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...liability from misapplication of chemicals, such as spraying the wrong field, using incorrect chemicals or mixes, and improper delivery met...

...ved in the aerial application of chemicals, fertilizers, and other agricultura...op, and jet-powered units used in agricultural aviation. Are chemical drift or...

...built for the diverse needs of agricultural operations across the United State...rogram?We target a broad range of agricultural businesses including crop farms...

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

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.

...commonly place: Agricultural Contracting Hospit... light manufacturing, processing, agricultural, and lessors’ risk. What submis...

Workers Compensation Insurance for paving contractors is often costly because the work is high-risk. Crews face hazards such as burns from hot asphalt, chemical and fume exposure, respiratory irritation from smoke, and physical injuries like back strains, sprains, or hernias from lifting and equipment operation. Even well-managed paving businesses can have severe or frequent claims, so placing the right workers’ comp program is essential to protect your clients and control long-term costs. Novatae Risk Group, in partnership with Empire Underwriters, leverages more than 30 years of experience helping agents and brokers place tailored Workers Compensation solutions for paving contractors. We combine underwriting expertise for high-hazard classes with access to multiple carrier options so you can find terms for accounts that are difficult to place in standard markets. Ideal Accounts and Appetite: Experience MOD of 1.30 or higher High-hazard or difficult class codes (paving, asphalt, surface prep) Blue-, gray-, and white-collar workforces Accounts currently in state pools or assigned risk funds Distressed, lapsed, or canceled policies New ventures with no prior coverage Multi-state operations and accounts with out-of-state exposures Hard-to-place workers compensation risks requiring specialty markets This program is built for accounts other carriers may decline or price aggressively — including contractors with prior claims, complex payroll mixes, or multi-jurisdictional exposures. If you have an insured that has been assigned to a state fund, is new to the trade, or has an elevated MOD, this program is designed to provide practical placement options. Coverage Highlights and Advantages: Fast turnaround on submissions to keep placement timelines tight Access to many "A" rated carriers and surplus markets (varies by state) Stand-alone workers compensation policies and integrated work comp solutions Guaranteed cost programs as well as dividend and retrospective (retro) plans High-deductible and large-loss financing options Custom account handling and flexible underwriting for qualified risks Underwriting Requirements and Minimum Premium: Completed ACORD 130 application 3–4 years of loss runs Detailed explanations and documentation for any large or recurring losses Completed supplemental questionnaire when requested Minimum premium starts at $10,000. Underwriting flexibility is available for certain qualified accounts; submit complete information to get the most favorable consideration. Territories and Availability: This program is available in most states. Representative availability includes 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Multi-state exposures are handled regularly — provide jurisdictional payroll details with submissions. Why Work With Novatae Risk Group: As a Managing General Underwriter and Excess & Surplus Lines broker, Novatae Risk Group offers deep market access and specialty underwriting for challenging workers compensation placements. Our relationship with Empire Underwriters gives you direct pathways to a variety of admitted and non-admitted carriers. We focus on practical placement, responsive underwriting, and account-level flexibility that helps you keep business with your clients. Need a Workers Compensation Insurance quote for a paving contractor client? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Example accounts that typically fit this program: A regional paving contractor with a MOD of 1.45, multi-state payroll, and several prior medical-only claims seeking alternatives to the assigned risk pool. A start-up asphalt surfacing business with limited loss history and mixed class codes needing stand-alone workers comp coverage and flexible payroll handling. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Paving contractors with elevated MODs, hard-to-place class codes, prior losses, multi-state operations, or those currently in assigned risk pools. New ventures are also considered when documentation is provided. Can I submit accounts with lapsed or canceled coverage?Yes. Distressed accounts, including those with lapsed or canceled policies, are within the program’s appetite when underwriting requirements are met and loss explanations are provided. What documents are required to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details and reserves for any large losses, and a completed supplemental questionnaire if requested by underwriting. Is this program available in all states?The program is available in most states, including major paving markets such as CA, TX, FL, NY, and IL. We routinely handle multi-state exposures; list all jurisdictions on the submission. What is the minimum premium for eligible accounts?The minimum premium requirement is $10,000. Final pricing depends on payroll, loss history, class mix, and underwriting evaluation. Need help placing an account? Connect with a market specialist.

Painting contractors face a unique set of liability exposures, from overspray damage and chemical hazards to falls from ladders or mishandling of equipment. Even the most experienced contractors can encounter unexpected accidents that result in property damage or bodily injury. That’s why having the right General Liability Insurance is so important for your painting clients. Novatae Risk Group offers a specialized General Liability program for Painting Contractors through Empire Underwriters. Backed by an “A”-rated carrier, this program is tailored to meet the needs of small to mid-sized painting businesses, helping agents like you secure competitive coverage options for artisan, residential, and commercial painting contractors. With over 30 years of experience working with the painting industry, Empire Underwriters brings deep market knowledge and underwriting expertise to every submission. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Painting Contractors accounts. Overview: This program provides General Liability coverage solutions and risk management services for small to medium-sized painting contractors. Designed to address industry-specific exposures, it offers flexible underwriting and access to both admitted and non-admitted markets. Market Focus: Targeting accounts with annual payrolls under $1,000,000, this program is ideal for independent painting contractors involved in a range of low- to moderate-risk projects. Appetite: Artisan Painting Contractors Residential Painting Contractors Commercial Painting Contractors Steel Structure Painting Eligible Risks: New construction for residential and commercial buildings, including single-family homes Remodeling and repair work on residential and commercial projects Ineligible Risks: New construction of condominiums, condo conversions, and townhouses (some exceptions may apply) Projects involving structures over 3 stories high (with limited exceptions) Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Subsidence (limited availability) Prior Projects (limited availability) Submission Requirements: Completed ACORD applications 3–5 years of currently valued loss runs Supplemental application Pollution application for project-specific exposures Do you need a General Liability Insurance quote for your Painter Account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Program Highlights: Minimum premium starting at $1,500 Access to admitted and non-admitted carriers rated up to A-XV Quick turnaround on submissions with complete documentation Available States: This program is available in: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Why Work With Novatae Risk Group: As a wholesale broker, Novatae Risk Group brings together strong carrier relationships, deep program expertise, and a commitment to helping agents place hard-to-insure and specialty business. With this painting contractor program, you’ll benefit from a responsive team, competitive markets, and underwriting experience that understands the real-world risks your clients face on the job site. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan, residential, and commercial painting contractors with annual payrolls under $1,000,000. Can I submit accounts with prior claims?Yes, accounts with prior losses can be considered. Please include 3–5 years of currently valued loss runs with your submission. Is coverage available in my state?This program is available in over 25 states, including CA, TX, FL, NJ, and more. Contact us to confirm availability in your client’s location. Are new construction projects eligible?Yes, residential and commercial new construction projects are eligible, excluding condominiums and townhouses in most cases. What carriers are used for this program?We work with admitted and non-admitted carriers rated as high as A-XV to provide flexible and competitive solutions. Need help placing an account? Connect with a market specialist.

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.

Carpet cleaning companies face unique liability exposures due to the mobile nature of their work. Whether operating in residential homes or commercial properties, these businesses are at constant risk for third-party bodily injury, property damage, and other unforeseen liabilities. A single slip-and-fall incident, chemical mishap, or accidental damage to high-value property can result in substantial claims. Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized General Liability Insurance program for Carpet Cleaning Services. Designed specifically for small- to mid-sized cleaning contractors, this program helps protect your insureds from the daily risks they encounter on the job—so they can focus on running their business with peace of mind. Ideal Accounts and Program Appetite This program is an excellent fit for: Commercial carpet cleaning companies Residential carpet cleaning businesses Contractors with less than $1,000,000 in annual payroll You might have a client who operates a small fleet of vans servicing office buildings, or a local residential cleaning company expanding into new neighborhoods—this program is built to support them. Coverage Highlights and Advantages Key coverage options available through this program include: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Coverage for Prior Projects (with limitations) These features help meet the insurance requirements of property managers, commercial landlords, and other third parties your clients work with regularly. Underwriting Notes and Minimum Premiums To submit a risk, please provide: Completed ACORD applications 3 to 5 years of currently valued loss runs Supplemental application Project-specific pollution application (if applicable) Minimum premium starts at $1,500, making this a competitive option for smaller operations looking for quality protection. Territories and Carrier Access This General Liability program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Novatae Risk Group offers access to both admitted and non-admitted markets, using carriers rated as high as A-XV. This flexibility allows for customized solutions based on your client’s risk profile and state-specific requirements. Why Work With Novatae Risk Group? As a wholesale brokerage with deep expertise in contractor and service-based risks, Novatae Risk Group helps agents place challenging and niche accounts with confidence. Our experienced brokers understand the exposures of carpet cleaning businesses and work diligently to provide fast, reliable quotes and coverage recommendations. Have a Carpet Cleaning General Liability risk to place? Call us at 800-758-8113 to speak with a knowledgeable broker, or email your application to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized residential and commercial carpet cleaning businesses with less than $1,000,000 in annual payroll are ideal risks for this program. What coverages are included in the program?The program offers General Liability with options such as Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and Per Project Aggregate limits. What underwriting information is required to submit a risk?Required submission documents include ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Is coverage available in my state?The program is available in over 25 states including CA, FL, TX, GA, and IL. Contact us to confirm availability for your specific state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for smaller carpet cleaning operations. Need help placing an account? Connect with a market specialist.