Operations

Greenarc360 LLC operates a mobile golf-simulator entertainment business. The company brings simulator technology, golf equipment, games and competitions to customer-selected venues including private parties, weddings, corporate events, fundraisers, trade shows and community events. The team reportedly handles setup and operation. The St. Petersburg address is the only submitted location, but public information supports it as a mailing or registered-agent address rather than an established customer-facing premises.

Risk narrative

Overall posture is hold and request information, not quote-ready. Greenarc360 is a newly organized Florida LLC offering a mobile golf-simulator experience at customer-selected venues; the St. Petersburg address appears supported as a mailing or registered-agent address, not an established customer premises. The dominant GL exposures are participant injury from clubs, balls and simulator activity, temporary setup and cable hazards, equipment damage, and third-party event conditions. No formal safety policy is indicated, and waivers, barriers, inspections, age controls and staffing qualifications are not evidenced. The submitted 44071 Golf Driving Ranges class may not fit the mobile event model, while the each-occurrence and other GL limits are blank. No loss runs or no-loss representation was supplied. Territory, venues, staffing, subcontractors, vehicles and current effective status remain unresolved.

Hazards severity and frequency graded separately — they drive different decisions

Overall grade 4/5. The operation has meaningful physical activity, public access and off-premises setup exposures, with potential for severe participant injury even though the operation is not inherently catastrophic. The grade is elevated because core safety, staffing, venue and transportation controls are not evidenced.

Catastrophe exposure

The submitted address is in Florida, so windstorm and flood considerations may apply to any actual premises or stored equipment. The mobile operating territory and event venues are not supplied, so venue-specific natural-catastrophe exposure cannot be evaluated.

Loss analysis Insufficient data0 yr(s) supplied

No loss periods were supplied; loss experience is unestablished and the risk cannot be experience-rated.

• High No loss runs or explicit new-venture/no-prior-coverage representation was supplied, so frequency, severity, open claims and coverage continuity cannot be evaluated.
• Moderate The absence of reported losses is not evidence of a clean record.
• Moderate No prior carrier, expiring premium or prior policy period information was provided.

Appetite view Refer

The deterministic guideline result is InAppetite and the account is Cleared under the supplied rule table, but my underwriting view is Refer because the mobile event model is not clearly represented by the submitted 44071 Golf Driving Ranges class, the operation-specific hazard grade is elevated, complete limits are missing, and loss and operating information is insufficient. The Dellwood class guidance lists 44071 as hazard grade L with preferred attachment point P; that guidance does not resolve the underlying classification or mobile-event control questions.

The guideline rule returned InAppetite (UWGUIDE-44071-A-EDB7DDA3). The rule is authoritative; this difference is shown so it can be considered, not overridden.

In favour

• The deterministic appetite result is InAppetite and the account is Cleared.
• The stated annual gross sales are limited to $25,000.
• No exposure to flammables, explosives or chemicals, blasting, excavation, underground work or earth moving is reported.
• The website gives a reasonably coherent description of a mobile event-based business and states that the company team handles setup and operation.
• The AQUA ISO GL engine provides an available technical indication for the submitted exposure and class scenario.

Concerns

• Class 44071 is described as Golf Driving Ranges, while the source-backed operation is mobile golf-simulator entertainment at customer-selected venues.
• The submitted operation has participant injury, temporary setup and off-premises event exposures that may be more elevated than the class guidance's L hazard designation.
• The complete primary limits and deductible basis are not supplied.
• Loss experience, mobile territory, venues, staffing, subcontractors and transportation arrangements are not established.

Business opportunity Win likelihood Low

The account is small and potentially within the book, but the submission is incomplete, the effective date has passed, no expiring premium is provided, and the broker is seeking a market because the risk is not in the rater. The unresolved class and missing core terms materially reduce the probability of a prompt bind.

Why it is in the market. The broker email expressly states the risk is not in the rater and asks for a market to consider GL for a mobile golf simulator. The apparent reason is the unusual or unresolved classification and limited information, not evidence of broad incumbent shopping.

This could be a small, niche account with future event-based growth, but the current file is better treated as a classification and information-gathering opportunity than as quote-ready business.

Account rounding leads

• Property/Inland Marine. The mobile simulator and related equipment may be owned, transported and stored, but no equipment schedule or values were provided.
• Workers Compensation. Employees or event staff may be involved, but employee counts and the staffing model are not supplied.
• Commercial Auto. The mobile operation implies transportation to customer venues, but vehicle ownership, drivers and use are unknown.
• Umbrella/Excess. Participant bodily injury at events could be severe, but no excess request or underlying tower information is provided.
• EPLI. Employment practices exposure should be considered if Greenarc360 uses employees or event staff; the workforce is not described.
• Cyber. Consider only if the website, booking process or payment activity stores customer, event or payment information; the current submission does not establish the data environment.