (refer to

Equine IPG) Roller derbies Snowmobile races Tailgates Triathlons Union meetings or

events

Event Types


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Loss History

ELIGIBILITY


Activities Events with bonfires or open pit fireso All fires must be confined to a controlled area,

bounded by stone or metal (uncontrolled fires are prohibited)

o Burning of anything other than wood is prohibited

o Oversight of the fire should be provided by a FD or someone with knowledge of monitoring and controlling fires

o Water or fire extinguishers are required to be available

Horse drawn rides Trade show booths that allow attendees to

participate in physical activities or use any type of equipment or machinery

Pumpkin throwing, launching or catapulting (area must be fenced to keep spectators out)

Amusement rides owned or operated by the insured

Airsoft gun usage Bungee jumping Construction exposures (e.g. – Habitat for

Humanity) Educational workshops that allow for participants

to use power tools, machinery or weapons Events held at airports Hot air balloon rides Hunts for dangerous game such as bears, wild big

cats (mountain lion, cougars, panthers, etc.) or alligators/crocodiles

Hunts taking place on dangerous terrain such as steep mountain sides and cliffs

Inflatables o This exposure is acceptable but excluded by

endorsement if the inflatable exposure is rented from and run by a third party vendor.

o Owned inflatable exposures are not eligible for coverage.

Skydiving or parachuting Trampolines Water rides and slides

Activities


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ELIGIBILITY


Concert Exposures Concert/event promoters Heavy metal Hip hop Punk rock Rap Electronic Dance Music (EDM) concerts/festivals

Fireworks Exposure Indoor fireworks or pyrotechnic displays Certificates of insurance showing at least $1M in

coverage for fireworks liability not being collected from the company do the setup and ignition of the display

Employees or volunteers of the insured performing or assisting in the setup or ignition of the displays

Minimum distance between spectators and the display not being maintained as required by the local fire department overseeing the evento If no recommendation from the fire

department is given, the distance should be no less than 200 feet between the spectators and the fireworks display

Concerts and Fireworks


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ELIGIBILITY


Haunted Houses/Forests

Locations that take place in:o Condemned or abandoned buildingso Basementso Boats or barges

Use of empty hangmen ropes, knives, swords and similar items

Use of chain saws (with or without chains) Use of chutes, ladders or slides. Moving floors or trap doors Open flames Electric shocks Cardboard construction Patrons are allowed to touch or interact with

displays or skits Actors are allowed to touch patrons Black outs Smoking allowed on premises

Hay Rides Rides not specifically designed and constructed by others to transport people (no DIY)

Seats for riders that are not permanently mounted

Not being equipped to prevent riders from falling Operators under 18 years of age Operating on or crossing any public street, road,

highway or thoroughfare

Haunted House and Hay Rides


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Loss History

LOSS HISTORY

Submit Prohibit

• Any claims greater than $10,000 for the same event in the past 5 years

Loss History


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General Liability

Optional Coverages

OPTIONAL COVERAGESAssault or Battery SublimitSpecial events will have Assault and Battery excluded by default. Sublimits can be purchased with this coverage. The premium for this limited coverage is calculated as a percentage of the General and Liquor Liability premium.CGL 387 Assault or Battery Hazard Limited Coverage

Limits Deductibles

$ 25,000 / $ 25,000 $ 250,000/$ 500,000 $1,000

$ 25,000 / $ 50,000 $ 300,000/$ 300,000 $2,500

$ 50,000 / $ 50,000 $ 300,000 / $ 600,000 $5,000

$ 50,000 / $ 100,000 $ 500,000 / $ 500,000

$ 100,000 / $ 100,000 $ 500,000 / $ 1,000,000

$ 100,000 /$ 200,000 $ 1,000,000 / $ 1,000,000

$ 250,000 / $ 250,000

https://www.capspecialty.com/PublicSite/capfiles/535725.pdf


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Standard Pg. 2

Standard Pg. 1

Cond. or Opt. Pg. 1

Interline

Cond. or Opt. Pg. 2

INTERLINE FORMSForm # Edition Form Title

Standard

IPG 001 04 16 Common Policy Declarations

IPG 007 04 16 Policy Coverage Part Form Schedule

IPG 002 08 15 Locations Schedule

CGE 112 03 15 Important Notice

CGE 071 03 15 Service Of Suit

CGE 479 02 13 Indiana Amendatory Endorsement - "Pollutants" Redefined

IL 00 17 11 98 Common Policy Conditions

CGE 126 03 15 Amendment - Minimum Earned Premium

CGE 418 11 08 Non-renewable Short Term Policy

CGL 388 04 10 Assault or Battery Exclusion

IL 00 21 09 08 Nuclear Energy Liability Exclusion Endorsement (Broad Form)

IL 01 17 12 10 Indiana Changes - Workers' Compensation Exclusion

IL 02 72 09 07 Indiana Changes - Cancellation and Nonrenewal

Optional

CGL 387 04 10 Assault Or Battery Hazard Limited Coverage






https://www.capspecialty.com/capfiles/593325.pdf









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Standard Pg. 2

Standard Pg. 1

Cond. or Opt. Pg. 1

Interline

Cond. or Opt. Pg. 2

Form # Edition Form Title

IPG 003 04 16 Commercial General Liability Declarations

IPG 008 04 16 Commercial General Liability Coverage Form Schedule

CG 00 01 04 13 Commercial General Liability Coverage Form

CG 03 00 01 96 Deductible Liability Insurance

CG 21 06 05 14 Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability –With Limited Bodily Injury Exception

CG 21 09 06 15 Exclusion – Unmanned Aircraft

CG 21 36 03 05 Exclusion – New Entities

CG 21 47 12 07 Employment-Related Practices Exclusion

CG 21 49 09 99 Total Pollution Exclusion Endorsement

CG 21 66 06 15 Exclusion – Volunteer Workers

CG 21 67 12 04 Fungi Or Bacteria Exclusion

CG 24 26 04 13 Amendment of Insured Contract

CGL 004 01 13 Exclusion – Punitive or Statutory Damages

CGL 030 04 13 Total Liquor Liability Exclusion

CGL 135 01 13 Exclusion – Lead Liability

CGL 176 01 13 Exclusion – Bodily Injury to Independent Contractors

CGL 285 08 03 Exclusion – Participants and Contestants

CGL 364 04 12 Policy Period Amendment – Postponed Event

CGL 367 01 13 Exclusion – Inflatable Amusement Device

CGL 408 08 13 Exclusion – Firearms and Weapons

CGL 426 01 13 Exclusion – Described Hazard – Fireworks, Explosives, Pyrotechnic Devices or Incendiary Devices

CGL 427 01 13 Exclusion – Extreme or Adventure Sports Activities

STANDARD FORMS







CG 21 36 03 05Exclusion - New Entities

















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Standard Pg. 2

Standard Pg. 1

Cond. or Opt. Pg. 1

Interline

Cond. or Opt. Pg. 2


CGL 431 01 13 Exclusion – Amusement Rides

CGL 435 01 13 Non-Pyramiding Of Coverage Part Limits

CGL 441 09 15 Limitation of Coverage to Designated Classification(s) Endorsement

CGL 450 01 14 Exclusion – Organized Sports Participants

CGL 453 07 13 Total Asbestos Exclusion

CGL 489 02 16 Amend Minimum and Deposit Premium Endorsement

CGL 490 02 16 Amend Other Insurance Endorsement

CGL 492 02 16 Premium Basis Endorsement

STANDARD FORMS










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Standard Pg. 2

Standard Pg. 1

Cond. or Opt. Pg. 1

Interline

Cond. or Opt. Pg. 2


CG 20 01 04 13 Primary and Noncontributory – Other Insurance Condition

CG 20 02 11 85 Additional Insured – Club Members

CG 20 08 04 13 Additional Insured – Users of Golfmobiles

CG 20 11 04 13 Additional Insured – Managers or Lessors of Premises

CG 20 12 04 13 Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations

CG 20 20 11 85 Additional Insured – Charitable Institutions

CG 20 22 10 01 Additional Insured – Church Members and Officers

CG 20 26 04 13 Additional Insured – Designated Person or Organization

CG 20 28 04 13 Additional Insured – Lessor of Leased Equipment

CG 20 34 04 13 Additional Insured – Lessors of Leased Equipment – Automatic Status When Required in Lease Agreement with You

CG 20 35 04 13 Additional Insured – Grantor of Licenses – Automatic Status When Required by Licensor

CG 20 36 04 13 Additional Insured – Grantor of Licenses

CG 21 04 11 85 Exclusion – Products-Completed Operations Hazard

CG 21 16 04 13 Exclusion – Designated Professional Services

CG 21 32 05 09 Communicable Disease Exclusion

CG 21 33 11 85 Exclusion – Designated Products

CG 21 35 10 01 Exclusion – Coverage C – Medical Payments

CG 21 38 11 85 Exclusion – Personal and Advertising Injury

CG 21 39 10 93 Contractual Liability Limitation

CG 21 45 07 98 Exclusion – Damage to Premises Rented to You

CG 21 46 07 98 Abuse or Molestation Exclusion

CG 21 50 04 13 Amendment of Liquor Liability Exclusion

CONDITIONAL OR OPTIONAL FORMS
























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Standard Pg. 2

Standard Pg. 1

Cond. or Opt. Pg. 1

Interline

Cond. or Opt. Pg. 2


CG 21 53 01 96 Exclusion – Designated Ongoing Operations

CG 21 55 09 99 Total Pollution Exclusion with a Hostile Fire Exception

CG 22 44 04 13 Exclusion – Services Furnished by Health Care Providers

CG 24 04 05 09 Waiver of Transfer of Rights of Recovery Against Others to Us

CG 25 04 05 09 Designated Location(s) General Aggregate Limit

CGL 343 01 13 Exclusion – Participants (Specified Activities/Operations)

CGL 367 01 13 Exclusion – Inflatable Amusement Device

CGL 439 06 16 Limitation of Coverage to Designated Events or Activities

CGL 446 01 13 Total Horse and Equine Exclusion

CGL 481 08 15 Exclusion – Tobacco

CGL 487 02 16 Exclusion – Contractors or Subcontractors

CGL 500 06 16 Exclusion – Injury to Entertainers, Performers or Crew

CONDITIONAL OR OPTIONAL FORMS














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Overview

LIQUOR LIABILITY

CLASS CODES: 01030/01033 – Special Events – Group I

01034/01035 – Special Events – Group II

01036/01037 – Special Events – Group III

PREMIUM BASIS: 01030/01034/01036 – Sales

01033/01035/01037 – Total Attendance

MINIMUM PREMIUM: Varies by event $125 - $800

DEDUCTIBLE: None required

APPLICATION: Special Event Supplemental Application with loss history and prior carrier information (if applicable)

AUTHORITY: Coverages Limit

Each Common Cause $1,000,000

Aggregate $2,000,000

Coverages Debit Credit

Liquor Liability Unlimited None


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Forms

Eligibility

General Event Types

ELIGIBILITY

Category Submit ProhibitExposure Alcohol service not being confined to a

dedicated area such as a beer garden, fenced

area, or similar

Monoline Liquor Liability

Events located in the states of AL, IA or VT

Service Procedures No formal alcohol server training required for

all alcohol servers

Events where attendees serve themselves

Age of patrons not verified prior to being

served alcohol

Alcohol being served or provided by someone

other than an employee or independent

contractor of the insured

Events where contracted bartenders do not

provide certificates of insurance and name

our insured as an Additional Insured on their

liquor liability policy

Activities Concerts serving alcohol Drinking competitions or games of any type

Forms Requests to add CG 25 14 – Designated

Locations Aggregate Limit

General


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Eligibility

General Event Types

ELIGIBILITY


Event Types Aerobics

Automobile Auctions

Bake Sales

Beer Festivals

Book signings

Camping Trip

Canoeing

Car Washes

Christmas tree lots

Easter Egg Hunt

Educational Lectures

Educational Seminars

Educational

Workshops

Estate Sales

Garage Sales

Garden Walking Tour

Graduation Parties

Haunted Forests

Haunted Houses

Hay Rides

Health fairs

Hiking

Historical Battle

Reenactments

Historical walking tour

Holiday walking tour

Home and Property

Auctions

Hunts/shoots

Job or career fairs

Kayaking

Livestock Auctions

Model Legislatures

Outstanding Youth

Programs

Religious Meetings

Rowing

Rummage Sales

Santa Houses

Scavenger Hunts

Sidewalk Sales

Singing Valentines

Speaking Engagements

Telethons

Walk-a-thons

Wine Festivals

Yard/Rummage Sales

Yoga

Zumba

Event Types


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Eligibility

FormsForms

FORMSGo to Interline Forms


Standard

IPG 004 04 16 Commercial Liquor Liability Declarations

IPG 009 04 16 Commercial Liquor Liability Coverage Part Form Schedule

CG 00 33 04 13 Liquor Liability Coverage Form

CG 03 05 01 96 Deductible Liability Insurance

CG 28 06 01 96 Limitation of Coverage to Insured Premises

CLQ 004 03 13 Exclusion – Punitive or Statutory Damages

Optional

CG 25 14 04 13 Designated Location(s) Aggregate Limit

CLQ 007 03 07 Additional Insured

CLQ 009 05 13 Additional Insured – State or Governmental Agency or Subdivision or Political Subdivision – Permits or Authorizations

CLQ 011 08 13 Additional Insured – Designated Person or Organization












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INSPECTIONS

Inspections are not required for Special Events, however inspections should be ordered when good judgement suggests!

Inspections


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TRIA

TRIA

TRIA

Forms attached to policy if insured accepts TRIA

Interline

IL 09 85 01 15 Disclosure Pursuant To Terrorism Risk Insurance Act

Liability

CG 21 70 01 15 Cap On Losses From Certified Acts of Terrorism

CG 21 76 01 15 Exclusion Of Punitive Damages Related To A Certified Act Of Terrorism

CG 21 87 01 15 Conditional Exclusion Of Terrorism (Relating To Disposition Of Federal Terrorism Risk Insurance Act)

Forms attached to policy if insured rejects TRIA.

Liability

CG 21 73 01 15 Exclusion Of Certified Acts Of Terrorism

CG 21 87 01 15 Conditional Exclusion Of Terrorism Relating To Disposition Of Federal Terrorism Risk Insurance Act

CGE 506 Notice - Offer Of Terrorism Coverage Notice - Disclosure Of Premium must be completed by the insured prior to binding. This form is automatically attached to all quotes.

Minimum Premium: $100









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Requirements

E-signature

Binders

UW FILEUpon issuance, please send the following documents to [email protected]:

• Acord Application – completed and signed• Supplemental questionnaire – completed and signed• Prior carrier loss history

• Annual event policies - three years for each of the lines issued with us (insureds in business less than three years must provide loss runs for all years they have been in business if applicable)

• All others – signed application indicating no losses• Other underwriting documentation such as correspondence with your agent, prior carrier audit reports if

available, website screenshots, etc.

If an endorsement is issued during the policy term, the same requirements as above apply; provide details on the reason for the change for our company file.

Your policy file shall contain, at minimum, the following:

CapSpecialty will monitor compliance through its Portfolio Management Review Process.

• Original Submission Documents• Rating, including supporting documentation for all

applied credits and/or debits and/or justification for any individual risk modification factors

• Quotes or proposals• Any subjectivities requested at quote or bind,

documentation of subsequent decision to waive subjectivities

• Binders• Any correspondence on coverage, premium, referrals

and company approvals• Any premium audits

• Policy formso Declarations Pageo All policy forms including endorsements issued

at inceptiono Copies of any midterm endorsements, NOCs,

Additional Insured, Certificates of Insurance,Non-renewal notices, Renewal Notices

• Inspectionso Inspection reports and recommendation(s)o Inspection compliance

• Signed and dated TRIA rejection (if applicable)

mailto:[email protected]


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Requirements

E-signature

Binders

E-SIGNATURE

We will accept e-signature document(s) generated between a General Agent, Broker or Retail Agent with a business or consumer provided that the e-signature meets or exceeds the minimum e-signature requirements outlined below:

• The signer receives Uniform Electronic Transaction Act (UETA) or State consumer consent disclosures; and

• The signer has affirmatively consented to use electronic records for the transaction and has not withdrawn consent; and

• An associated record is kept reflecting the process by which the signature was created; and

• The record is retained and capable of reproduction by all parties.

Agents will not need to notify us that they are using e-Sign technology. However, Agents, upon request, must produce all required electronically signed applications and supplemental applications and/or questionnaires including electronic audit trails to show verification of e-signature and compliance with the minimum requirements.

CapSpecialty will monitor compliance through its Portfolio Management Review Process.


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Requirements

E-signature

Binders

BINDERSAll subjectivities must be met prior to issuing a binder.