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

...or industrial, commercial, and agricultural property owners, managers, and dev..., commercial property developers, agricultural operations, and sites with hist...

...: Adoption agencies Agricultural cooperatives Chambers of comme...

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.

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.

...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.

Pollution Legal Liability Program from Bonding and Insurance Specialists Agency, Inc. Bonding and Insurance Specialists Agency, Inc. (BISA) offers a focused Pollution Legal Liability (PLL) program that helps agents and brokers place environmental risk for commercial clients. Whether your client owns, operates, or manages industrial facilities, commercial real estate, or brownfield sites, BISA’s PLL provides flexible protection for cleanup costs, third-party claims, and business interruption arising from pollution incidents. Ideal Accounts and Target Industries This program fits a broad set of insureds where environmental exposures are a concern. BISA has a strong appetite for: Real estate owners, developers, and redevelopments (including brownfields) Manufacturing and industrial operations Food processing facilities Chemical manufacturers and distributors Bulk storage terminals and fuel distribution facilities Recycling operations, transfer stations, and scrap yards Utilities and power generation sites Waste treatment, storage, and disposal locations If you are placing a client acquiring an older industrial site or operating a facility with a history of hazardous material use, this program can address both legacy and future pollution exposures. Coverage Highlights and Advantages BISA’s PLL policy is modular so coverage can be tailored to the insured’s exposures. Key parts include: Pre-retroactive pollution events: Coverage for cleanup, bodily injury, and property damage from pollution that began before the policy’s retroactive date (subject to underwriting). Post-retroactive pollution events: Coverage for events that commence after the retroactive date. Business interruption: Loss of income and extra expense resulting from a covered pollution event. Non-owned locations: Protection for pollution conditions at sites the insured does not own but that are impacted by the insured’s operations. Additional advantages: Coverage for both sudden and gradual pollution releases On-site and off-site cleanup cost protection Multi-year policy terms available for long-running projects or acquisitions Limits available up to $25 million Customizable coverage structures to match transaction or operational needs Underwriting Notes and Market Position This is a non-admitted program underwritten through A.M. Best “A” rated carriers, giving BISA flexibility in form and terms. Underwriters review site-specific factors such as historical operations, existing environmental assessments, current operations, storage and handling practices, and remediation history when structuring terms. BISA works closely with agents to assess exposures and design appropriate limits, retroactive dates, and coverage parts. Typical Appetite and Common Restrictions BISA generally prefers accounts with documented environmental assessments and manageable historical issues. High-severity, actively uncontrolled contamination, long-term mass contamination without remediation plans, or sites subject to ongoing enforcement actions may face additional underwriting scrutiny or require risk mitigation before terms can be offered. Example Account Scenarios You might have a client purchasing a former manufacturing site with Phase I/II reports completed; BISA can structure a multi-year PLL to address identified historical soil and groundwater issues. You may represent a mid-sized food processor with on-site fuel storage and waste handling; the PLL can provide on- and off-site cleanup coverage and business interruption protection in the event of a release. Territories and Availability The PLL program is available through BISA in most U.S. states, including major markets such as CA, TX, NY, FL, IL, PA, OH, GA, and WA. BISA provides access in 49 states plus the District of Columbia; contact BISA for state-specific availability and any jurisdictional exceptions. Why Work With Bonding and Insurance Specialists Agency, Inc.? BISA combines focused environmental underwriting expertise with strong carrier relationships to deliver tailored PLL solutions. As a non-admitted program placed through A.M. Best “A” rated markets, BISA offers flexibility in policy form and structure, experienced risk evaluation, and responsive service to help you place complex environmental accounts more efficiently. Frequently Asked Questions What types of accounts are a good fit for this Pollution Legal Liability program? We target a wide range of industries including real estate developers, manufacturers, recycling facilities, and chemical storage terminals. Any client with environmental exposure at owned or non-owned locations may be a good fit. Can this policy cover past pollution events? Yes. The policy can include coverage for pollution events that commenced before the retroactive date, subject to underwriting review and documented site conditions. Are multi-year policies available? Yes. Multi-year terms are available and can be useful for long-term remediation projects or acquisition-related coverage. What limits are available through this program? Limits are available up to $25 million, depending on the risk profile and underwriting assessment. Is this program available nationwide? This program is available in most U.S. states, with coverage offered in 49 states plus the District of Columbia. Contact us for state-specific availability and any exceptions. Need help placing an account? Connect with a market specialist.

...rcial applicators, large-scale agricultural operations, or accounts with signi...

From single-family homes to large commercial structures and critical infrastructure, demolition contractors perform inherently high-risk work that requires specialized insurance solutions. Whether your client is clearing sites for new construction, removing hazardous materials, or assisting with disaster recovery, these operations create exposures many standard markets will not accept. Novatae Risk Group provides access to tailored Workers' Compensation for demolition contractors who are difficult to place in the standard market. Through our Non-Standard Worker Comp Insurance for Demolition Contractors program, Novatae combines flexible placement options, pragmatic underwriting, and proactive claims and loss-control support. We focus on accounts that fall outside traditional carrier appetites—offering practical, market-aware solutions built from decades of experience serving the construction trades. Ideal Accounts and Appetite Demolition contractors with high-risk operations, difficult class codes, or multi-trade exposures Accounts with Experience Mods (X-Mods) between 1.30 and 3.00 Producers needing alternatives for clients non-renewed or cancelled for loss history or exposure Businesses in state-assigned risk pools or declined by standard markets Insureds with no prior coverage, recent lapses, or adverse underwriting histories Operations with manual rates roughly in the $8–$50+ range and other complex risk profiles Example: You might have a demolition contractor recently dropped by a standard carrier after a surge in claims, or a new multi-state startup with no loss history. Those are the types of accounts Novatae underwrites through this program. Program Features and Advantages Pay-As-You-Go premium structure with no premium deposit required No audits—streamlined administration reduces administrative burden Improved cash flow and predictable billing options for insureds Full payroll services including tax remittance, 941s, W-2s, and payroll compliance support Optional in-house payroll check cutting Flexible placement via PEO, ASO, or non-PEO solutions depending on account needs Comprehensive HR services: COBRA, wage garnishment, and unemployment claims handling Dedicated loss control, active risk management consulting, and fair claims handling High-retention program—coverage stays in force until cancelled Underwriting Notes and Minimum Premiums We underwrite each account to identify the most appropriate market and placement structure. Minimum premiums vary by state and by carrier; underwriting will reflect the insured’s class codes, payroll, loss history and exposure profile. Typical submission requirements follow. Submission Requirements ACORD 130 application Supplemental form describing class of work (available on our website) Three years of loss history (loss runs) Loss History Affidavit for accounts with no prior coverage or a lapse Explanation for any claim over $20,000 Current Experience Mod sheet Not a Fit for This Program Accounts readily eligible for the standard market Policyholders shopping only for lower rates without a true placement need Low X-Mod accounts with strong loss histories that standard carriers will accept Risks that do not match the eligibility criteria above Markets and Availability This non-standard Workers' Compensation program is available in most U.S. states. It is not available in North Dakota, Ohio, Washington, or Wyoming. Market access and minimum premiums vary by state and by carrier selection; Novatae leverages a broad panel of admitted and E&S carriers to place eligible accounts. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines broker with more than 30 years of experience, Novatae Risk Group specializes in tough-to-place contractors’ Workers' Compensation. Agents gain access to experienced underwriters, multiple placement structures (PEO, ASO, non-PEO), and dedicated service for payroll, HR, loss control, and claims management—helping you keep challenging accounts insured and compliant. Need a Non-Standard Workers' Comp quote for a demolition contractor? Send an email to [email protected] with your submission or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for demolition contractors with high-risk operations, elevated X-Mods, prior cancellations, or no prior coverage—especially those declined by the standard market. Can this program help clients in assigned risk pools?Yes. The program is designed to provide an alternative to state funds or assigned risk pools for eligible demolition contractors. What underwriting documents are required for a quote?You’ll need an ACORD 130, the class-specific supplemental form, three years of loss runs, a loss affidavit if there’s no prior coverage, explanations for claims over $20K, and the current Experience Mod. Is this a PEO program only?No. While PEO placement is available, Novatae also offers ASO and non-PEO options depending on the client’s eligibility and needs. In which states is this program available?The program is available in most U.S. states, excluding North Dakota, Ohio, Washington, and Wyoming. Market availability may vary by state. Need help placing an account? Connect with a market specialist.