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Workers Compensation Insurance for manufacturing operations can be especially complex. Electrical equipment manufacturers face unique risks tied to specialized processes, energized work, assembly and testing activities, and potentially costly claims. Novatae Risk Group offers a tailored Electrical Equipment Manufacturer Workers Compensation Insurance program developed in partnership with Empire to address those industry challenges and give agents a reliable market for these accounts. Whether you are moving an existing client to a new carrier or targeting new manufacturing business, Novatae’s program provides a focused option for electrical equipment manufacturers. Our underwriting team and brokers will evaluate accounts for fit within the program’s appetite and structure — helping you place business efficiently. Please contact us at 800-758-8113 to speak with our experienced brokers about your Electrical Equipment Manufacturer Workers Compensation Insurance accounts. Ideal Accounts and Appetite Manufacturers of electrical components and devices Operations involving assembly, fabrication, and testing of electrical equipment Accounts with documented safety programs and moderate-to-good loss histories Typical fits include clients that manufacture circuit boards, transformers, control panels, switchgear, or related electrical assemblies. We will consider accounts with a history of larger losses when accompanied by loss explanations, remediation plans, and strong safety documentation. Example scenarios agents commonly place through this program: A mid-sized control panel fabricator with a formal safety program, lockout/tagout procedures, and three years of stable loss runs. A contract electronics assembler that conducts final testing and calibration on finished boards, with documented training and low frequency of claims. Program Features Only $7,500 Minimum Premium Program Highlights 10% commission for appointed agents Fast quote turnaround with completed submissions Access to multiple markets through Novatae’s carrier relationships Coverage available in over 20 states Submission Requirements ACORD 130 application Three years of currently valued loss runs Completed supplemental questionnaire Details on any large or unusual losses States and Availability Coverage is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV. Admitted and non-admitted options are available depending on the market and state. Why Work With Novatae Risk Group Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in niche and hard-to-place manufacturing risks. We combine underwriter responsiveness, targeted appetite, and broad carrier access to help you close more workers compensation placements for electrical equipment manufacturers. Our team can guide submission requirements, advise on loss control documentation, and move accounts quickly when fit is confirmed. Do you need a Workers Compensation Insurance Quote for your Electrical Equipment Manufacturer? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers of electrical components, control systems, panels, and other electrical equipment with stable operations and a moderate-to-good loss history. What is the minimum premium for this Workers Compensation program?The minimum premium starts at $7,500, making the program suitable for mid-sized operations and larger manufacturers. Which states is this program available in?This program is available in over 20 states, including CA, TX, FL, NY, and IL, among others listed above. What documents are needed to submit an account?Submissions should include an ACORD 130, three years of currently valued loss runs, a completed supplemental questionnaire, and details on any large or unusual losses. How quickly can I expect a quote?Quotes are typically provided quickly once a complete submission is received, thanks to Novatae’s efficient underwriting team. Need help placing an account? Connect with a market specialist.

Overview — Legends Environmental Services: Environmental Contractors Insurance Legends Environmental Services offers targeted Environmental Contractors Insurance programs designed for brokers placing remediation, abatement, spill response, and other pollution-exposure contractors. Our products are tailored to the unique risks environmental service firms face, helping you place complex accounts with confidence through flexible, non-admitted solutions. Core Programs We provide three focused program options so you can match coverage to the insured’s operations: Remediation Contractors Coverage – For firms performing soil and groundwater cleanup, site restoration, and related remediation work. Asbestos and Lead Abatement Liability – Designed for contractors who remove or remediate asbestos, lead paint, and similar hazardous materials. Monoline Contractors Pollution Liability – Standalone pollution liability for environmental and non-environmental contractors requiring only pollution protection. Optional add-ons include contractor bonds, supplemental auto liability, and contractor equipment liability so you can assemble a complete package that fits a client’s operations and contractual obligations. Ideal Classes of Business: Asbestos & lead abatement contractors Tank and pipe cleaning services Medical and infectious waste handlers Indoor air quality specialists Drilling contractors (UST/AST) PCB cleanup contractors Emergency spill response teams Wetlands restoration and construction Soil and liquid waste remediation firms Hazardous material packing & transport Other specialized environmental trades Coverage Highlights: Flexible liability forms: occurrence and claims-made available depending on the account and carrier. Monoline or package structures to match contractor needs and contractual exposures. Pollution liability tailored to environmental exposures typical of remediation, abatement, and emergency response work. Supplemental options for auto liability, equipment, and contractor bonds to reduce coverage gaps. Underwriting & Minimum Premiums: Programs are placed on a non-admitted basis through a panel of specialty carriers. Minimum premiums begin at $4,000, with final pricing dependent on scope of operations, limits, and loss history. Legends works closely with brokers to evaluate exposures and present competitive options for accounts that are difficult to place in standard markets. Availability: This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, and PA. Legends Environmental Services currently offers coverage in 49 states and Washington, DC. Please confirm availability for a specific client state when submitting. Why Work With Legends Environmental Services? Legends combines niche environmental underwriting expertise with access to multiple specialty markets. As both a general agency and market partner, we streamline placement for environmental contractors—especially accounts with higher hazard profiles or unusual operations. Brokers benefit from experienced intake, pragmatic underwriting, and options to assemble monoline or package placements under one program. Example Accounts That Fit You have a regional remediation contractor who performs groundwater treatment and soil excavation for industrial sites. They need pollution liability plus equipment coverage and contractual liability for owner-mandated limits—this program can assemble those pieces. You represent a small abatement firm that performs asbestos and lead removal for renovation projects. They require abatement liability and supplemental auto coverage; Legends’ abatement product lines are designed for this profile. If you have a contractor client involved in hazardous material handling, spill response, or site remediation and need pollution liability that addresses complex exposures, Legends has the underwriting expertise and market access to help you secure appropriate coverage. To discuss a submission, call 714-955-1560. Frequently Asked Questions What types of accounts are a good fit for this program? We specialize in environmental contractors such as asbestos and lead abatement firms, remediation contractors, emergency response teams, and hazardous waste handlers. Is this program available on an admitted basis? No. Coverage under these programs is written on a non-admitted basis through a variety of specialty carriers. What is the minimum premium for this program? Minimum premiums start at $4,000, though final pricing depends on operations, limits, and loss history. Can I package pollution liability with other coverages? Yes. Legends offers both monoline pollution liability and package options, plus supplemental auto liability and equipment coverage to create broader protection. Which states is this program available in? Coverage is offered in 49 states and Washington, DC. Contact us to confirm specific state availability for your client. Need help placing an account? Connect with a market specialist.

Comprehensive Stock Throughput Insurance from LIG Marine Managers LIG Marine Managers, Inc. offers a robust Stock Throughput Insurance program designed for manufacturers and distributors that require seamless protection across all stages of the supply chain. This policy integrates Ocean Cargo, Inland Transit (road, rail, air), and warehouse or manufacturing location coverage—providing end-to-end insurance for goods in transit and at rest, anywhere in the world. Ideal Accounts and Target Industries This program is ideal for companies with complex logistics and international exposure, such as: Manufacturers who ship components to overseas facilities for processing or assembly Businesses utilizing third-party warehouses or distribution centers Retailers with global supply chains and multiple storage or transit points You might have a client who sources raw materials in Asia, assembles products in Mexico, and distributes them across North America. This program can offer continuous coverage from the point of origin, through each transit and storage phase, to final delivery. Coverage Highlights LIG Marine Managers' Stock Throughput program includes a wide range of critical coverages under one policy: Ocean Cargo and Inland Transit – Covers goods in motion via sea, road, rail, or air Warehouse and Location Coverage – Protects goods stored at owned or third-party facilities General Liability Hull and Machinery Products Liability Builders Risk Clauses Protection & Indemnity – Including sea trials, demonstrations, and delivery if required With limits available up to $25,000,000, this program is structured to meet the needs of mid to large-scale operations with complex logistics and high-value goods. Underwriting and Minimum Premiums The minimum premium starts at $25,000, including Products Liability. This reflects the comprehensive nature of the policy and the tailored underwriting approach LIG Marine Managers brings to each account. Submissions should include full transit details, storage locations, and values to ensure accurate quoting. Available Markets and Territories LIG Marine Managers writes this program through a variety of carriers across both admitted and non-admitted markets, depending on the risk. Coverage is available in all 50 states and Washington D.C., including surplus lines placements where necessary. Why Work With LIG Marine Managers? As a Managing General Agency and Excess & Surplus Lines Broker specializing in marine and logistics-related risks, LIG Marine Managers brings decades of expertise to complex supply chain exposures. Their underwriting team understands the nuances of international transit, multimodal shipping, and storage risk—making them a strategic partner for agents handling sophisticated accounts. Please contact us today for more information on our Stock Throughput program! Frequently Asked Questions What types of accounts are a good fit for this Stock Throughput program?Ideal accounts include manufacturers, importers, exporters, and retailers with international or multi-stage supply chains that involve both transit and storage. Does this program cover goods stored at third-party warehouses?Yes, the policy includes location coverage for goods stored at owned or third-party facilities worldwide. What is the minimum premium for this program?The minimum premium is $25,000, which includes Products Liability coverage. Is this program available nationwide?Yes, this program is available in all 50 states and Washington D.C., through a mix of admitted and non-admitted markets. What information is needed to get a quote?Agents should provide details on the transit routes, storage locations, values of goods, and the insured’s operations to receive an accurate quote. Need help placing an account? Connect with a market specialist.

Citadel Insurance Services’ Oil and Gas Contractors Insurance Program is built for agents who place energy-related contractors and service providers. Whether your client performs exploratory drilling, well servicing, equipment hauling, or pipeline work, we provide tailored placement options and access to admitted and non-admitted markets. Our underwriting team understands operational exposures common to upstream and midstream contractors and moves quickly to match each risk with the right carrier, coverage form, and pricing so you can keep your client moving. Ideal Accounts and Appetite We write a broad range of oil and gas contractors and service providers, with a focus on clean, well-documented operations. Typical target classes include: Well Servicing and Work-over Contractors Drilling Operations Oilfield Equipment Rental and Repair Pipeline Contractors Water and Oilfield Equipment Haulers Roustabout Contractors Wireline Contractors Swabbing Contractors Instrument Logging ...and other upstream and midstream service providers Example: You might have a client who operates a small fleet of trucks delivering water to drilling sites—this is a class we routinely place. Another common fit is a mid-sized workover contractor with leased rigs and experienced crews who needs a complete package of liability, auto, and inland marine coverage. Coverage Highlights and Advantages We assemble competitive, complete packages that address both routine and specialty exposures. Program features include: Admitted coverage available on most classes; non-admitted capacity where needed Non-auditable options for qualifying classes General Liability, Commercial Auto, Excess Liability, Inland Marine, Property, and Workers' Compensation Contractors Pollution Liability and Sudden & Accidental coverage UGRE (Underground Resources and Equipment) coverage Blanket Additional Insured, Waiver of Subrogation, and Primary & Non-Contributory wording Access to strong carriers including Arch, Starr, AIG, Zurich, Markel, and Kinsale Our goal is to help you build a cohesive program that covers operational, transportation, and pollution risks—so insureds aren’t left with gaps between policies. Underwriting Notes and Minimum Premiums We evaluate each submission on its individual merits. Minimum premium typically starts at $7,500, with flexibility by class, state, and coverage needs. Clean, complete submissions (current loss runs, ACORD apps, detailed operations descriptions, and vehicle schedules) help our team respond faster and improve placement outcomes. Territories and Availability This program is available across the country in all 50 states and Washington, D.C. Admitted options exist for most classes; where admitted paper is not available or competitive, we place non-admitted solutions through our carrier relationships. Why Work With Citadel Insurance Services? As a wholesale broker with deep experience in energy-related risks, Citadel Insurance Services pairs market access with hands-on underwriting support. We focus on responsiveness, thoughtful risk placement, and leveraging established carrier relationships to secure the coverage your clients need. Work with our specialists to navigate complex submissions, assemble competitive quotations, and close placements efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on oil and gas contractors including well servicing, drilling, pipeline construction, equipment haulers, and more. Both small and mid-sized operations are welcome. Is admitted coverage available?Yes, admitted coverage is available for most classes within the program, depending on the state and risk profile. What is the minimum premium for this program?The minimum premium starts at $7,500, though it may vary based on class, location, and coverage selected. Which states is this program available in?The program is available in all 50 states and Washington, D.C. What carriers are used in this program?We work with top-rated carriers including Arch, Starr, AIG, Zurich, Markel, and Kinsale to match risks to the right market. Need help placing an account? Connect with a market specialist.

...nd Appetite Manufacturers and assemblers of hospital-grade medical devices, ...

General Wholesale Insurance Empire Brokerage Services, LLC is a wholesale brokerage partner focused on placing complex or non-standard commercial risks through our General Wholesale Insurance program. Built for independent agents and brokers, this program provides access to multiple specialty markets and surplus lines capacity for accounts that require tailored underwriting, flexible terms, and creative placement solutions. Ideal Accounts and Appetite Our General Wholesale Insurance program is designed for mid-sized to larger commercial accounts with premium budgets typically between $10,000 and $100,000 or more. We handle both standard and hard-to-place risks — particularly accounts that struggle to fit admitted carrier guidelines. Most business is placed non-admitted to allow broader coverage options and competitive pricing for uncommon exposures. Target classes include: Product and component manufacturers General contractors and artisan trades Wholesale distribution, warehousing and storage Commercial and habitational real estate owners Vacant buildings and properties Retail and service operations Example scenarios you might place through this program: A regional wholesaler with multi-state warehousing and transportation exposures that require a customized commercial package and products liability extensions. A contractor who owns mixed-use property with higher liability and property limits that an admitted market will not underwrite without significant endorsements. Coverage Highlights and Advantages Empire Brokerage’s General Wholesale Insurance program offers a broad suite of commercial coverages so you can assemble the solution your client needs. Available coverages include: Monoline Property and Commercial General Liability, including Products Liability Commercial Package Policies (CPP) Commercial Auto Umbrella and Excess Liability Workers’ Compensation These options let you structure layered liability limits, multi-location property schedules, and endorsements for niche exposures. Writing non-admitted when appropriate lets underwriters tailor terms for risks outside standard appetite. Underwriting Notes and Minimum Premiums Underwriting focuses on complex risks, exposures with higher limits, unique operations, or accounts with prior coverage gaps. We work with you to assemble the required submission data and find the market that matches the account’s nuances. Minimum premiums typically start at $1,000, with many placements falling in the $10,000–$100,000+ range depending on industry, limits, and loss history. Provide complete loss runs, detailed operations descriptions, and current risk controls to accelerate placement. Territories and Availability Our General Wholesale Insurance program is available to agents and brokers in the following states: Connecticut (CT) Florida (FL) Georgia (GA) Indiana (IN) Maine (ME) New Jersey (NJ) New York (NY) Pennsylvania (PA) Rhode Island (RI) Because most capacity is placed on a non-admitted basis, we can offer broader terms where admitted options are limited or unavailable. Availability and specific coverage features may vary by state and carrier market. Why Work With Empire Brokerage Services, LLC? Empire Brokerage brings deep wholesale market access and experienced underwriting to help you place accounts that fall outside standard market appetites. Our strengths include: Access to multiple specialty and surplus markets that underwrite complex commercial exposures. Hands-on underwriting support to structure submissions and negotiate terms. Responsive service aimed at getting difficult risks placed promptly so you can grow your book of business. When you partner with Empire Brokerage Services, LLC, you gain a market-savvy wholesale broker focused on practical solutions for contractors, manufacturers, wholesalers, property owners, and other mid- to large-sized commercial risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mid-sized to large commercial risks, including manufacturers, contractors, wholesalers, real estate owners, and vacant properties that may not qualify for standard markets. Are these policies written on an admitted or non-admitted basis?Most policies in this program are written on a non-admitted basis, which allows for more flexibility in underwriting and coverage terms. What is the minimum premium for coverage?Minimum premiums typically start at $1,000, with most accounts ranging from $10,000 to $100,000 or more depending on the risk. Which states is this program available in?The program is available in CT, FL, GA, IN, ME, NJ, NY, PA, and RI. What kind of support can I expect from Empire Brokerage Services?You can expect responsive service, expert underwriting guidance, and access to multiple markets that specialize in complex or non-standard risks. Need help placing an account? Connect with a market specialist.

RPS NIPC offers a tailored Church and Religious Institutions Insurance program that helps agents place coverage for houses of worship and affiliated ministries. The program is designed for churches, synagogues, temples and other religious organizations — including parochial schools, daycares, cemeteries and community social-service programs operated by faith-based organizations. Coverage is available through A.M. Best rated "A" carriers and is distributed by RPS NIPC as a program administrator. Overview of the program from RPS NIPC This program bundles core liability and property protections with specialized coverages that houses of worship commonly need. You can assemble broad packages that include general liability, pastoral counseling/service liability, abuse coverage, management liability (D&O with EPLI), property/inland marine, crime, auto liability (owned, hired & non-owned), excess liability and workers' compensation. Cyber liability is available as part of the package in eligible states (not offered as a standalone cyber policy). Ideal accounts and appetite Small to mid-size congregations and single-site houses of worship Religious schools, daycare programs and community outreach ministries Cemeteries and funeral-related operations affiliated with a religious organization Organizations that perform pastoral counseling, volunteer programs, and other ministry services Accounts with clear governance, documented volunteer and staff screening procedures, and standard risk management (e.g., child protection policies, facility safety checks) generally fit well. Larger, nationwide ministries or accounts with extensive commercial operations should be submitted for review — appetite may vary by carrier. Coverage highlights and advantages Pastoral counseling and service liability forms tailored for faith-based exposures. Physical and sexual abuse coverage included as an option to address the most sensitive exposures. Management liability (D&O) with employment practices liability (EPLI) to protect boards and leadership. Property and inland marine for church-owned buildings, contents, and specialty items (e.g., musical instruments). Crime and fidelity coverage designed for donations, collections and volunteer-handled funds. Auto liability for parish vans and other owned, hired or non-owned vehicles. Access to excess liability and workers’ compensation through admitted paper where available. Underwriting notes and minimum premiums Minimum premium: varies by state and carrier. Typical submissions should include a completed application, current loss runs (usually 3–5 years), descriptions of programs and services (including youth programs), payroll and volunteer counts, and copies of key policies (child protection, volunteer screening, facility use agreements). Underwriting will evaluate exposures such as daycare operations, boarding, camps, large public events and cemetery operations. If an account has prior abuse-related losses, large liquor exposures, or extensive commercial rental operations, expect additional underwriting review. Territories and availability Admitted status: All Available States. Available in: 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, WY. Coverage features and availability vary by state and by carrier — contact RPS NIPC underwriting for specific state questions. Why work with RPS NIPC on this business Program administrator with focused underwriting for faith-based risks and related social services. Access to A.M. Best "A" carriers and admitted paper in the states listed. Specialized forms for pastoral liability, abuse exposures and management liability — reducing form gaps common with standard commercial packages. Practical placement options: package pricing, excess layers and workers’ compensation to create a comprehensive solution for a house of worship and its ministries. Example accounts You have a mid-size, single-site church that runs a preschool and several youth programs — this program can place GL, property, abuse coverage, D&O/EPLI and auto liability for church vans in a single package. A synagogue operating a cemetery and community outreach meals program — you can assemble property, cemetery service liability, crime coverage for collections, and excess limits through the program’s markets. For more information on our Church and Religious Institutions Insurance and other RPS NIPC Specialty Programs, please visit our website. Frequently Asked Questions What types of religious organizations are a good fit for this program?RPS NIPC’s program is best for small to mid-size churches, synagogues, temples and affiliated ministries such as parochial schools, daycare programs, cemeteries and community outreach services. Larger or more complex national ministries should be submitted for review. Is sexual/physical abuse coverage included?Physical and sexual abuse coverage is available as part of the program. Because abuse exposures are sensitive, underwriters will review policies, volunteer screening and incident history during submission. Can I include cyber liability for a house of worship?Cyber liability can be added as part of the package in eligible states, but it is not offered as a standalone cyber policy. Availability and limits vary by state and carrier. What submission materials does underwriting typically request?Common requirements include a completed application, recent loss runs, descriptions of programs/services (especially youth programs), payroll and volunteer counts, and copies of relevant risk management policies (e.g., child protection, facility use rules). Who underwrites and places the business?RPS NIPC acts as the program administrator working with A.M. Best rated "A" carriers to underwrite and place admitted coverage in the states listed. Contact RPS NIPC underwriting for specific appetite, terms and state availability. Need help placing an account? Connect with a market specialist.

Dependable Workers' Compensation for Manufacturing Risks Since launching in 2008, SeaBright Insurance Company and Matias Underwriters have provided reliable, industry-focused workers' compensation coverage for manufacturing operations. Our underwriters evaluate each account on its specific exposures, safety controls and loss history to deliver tailored eligibility decisions and competitive pricing. This program is built for agents who need responsive service, disciplined underwriting, and admitted solutions across the program territory. Ideal Accounts and Target Classes SeaBright’s manufacturing workers' compensation program has broad appetite across light- to moderate-risk manufacturing. We write accounts from smaller shops to larger, more complex operations. Target classes include: Bakeries Boot/Shoe Manufacturing Breweries, Distilleries, and Bottlers Box, Paper Goods, and Packaging Manufacturers Brass, Copper, and Sheet Metal Products Electronics and Electrical Apparatus Manufacturing Food Processing and Canneries Furniture and Mattress Manufacturing Glass, Pottery, and Plastics Manufacturing Machine Shops and Tool Makers Pharmaceuticals, Surgical Goods, and Paint Manufacturing Textile Manufacturers and Tailors Publishers and Printers Jewelry, Leather Goods, and Luggage Manufacturing For specialty or niche manufacturing segments, our underwriting team is available to review unique operations and help you place business with confidence. Coverage Highlights and Advantages SeaBright’s workers' compensation program is structured to address common manufacturing exposures while providing straightforward service to producers. Key advantages: Underwriting expertise focused on manufacturing risks Customized underwriting that looks at operations, controls and loss trends Flexible, responsive service from experienced underwriters Strong claims handling and industry-specific claims support Underwriting Notes and Minimum Premium We consider accounts of varied sizes; the program’s minimum premium is $25,000. Underwriting decisions reflect the operation’s scale, safety program, loss history and industry exposures. Typical characteristics of a good fit include stable operations, documented safety protocols, and manageable loss experience. Accounts with frequent, severe losses or unusually hazardous operations may not qualify. Example fits: You might have a regional bakery with centralized safety procedures and a clean loss record seeking admitted coverage across multiple states — this program can be competitive. A mid-sized electronics assembler with formal return-to-work and safety programs could also be a solid fit for SeaBright’s manufacturing appetite. Territories and Availability This program is available in the following states: CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. SeaBright offers admitted coverage in all available territories. Why Work With SeaBright and Matias SeaBright Insurance Company specializes in workers' compensation for niche industries that require focused underwriting and claims expertise. Rated A- IX (Excellent) by A.M. Best*, SeaBright combines financial strength with underwriting discipline. Matias Underwriters is a dedicated commercial brokerage and program administrator with deep experience placing manufacturing accounts. Our team prioritizes quick responses, clear communication, and practical solutions that help you close business efficiently. Contact us today to learn how SeaBright and Matias can support your manufacturing clients: Glenn Matias · Phone: 781.710.8022 · Email: [email protected] Send your submissions to [email protected] *A.M. Best ratings range from “A++” (Superior) to “F” (In Liquidation). Ratings from “A++” to “B+” are generally considered “Secure.” Frequently Asked Questions What types of accounts are a good fit for this program?The program is best for manufacturers with stable operations, documented safety programs, and reasonable loss histories. We target a broad set of manufacturing classes including food processing, electronics, machine shops, and light assembly. What is the minimum premium for submissions?The minimum premium for this program is $25,000. We will consider accounts of different sizes provided they meet underwriting guidelines. In which states is this program available?The program is available in CT, DE, FL, GA, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NC, OK, RI, TN, TX, VT, VA, DC, and WI. Does SeaBright offer admitted coverage?Yes. SeaBright provides admitted workers' compensation coverage in all program states listed above. Who should I contact for quotes or questions?Contact Glenn Matias at 781.710.8022 or [email protected]. Send submissions to [email protected]. Need help placing an account? Connect with a market specialist.

McGowan Excess & Casualty General Contractors Umbrella Insurance Overview The McGowan Companies offers General Contractors Umbrella Insurance through its McGowan Excess & Casualty program to help agents place excess/umbrella capacity for commercial general contractors. This program provides standalone commercial umbrella liability and follow-form excess liability, with lead umbrella limits starting at $1 million and capacity available up to $100 million. Coverage is underwritten by a variety of carriers and is available in most states. Ideal Accounts and Appetite This program targets commercial general contractors and GC operations for mid-size to large projects. Typical classes we can consider include: Office buildings Schools and educational facilities Post offices and government facilities Nursing homes and assisted care facilities Shopping centers and retail developments Accounts with established loss control practices, disciplined subcontractor management, and lead umbrella placements from admitted or non-admitted carriers are preferred. Heavy civil, mining, oil & gas well sites, and specialty subcontractor-only operations are generally outside the appetite unless specifically negotiated. Coverage Highlights Products: Commercial Umbrella Liability and Follow-Form Excess Liability. Umbrella Limits: Lead umbrella placements from $1M (capacity available up to $100M). Excess Layers: Ability to write excess layers over lead umbrellas from $1M to $100M. Required Underlying Rating: A- / VII (exceptions may be made for employers’ liability carriers where appropriate). Carriers: Varies by submission—The McGowan Companies places with multiple facultative and treaty markets to secure capacity. Underwriting Notes Underwriters review account-level exposures such as payroll and contract values by operation, subcontractor usage, safety programs, and loss history. Typical information that speeds placement includes current primary and umbrella policies, five years of loss runs, a description of current operations and project types, and contractor payroll or project values by trade. The program can place follow-form excess layers over existing lead umbrellas subject to carrier approval. Territories and Admitted Status Availability: Most Available States. The program is available in the following jurisdictions: 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, WY. Some placements may be admitted or non-admitted depending on the carrier and state rules; please consult underwriting on a per-submission basis. Example Accounts You have a regional general contractor building a new office campus with a $10M project value and a $1M lead umbrella—this program can provide follow-form excess layers up to higher limits to align with contract requirements. You represent a developer GC for multiple school renovation projects seeking $5M–$20M aggregate umbrella capacity where consolidated excess placement and coordinated terms reduce gaps in coverage. Why Place This Business With The McGowan Companies Managing general underwriter with a construction-focused excess and casualty practice. Access to multiple carriers and the ability to assemble layered capacity up to $100M. Flexible placement—standalone umbrella or follow-form excess options to match primary program structure. Underwriting experience in commercial GC classes and willingness to consider reasonable exceptions for underlying employers’ liability carriers. Submission Tips To expedite evaluation, include complete primary and umbrella policy forms, five years of loss runs, description of operations by trade, payroll and contract values, and any risk control/safety documentation. If seeking excess layers over an existing lead umbrella, provide the lead umbrella policy and information on the lead carrier. Frequently Asked Questions What types of general contractors are a good fit for this program?Commercial general contractors working on office buildings, schools, nursing homes, post offices, shopping centers and similar projects are the primary targets. Accounts with formal safety programs, controlled subcontractor use, and stable loss history fit best. What limits and layering options are available?Lead umbrella limits start at $1M with capacity available up to $100M. The program can also write excess layers over existing lead umbrellas ranging from $1M to $100M, subject to underwriting and carrier approval. Are there minimum underlying carrier requirements?Yes. The typical required underlying rating is A- / VII. Underwriters may consider exceptions for employers’ liability carriers on a case-by-case basis—discuss exceptions with McGowan Excess & Casualty underwriters at submission. Which states is this program available in?The program is available in most states (see the list on the program page). Admitted vs. non-admitted placement depends on the carrier selected and state regulations; confirm availability with underwriting for the specific jurisdiction. Need help placing an account? Connect with a market specialist.