Search CompleteMarkets

...ers' Compensation Solution for Agricultural Businesses Utah Business Insuran...ts multi-location and multi-state agricultural businesses provided the operati...

...ts and brokers with clients in agricultural industries. As a Western-based, fa...farms. Both traditional and niche agricultural risks are considered. Is this p...

...alty appraisers (e.g., equine, agricultural, machinery, collectibles) Whe...praisers such as those focused on agricultural or equine assets. Both standard...

...ion Risks • Dry Cleaners • Agricultural Environmental Risks We also offe...service firms (engineers, lawyers, consultants), real estate professionals (ap...

Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) offers a construction-focused Workers Compensation program built for contractors and trades professionals. The program combines flexible underwriting, admitted paper across available territories, and construction-specific risk management to help your clients control losses and manage costs. Overview of the Program UBIC's Construction Workers Compensation Insurance is designed to address the day-to-day exposures contractors face. The program underwrites accounts on their individual risk characteristics rather than relying solely on class-based pricing, giving agents flexibility to place established contractors as well as qualified new ventures expanding into additional states. Ideal Accounts and Appetite The program targets most NCCI construction class codes and is best for employers with a minimum of three employees (owners and officers excluded). Roofers are considered but typically require a higher minimum premium. Accounts converting off a PEO or employee leasing arrangement are eligible when payroll and class reporting can be documented. Example accounts that fit well include: A drywall contractor with five field employees operating in Utah and Nevada A start-up electrical contractor in Colorado with an owner who has verifiable prior trade experience Coverage Highlights and Advantages Individually underwritten accounts—underwriting focuses on risk controls and loss history, not just class codes Admitted paper in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC for broader placement options Flexible payment plans and monthly self-reporting available to match contractor cash flow Risk Management Tools Custom safety manuals and meeting logs tailored to construction trades Practical checklists and jobsite safety tips to reduce exposures Quarterly to annual risk assessments depending on account size and needs Phone, in-person, or online safety consultations available to help implement controls Underwriting Notes and Minimum Premiums Most NCCI construction codes are eligible; underwriting reviews class mixes and operations Experience modification factors up to 1.50 are generally acceptable (higher with referral) Minimum premium starts at $2,500 (roofing risks typically have a $5,000 minimum) New ventures are considered when the owner has verifiable experience in the trade Territories and Availability This program is admitted and available in Arizona, Idaho, Nevada, New Mexico, Oregon, and Utah. Multi-location and multi-state contractors that operate within these territories are eligible. Why Work With UBIC? UBIC brings focused construction workers compensation expertise and admitted solutions across its available states. Agents benefit from responsive underwriting, construction-specific risk management resources, and placement options through Companion Property and Casualty and Companion Commercial Insurance when broader solutions are needed. Use this program to place contractors who value tailored underwriting and practical loss-control support. Frequently Asked Questions What types of accounts are a good fit for this program?Most construction-related businesses with at least three employees beyond the owners qualify. Typical fits include general contractors, electricians, plumbers, HVAC contractors, and roofing contractors (roofing may require a higher minimum premium). Is the program available for new ventures?Yes. New ventures are eligible when the owner or principal has verifiable prior experience in the same construction trade. Are multi-state or multi-location contractors eligible?Yes. Multi-location and multi-state operations within the program territories are eligible; UBIC offers admitted paper where available. Can accounts coming out of a PEO or leasing arrangement qualify?Yes. Accounts transitioning from a PEO or employee leasing model can be considered provided payroll and employee classifications are documented. What risk management support is included?UBIC provides safety manuals, meeting logs, tailored checklists, periodic risk assessments, and access to safety consultations to help reduce workplace injuries and improve compliance. Need help placing an account? Connect with a market specialist.

...cial contractors, environmental consultants, real estate operations, and manuf...

Contractors Pollution Liability Insurance from Environmental Underwriting Solutions Environmental Underwriting Solutions offers a focused Contractors Pollution Liability (CPL) program that helps agents place pollution liability for contractors working on construction, remediation, and maintenance projects. Available on both claims-made and occurrence forms, this program provides third-party coverage for bodily injury and property damage, defense costs, and pollution cleanup — for sudden accidents as well as gradual releases, including mold and fungi exposures. Ideal Accounts and Target Classes This CPL program fits a broad range of contractor accounts, from environmental specialists to general and specialty trades. Typical classes include: Asbestos and lead abatement contractors Remediation and emergency response firms Storage tank installation, removal, and fuel-handling contractors Painting, plumbing, electrical, HVAC, and insulation contractors General construction, carpentry, roofing, and artisan trades Grading, excavation, drilling, dredging, and pipeline work Mold remediation, industrial cleaning, and septic services Example placements you might bring to this program: a small residential remodeling contractor whose work includes mold remediation and HVAC modifications, or a mid-size oilfield contractor performing tank removals and site restoration that needs pollution liability with transportation and completed operations limits. Coverage Highlights and Advantages This CPL offering emphasizes broad, flexible protection designed for contractor exposures: Broad definition of pollution conditions that explicitly includes mold and fungi Third-party property damage and bodily injury, plus legal defense and cleanup costs Coverage for natural resource damages under Property Damage where applicable Transportation Pollution Liability option for exposures in transit Emergency response costs included Blanket coverage for non-owned disposal sites Project-specific excess and long-term tail/completed operations options for project placements No automatic exclusions for construction defects or water intrusion (subject to underwriting) Available for both owned and leased locations; occurrence forms include built-in completed operations Underwriting Notes and Minimum Premium Environmental Underwriting Solutions partners with multiple carriers to match risk characteristics to appropriate markets. Appetite is broad, but underwriting varies by carrier — typical factors include the contractor’s trade, past loss history, project types, waste handling practices, and subcontractor controls. The program can be placed on either claims-made or occurrence forms depending on the carrier and client needs. Minimum premium for the CPL program starts at $500, which makes the program accessible for small contractors while scaling for larger, more complex accounts. Territories and Program Availability This program is available in most states, including CA, TX, FL, NY, IL, WA, PA, and GA. Environmental Underwriting Solutions offers admitted options in many jurisdictions and can place non-admitted business where appropriate to meet client needs. Why Work With Environmental Underwriting Solutions? As a wholesale broker with deep environmental expertise, Environmental Underwriting Solutions gives agents access to competitive markets and practical underwriting guidance for pollution risks. You’ll get responsive service, flexible program structures (project-specific or packaged), and help identifying carriers that fit each contractor’s operations. Contact us for more information on our Contractors Pollution Liability program! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general contractors, environmental contractors, and specialty trades performing remediation, abatement, plumbing, HVAC, roofing, grading, and industrial cleaning who need pollution liability protection for third-party claims and cleanup costs. Is mold coverage included in this CPL program?Yes. The program’s broad definition of pollution conditions includes mold and fungi exposures. Coverage can be written on either a claims-made or occurrence basis, depending on carrier availability and the client’s needs. Are project-specific policies available?Yes. Project placements can include completed operations language and long-term tail coverage where needed, making the program suitable for both single-project placements and ongoing operations accounts. What is the minimum premium for this coverage?The program’s minimum premium starts at $500, allowing you to place smaller contractor accounts as well as larger risks that require higher limits or specialized terms. In which states is this program available?The program is available in most U.S. states, including CA, TX, NY, FL, IL and others. Admitted options are available in many jurisdictions; non-admitted placement is used where appropriate. Need help placing an account? Connect with a market specialist.

No matter where your client is located, Phoenix Risk Management provides a flexible, competitive stand-alone Workers' Compensation Insurance program designed to help you place even the most challenging risks. We give independent agents and brokers access to a broad array of Workers’ Compensation markets and coverage structures through multiple A-rated carriers. Whether you’re working with a new venture, a high-mod account, or a business with lapses in coverage, our goal is to find the right fit for your client’s needs quickly and efficiently. We offer a variety of plan options, including: Guaranteed Cost Plans Deductible and Loss Sensitive Plans Self-Insurance for Groups and Individuals Captive Programs Minimum premiums starting at $500.00 Solutions for special situations: - Mid-term cancellations - Lapsed coverage - New ventures Ideal Accounts and Appetite Phoenix Risk Management underwrites a wide range of Workers’ Compensation classifications. With our carrier relationships, we place standard and preferred risks as well as harder-to-place business. Common fits include contractors, healthcare providers, hospitality, light manufacturing, transportation, and retail operations. You might have a client who recently started a business and is struggling to find market capacity, or an established operation that had a lapse in coverage or elevated experience mods. Our program is structured to give those accounts multiple paths to placement. Coverage Highlights and Advantages Access to hundreds of WC class codes Multiple A-rated carrier options to match client needs Wide range of plan structures: guaranteed cost, deductible, loss-sensitive, and captive solutions Ability to handle complex or distressed risks, including mid-term and lapse situations Fast, responsive underwriting and placement support for brokers Underwriting Notes and Submission Requirements To start a submission, include the following: Signed ACORD application Completed supplemental application Loss runs (current year + previous 4 years preferred), valued within 90 days of the effective date Aggregate payroll history to match the loss years Minimum premiums commonly start around $500, but final minimums vary by class code, state, and other risk factors. Underwriting may request additional documentation depending on the account. Territories and Availability Our Workers’ Compensation program is available in all states, including Washington, DC. We can place admitted and non-admitted solutions depending on the client’s state and needs. Why Work With Phoenix Risk Management? Phoenix Risk Management gives independent agents access to broad carrier capacity and flexible plan designs for Workers’ Compensation. We specialize in finding placement strategies for accounts that need more than a single market — from newly formed businesses to higher-mod or distressed risks. Our underwriters move quickly, provide practical underwriting guidance, and coordinate placement across admitted and non-admitted markets. Send submissions to: [email protected] Contact us to discuss a specific account or to learn how our national Workers’ Compensation solutions can help you secure coverage for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We place a wide range of accounts, including contractors, healthcare, retail, light manufacturing, and transportation. We also consider new ventures and businesses with lapsed coverage. Are options available for clients with high experience mods or loss histories?Yes. We offer loss-sensitive plans and have access to carriers that will consider higher-mod or otherwise distressed risks. What is the minimum premium for this program?Minimum premiums commonly start at $500, but they can vary by class code, state, and other risk factors. Do you offer coverage in all states?Yes. Our Workers' Compensation program is available in all 50 states plus Washington, DC, with admitted and non-admitted options as appropriate. What documents are needed to submit a risk?Provide a signed ACORD application, the supplemental application, current loss runs (valued within 90 days), and payroll history that matches the loss years. Need help placing an account? Connect with a market specialist.

Sloan Mason Insurance Services, Inc. specializes in placing challenging and hard-to-place risks, with a strong focus on Product Liability Insurance and General Liability coverage. As a wholesale broker with access to multiple carriers, Sloan Mason offers flexible solutions for manufacturers and distributors whose products or operations fall outside of standard underwriting appetites. Whether your client produces industrial components or consumer goods, Sloan Mason can help tailor a liability policy that addresses complex exposures and risk transfer needs. Ideal Accounts and Appetite Sloan Mason is a strong market for agents and brokers working with niche or higher-risk manufacturers and distributors. They regularly consider accounts involving: Amusement Devices Automobile/Truck Parts (non-critical) Boats and Marine Products Chemicals and Pharmaceuticals Consumer Products and Toys Contractors Equipment and Machinery Fireworks Medical and Diagnostic Equipment Personal Protective Equipment Lawn & Garden Equipment Mining and Railroad Equipment Pesticides and Plastics Printing Presses Sporting Goods (excluding football helmets and trampolines) Trailers, Tanks, and Valves And more You might have a client who manufactures aftermarket marine components or distributes specialty consumer electronics—both examples of accounts Sloan Mason can evaluate. Their underwriters are prepared to review applications with unique exposures that traditional markets may decline. Coverage Highlights and Advantages Sloan Mason’s Product Liability solutions are built for complexity. Key benefits include: Access to multiple carriers, including some admitted markets where available Customized terms, including high deductibles and self-insured retention options Capacity up to $2 million per occurrence Support for emerging product technologies and legacy product exposures Their tailored approach makes them a valuable partner when navigating liability issues tied to manufacturing, importing, or distributing goods with challenging safety, compliance, or usage factors. Underwriting Notes and Minimum Premiums Limits available up to $2 million per occurrence Minimum premium: $15,000 for $1 million limit Minimum deductible: $10,000 Due to the specialized nature of this program, complete application submissions and detailed product information are strongly encouraged to ensure the best possible underwriting outcome. Territories and Availability This Product Liability Insurance program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Sloan Mason supports licensed agents and brokers across 48 states and Washington, D.C. Reach out to confirm specific state availability or to discuss multistate exposures. Why Work With Sloan Mason With years of experience in placing hard-to-place liability risks, Sloan Mason brings deep underwriting knowledge, a responsive service model, and access to multiple markets to help you secure reliable coverage for your manufacturing and distribution clients. Their strength lies in evaluating risks that require a more thoughtful, customized strategy—especially when standard markets say no. Call Sloan Mason today to discuss your Product Liability Insurance opportunities and get expert help navigating this complex line of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers and distributors of products with elevated liability exposures, including amusement devices, consumer goods, medical equipment, and specialty machinery. Are admitted markets available for this coverage?Yes, Sloan Mason has access to both admitted and non-admitted markets, depending on the state and risk profile. What is the minimum premium for this Product Liability program?The minimum premium starts at $15,000 for $1 million in coverage, with higher limits available. Are certain products excluded from coverage?Yes, Sloan Mason does not typically write football helmets or trampolines. All submissions are reviewed on a case-by-case basis. Which states is this program available in?This program is available in most U.S. states, including CA, TX, NY, FL, and many others. Contact Sloan Mason to confirm availability in your client’s state. Need help placing an account? Connect with a market specialist.