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Ck Specialty Insurance Associates, Inc. offers a flexible, competitive Vacant & Course of Construction Insurance program to help agents and brokers place vacant properties, new construction, and renovation projects. Whether your client owns a residential flip, a commercial building awaiting lease or sale, or a property undergoing structural renovations, this program provides tailored coverage through a streamlined underwriting flow. Policies are placed on a non-admitted (E&S) basis with AM Best A rated carriers, making the program a strong option for risks outside the standard admitted market. The program is available in Arizona, California, and Colorado and supports short-term and project-specific terms to match construction or vacancy timelines. Very Competitive Commissions ***Online rater available*** Ideal Accounts and Appetite This program is a strong fit for agents placing: Vacant residential or commercial buildings awaiting sale, lease, or renovation Ground-up construction for single structures or multiple scheduled locations Properties undergoing remodeling or renovation, including projects with structural work Real estate owned by trusts, partnerships, joint ventures, or LLCs If your client holds real estate for short-term development, flipping, or rehab, this program gives you flexible policy terms and broader appetite than many admitted markets. Coverage Highlights and Advantages Monoline Property, General Liability, or combined Package (Property & Liability) Coverage for contents and multiple-location scheduling options Residential and commercial ISO policy forms available Building values up to $4,000,000 Premises liability limits up to $1,000,000 per occurrence / $2,000,000 aggregate Eligible for any combination of existing structure and renovation costs Theft available when written with Vandalism & Malicious Mischief (V&MM) Policy terms of 1, 3, 6, 9, or 12 months to match project timelines Deductibles starting at $500 Low minimum premium: $500 Example: You might place coverage for a client who purchased a California single-family home to renovate and resell. The home is vacant while major repairs are completed — this program can provide property and liability coverage during the construction period with a short-term policy tailored to the project schedule. Underwriting Notes and Minimum Premiums Ck Specialty underwrites a wide range of vacancy and construction exposures on a non-admitted basis with AM Best A rated markets. The program accepts varied ownership structures (trusts, LLCs, partnerships, joint ventures) and accommodates mixed-risk accounts combining existing building value with renovation costs. Minimum premiums start at $500; terms and final pricing are determined by occupancy status, construction type, protection features (alarms, locks, hoarding), and loss history. Territories and Availability This program is currently available in: Arizona (AZ) California (CA) Colorado (CO) Policies are placed as non-admitted (E&S) coverage in these states. Why Work With Ck Specialty? Ck Specialty Insurance Associates, Inc. is a proven General Agency and Excess & Surplus Lines broker with focused expertise in hard-to-place property risks, including builder’s risk, vacant property, and renovation exposures. You get access to A-rated E&S markets, an online rater for faster quoting, and a team experienced in sculpting short-term and project-specific policies. The program’s flexibility and competitive commissions make it practical to place non-standard accounts that admitted markets often decline. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential or commercial buildings, properties under renovation, ground-up construction projects, and real estate held by trusts or LLCs. Are short-term policies available?Yes. Policies can be written for 1, 3, 6, 9, or 12 months to align with a project or vacancy timeline. Is theft coverage included?Theft coverage is available when added with Vandalism & Malicious Mischief (V&MM) on the policy. What is the minimum premium for this program?Minimum premium begins at $500, making the program cost-effective for short-term or lower-value risks. Which states is this program available in?This program is currently offered in Arizona, California, and Colorado on a non-admitted basis. Need help placing an account? Connect with a market specialist.

Insential, Inc. offers a flexible and competitive Contractors Business Auto Insurance program designed specifically for agents and brokers placing commercial auto risks in the construction and contracting industries. Leveraging strong relationships with a variety of carriers, we provide access to markets that can accommodate a wide range of fleet sizes—from individual contractor vehicles to large, multi-unit fleets. Ideal Accounts and Appetite We can help you place accounts for a broad spectrum of contractor-related clients, including: General Contractors Artisan Contractors Service Contractors Building Supply Dealers Specialty Contractors Whether your client is a one-person plumbing operation or a regional electrical contractor with a fleet of vans, our program can offer tailored solutions to address their business auto insurance needs. Coverage Highlights and Advantages Our carriers offer a variety of coverage options to support commercial auto risks, including: Auto Liability and Physical Damage Hired and Non-Owned Auto Liability Symbol 1 (Any Auto) Available in Some Cases We work with multiple carriers, which allows us to present your clients with competitive options and flexible underwriting. Our team understands the unique exposures contractors face on the road—and we’re here to help you find the right fit for each account. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the account’s size, class, and location. We’re able to review everything from small contractor fleets to more complex risks. Appetite may vary by carrier, so call us to discuss fit and availability for your specific client. Territories and Availability We offer Contractors Business Auto Insurance in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Some markets are admitted, depending on the state and carrier. Why Work With Insential, Inc. As an experienced Excess & Surplus Lines Broker, Insential brings responsive service, market access, and underwriting expertise to agents and brokers across the country. We understand contractors’ unique vehicle usage and risk profiles, and we work hard to provide coverage solutions that meet your clients’ operational needs. Have a client expanding their fleet? Or a small contractor needing symbol 1 coverage? We’re here to help you place these opportunities quickly and competitively. Call Insential, Inc. today to discuss your Contractors Business Auto Insurance submissions – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general, artisan, service, and specialty contractors, as well as building supply dealers with commercial vehicle needs. Can you write single vehicles or only fleets?We can accommodate a range of fleet sizes, from single-unit contractors to large commercial fleets. Is Symbol 1 coverage available through this program?Yes, Symbol 1 (Any Auto) coverage may be available depending on carrier guidelines and account qualifications. Are the carriers admitted or non-admitted?Some admitted markets are available, but availability varies by state and carrier. We also work with non-admitted markets as needed. What states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us to confirm availability in your state. Need help placing an account? Connect with a market specialist.

Construction Insurance Allstar Underwriters, a division of Allstar Financial Group, offers a specialized Construction Insurance program designed to help agents place business with a wide range of construction-related risks. As a Managing General Underwriter and Excess & Surplus Lines Broker, Allstar provides flexible underwriting options and responsive service tailored to the needs of contractors and related industries. Our Small Business Solutions division streamlines the quoting and binding process, making it fast and efficient for agents to secure coverage for their clients. Whether your insured is a general contractor, a subcontractor, or operates in associated fields like retail buildouts or tenant improvements, we offer scalable solutions to meet their risk profiles. Ideal Accounts and Appetite This program is well-suited for a variety of construction and real estate-related risks, including: Contractors (general and trade-specific) Habitational properties Office buildings Vacant properties Retail and wholesale spaces Institutional facilities You might have a client who operates a small general contracting firm with occasional use of uninsured subcontractors—this program can offer the flexibility and coverage enhancements to help manage their liability exposures. Coverage Highlights and Advantages Casualty Coverage: Available as monoline or part of a package Minimum premium starting at $500 Primary liability limits up to $5 million per occurrence/$5 million aggregate Project-specific policies available Coverage available for accounts with uninsured subcontractors Optional enhancements, including: Blanket Additional Insured Waiver of Subrogation Primary & Non-Contributory wording Per Project/Per Location Aggregate Limits Hired & Non-Owned Auto (certain classes) Miscellaneous Professional Liability (certain classes) Umbrella Coverage: Limits available up to $5 million Minimum premium starting at $750 Supported or unsupported options Underwriting Notes and Minimum Premiums Allstar works with multiple carriers and can access both admitted and non-admitted markets, depending on the risk and state. Minimum premiums vary by type of coverage and account profile, but start as low as $500 for casualty and $750 for umbrella. Underlying carrier requirements include: Auto or GL carriers rated A-VI or better by AM Best Employers Liability carriers rated B++ or better Standard GL requirements: $1M/$2M/$2M Territories and Availability This program is available in most states, with a strong presence in the Southeast. States currently targeted include: AL, GA, LA, MS, NC, SC, TN, and VA. Why Work With Allstar Financial Group Allstar Financial Group brings deep expertise in construction-related insurance and offers agents a streamlined way to place challenging or niche accounts. With access to multiple carriers and a dedicated underwriting team, Allstar provides responsive service, competitive pricing, and flexible options that help you serve your clients more effectively. Whether you're placing a ground-up construction project, a rehab of a vacant property, or a contractor with complex subcontractor exposures, Allstar is a reliable partner for construction insurance solutions. Frequently Asked Questions What types of construction risks are eligible for this program?The program targets contractors, habitational risks, offices, vacant buildings, retail/wholesale spaces, and institutional properties. Can I place accounts with uninsured subcontractors?Yes, the program accepts certain risks with uninsured subcontractors and offers optional coverage enhancements to address this exposure. Are project-specific policies available?Yes, project-specific general liability policies are available as part of the construction insurance offerings. What is the minimum premium for coverage?Casualty coverage starts at a minimum premium of $500, while umbrella coverage starts at $750. Actual premiums may vary based on the account. Which states is this program available in?The program is available in AL, GA, LA, MS, NC, SC, TN, and VA, with broad access in most other states. Need help placing an account? Connect with a market specialist.