Subscribers will be named as an Additional Insured under a master insurance policy issued and underwritten by Concert Insurance Company in FL and Concert Specialty Insurance Company in AL, AK, AZ, AR, CA, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, LA, ME, MN, MS, MO, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI, & WY. This program is not available in KY, MI, NY, NV, MA, PR, UM, AS, GU, MP & VI.