Entertainment & Sports Rate Guide — U.S. 2025 Entertainment Coverage & Sports Rate Insights Guide +5% to 7% Capacity is more restrictive with some carriers being more General Liability & General LIability selective or unable to offer the same level of coverage limits as Excess Liability - they historically have. National Governing Body & Athletic +10% to 25% For Excess Liability, expect higher minimum premiums. Stringent Excess Liability guidelines persist for exposure to Sexual Abuse & Molestation, Associations Concussion, Chronic Traumatic Encephalopathy (CTE), and Traumatic Brain Injury (TBI). Results reflect market recovery and depend heavily on account metrics (occupancy, business class, loss control, catastrophic Commercial Property -5% to +10% exposure, claims history, etc.). Accounts that are being non- renewed by incumbents, particularly single carrier placements, are still seeing less favorable results in the form of larger rate increases and/or increased deductibles and retentions. While rates in certain geographies are stabilizing for catastrophic perils, there are exceptions, especially for wind and earthquake exposed accounts that have seen drastic run-ups in rates and premiums during the hard market cycle. Carriers remain focused on valuations, driving increased costs for some insurance Catastrophic Perils -10% to +5% programs. While there are signs of the market softening with specialty carriers, the standard market is still working to achieve adequate rates on their book. Severe and convective storm and wildfire continue to be significant concerns for underwriters and there is also a major focus on the Atlantic Wind Season. Capacity between carriers for D&O placements remains strong. D&O -10% to +5% Underwriters are aggressively cutting premiums, giving automatic renewals and awarding two-year policies to maintain business. Premiums for cyber liability insurance are expected to continue to fall. Breaches and outages of significant service providers (i.e., Cyber -10% to Flat breaches at Change Healthcare and Crowdstrike) haven’t led to rate hikes yet but may point to harder market conditions in the first half of 2025. Event Cancellation, Rate and capacity considerations include weather, climate Contingency & Non- Flat to +15% change, active shooter and civil authority. Carriers are stringent in Appearance underwriting not only the actual event but also auxiliary activities surrounding the event. Flat to +5% Less than $5M Production & Film budget Regardless of the production size, expect underwriting scrutiny on Package +10% to 25% overall risk and safety protocols. $5M budget or more 9