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Contractor's Insurance Highlights General & artisan contractors Residential & commercial exposures Low minimum premiums (starting at $500) New residential construction and remodels No limits on tracts or developments Quick turnaround - decisions often within 24 hours Pollution & environmental coverage available Risk Examples (including but not limited to) Alarm installation & service Appliance service & installation Carpentry (interior & exterior) Chimney services Developers (single & multi-lot) Excavation Fence erection Floor covering Framers Home flippers Insulation Janitorial & maintenance Landscape contractors Masonry Remodeling & renovation Roofers Sandblasting Welding Window installers Overview of the Program from Ck Specialty Insurance Ck Specialty Insurance Associates, Inc. is a family-owned, Western-based MGA/wholesaler and surplus lines broker focused on providing market access for independent retail agents across a broad contractor segment. Our Contractors Insurance program offers flexible excess & surplus lines solutions through numerous carrier relationships to help you place accounts that may be challenging for admitted markets. Ideal Accounts and Appetite General contractors and artisan contractors working in residential and commercial sectors. New residential construction, speculative builders, tract developments, and remodelers—including large multi-lot projects where there are no tract limits. Specialty trades such as roofing, framing, excavation, masonry, landscaping, welding, and select pollution-exposure trades (pollution coverage available). Accounts with loss controls in place and clear scope-of-work descriptions. Higher-risk specialties are considered on a case-by-case basis. Coverage Highlights and Advantages Comprehensive general liability and contractor package forms via E&S markets. Pollution/Environmental liability available for qualifying operations. Low entry point with minimum premiums starting at $500—useful for smaller contractors and remodelers. Ability to write large developments without artificial tract limits. Multiple carrier options improve placement flexibility for unusual or higher-risk exposures. Fast underwriting response—some submissions receive decisions within 24 hours. Underwriting Notes and Minimum Premiums As an excess & surplus lines program, underwriting focuses on detailed scope of operations, payroll and revenue splits, subcontractor controls, safety programs, and loss history. Our minimum premium is $500. Provide signed applications, current loss runs (typically 5 years preferred), and a clear description of operations to help expedite review. Territories and Availability This Contractors Insurance program is available through Ck Specialty Insurance as a surplus lines placement across multiple states. Territories include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. Because placements are non-admitted, state filing requirements and taxes apply—confirm requirements with your broker compliance team. Why Work With Ck Specialty Insurance on Contractor Business Western-based, family-run MGA with deep experience placing contractor risks in E&S markets. Direct access to numerous carriers and surplus lines capacity that broaden placement options. Responsive underwriting with emphasis on practical solutions—fast turnarounds for well-prepared submissions. Willingness to consider tracts, developers, and complex jobs that exceed admitted market appetite. Example Account Scenarios You might have a remodeling contractor who flips houses with short project timelines and intermittent payroll—this program can provide a tailored E&S package with pollution options if lead or mold remediation exposures exist. You might place a developer building a new subdivision of multiple homes where no per-tract limits are required—Ck Specialty can access carriers that will underwrite the development as a single program. Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of contractor accounts are the best fit for this program?The program targets general and artisan contractors in residential and commercial work, developers and tract builders, remodelers, and specialty trades like roofing, framing, excavation, and masonry. Accounts with documented loss control, clear operations, and standard subcontractor practices fit well. Is this an admitted program and which states are available?This is placed through excess & surplus (non-admitted) markets. The program is available in the listed states (AK through WY and DC). Agents should confirm state surplus lines filing requirements for each placement. What submission materials speed underwriting?Provide a completed application, the most recent 3–5 years of loss runs, a breakdown of operations and payroll by class, any contracts or subagreements, and details on safety programs. Well-organized submissions help achieve the fastest turnaround. What is the minimum premium and are pollution exposures covered?Minimum premiums start at $500. Pollution/environ­mental coverage is available for qualifying risks—disclose any potential pollution exposures up front so underwriting can evaluate available options. How quickly can I expect a decision?Ck Specialty aims for fast responses; some straightforward submissions receive quotes or decisions within 24 hours. Complex or high-limit accounts may require additional underwriting time. Need help placing an account? Connect with a market specialist.

For over 80 years, Don R. Jensen & Company has been a trusted wholesale broker, helping independent agents place reliable and competitively priced workers’ compensation coverage — including for the high-risk and fast-moving construction industry. Our Construction Industry Workers’ Compensation Insurance program is designed to support agents working with trade contractors and construction businesses of all sizes. We work with a wide array of carriers and can provide coverage starting at just $5,000 in premium, making us a strong option for both new ventures and established accounts. Ideal Accounts and Appetite We consider a broad range of construction-related classes. Whether your client operates in heavy construction or specialty trades, we likely have a market that fits. Our appetite includes, but is not limited to: Carpentry Masonry Excavation Street & Road Work Sewer Construction Metal Erection Drywall/Wallboard Painting Glaziers (Glass Installation) Insulation Work Sign Installation Roofing (Minimum Premium: $15,000) Tree Trimming (Minimum Premium: $10,000) You might have a roofing contractor with seasonal labor or a road construction company with fluctuating payroll. We can help you find the right fit for these and many other construction-oriented risks. Coverage Highlights and Advantages We focus on providing dependable, flexible coverage options through a variety of carriers. Our program helps your clients meet workers’ compensation requirements while managing the unique risks of construction operations, such as job site injuries, subcontractor exposures, and varying crew sizes. Underwriting Requirements and Minimum Premiums Construction accounts start at a minimum premium of $5,000, with higher minimums for higher-risk classes like roofing and tree trimming. To submit a risk, please provide the following: Completed ACORD application 3 years of currently valued loss runs Experience Mod Worksheet Send all submissions to [email protected]. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, and WI. Why Work With Don R. Jensen & Company? With decades of experience in workers’ compensation and deep roots in the construction sector, Don R. Jensen & Company offers access to markets that understand the complexities of labor-intensive operations. Our team works closely with retail agents to deliver responsive underwriting, competitive pricing, and tailored solutions for construction clients. For more details about our coverage options for construction industry workers’ compensation, visit www.drjco.com. Frequently Asked Questions What types of accounts are a good fit for this construction workers’ comp program?This program is ideal for trade contractors and construction businesses such as carpenters, masons, painters, glaziers, and roadwork crews. Higher-risk classes like roofers and tree trimmers are also considered with appropriate minimum premiums. What is the minimum premium required?The general minimum premium is $5,000, though certain higher-risk classes such as roofing ($15,000) and tree trimming ($10,000) have higher minimums. What states is this program available in?This program is available in over 40 states, including CA, TX, FL, NY, IL, GA, and many others across the U.S. What documents are required to submit a risk?Agents should submit a completed ACORD application, 3 years of currently valued loss runs, and an Experience Mod Worksheet. Can you help with accounts that have prior losses or high mods?Yes, we consider accounts with prior losses or higher experience mods on a case-by-case basis. Our broad market access allows us to find solutions for challenging risks. Need help placing an account? Connect with a market specialist.