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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.

AIC Knows Workers Comp. Accident Insurance Company (AIC) has built its reputation on reliable, responsive Workers’ Compensation coverage. Our Mono-line Workers Compensation Program is the cornerstone of our commercial offering, created for independent agents and brokers who need an efficient, flexible solution for clients. Through our Agent Connect portal you can rate, quote, issue, and service Workers’ Compensation accounts online—delivering one of the most user-friendly workflows in the business. Ideal Accounts and Appetite AIC targets small to mid-size employers across a broad range of industries. The program is designed for accounts with annual premiums typically starting at $1,000, and we consider higher-premium placements on a case-by-case basis. Target classes include: Artisan contractors Retail operations Light manufacturing Hospitality and service businesses Healthcare and clinics We also consider new ventures and are open to underwriting unique or emerging classes when provided appropriate documentation. Example fits: a new plumbing contractor with two employees, or a growing bakery with ten staff—both are the type of accounts our underwriting team is prepared to review under this mono-line Workers’ Compensation appetite. Coverage Highlights and Advantages Mono-line Workers’ Compensation policy—no bundling required Individual account underwriting to tailor solutions New ventures accepted with supporting documentation Multiple flexible payment options Minimum premium guidance: $1,000 for non-contractors, $1,500 for contractors We can consider accounts with larger premiums on referral—talk to underwriting for thresholds Our underwriters work with agents to craft the policy structure that best fits each client’s exposures. Underwriting Notes and Minimum Premiums We underwrite accounts on an individualized basis to remain flexible while practicing sound risk selection. Minimum premiums are: $1,000 for non-contractor classes $1,500 for contractor classes You do not need to place any other line of business with AIC to access this program. Territories and Availability The Mono-line Workers Compensation Program is currently available in the following states: AL, AZ, AR, GA, IL, IN, LA, MS, MO, NV, OK, SC Refer to our State Availability page to confirm eligibility for a specific client location. Why Work With AIC? AIC is a carrier with deep Workers’ Compensation expertise—WC represents a majority of our book of business. We write in multiple states and have grown by offering a streamlined service model that supports independent agents. With Agent Connect you get fast, accurate quoting and a smooth policy lifecycle from submission to renewal. Partnering with AIC means access to an underwriting team that understands the nuances of Workers’ Compensation and is committed to practical, timely decisions. Let us help you place mono-line Workers’ Compensation business efficiently—try AIC today. Frequently Asked Questions What types of accounts are a good fit for AIC’s Mono-line Workers Compensation Program?We target small to mid-size employers across many industries, including contractors, retail, hospitality, healthcare, and light manufacturing. Does AIC accept new business ventures?Yes — new ventures are considered when you provide clear documentation and underwriting information to assess operations and payroll projections. Is this program available nationwide?Not currently. The program is available in AL, AZ, AR, GA, IL, IN, LA, MS, MO, NV, OK, and SC. Availability may expand; check our State Availability page for updates. What is the minimum premium required?Minimum premiums start at $1,000 for non-contractor classes and $1,500 for contractor classes. For mid- to larger-premium accounts, consult underwriting for eligibility and thresholds. Can I write just Workers’ Compensation with AIC?Yes. This is a mono-line program, so you may place Workers’ Compensation without bundling other lines. Need help placing an account? Connect with a market specialist.

... and size! Project Examples: • Asphalt and concrete • Cabinets • Cellular...