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Environmental Contractors - Combination Policy from Intercorp, Inc. Intercorp, Inc. offers a flexible, paper-friendly insurance solution designed for environmental contractors and consultants. Our Environmental Contractors - Combination Policy lets you package General Liability, Contractors Pollution Liability (CPL), and Professional Liability (E&O) into a single coordinated policy. You can combine any two of the three coverages or include all three, giving you control to match coverage to a client’s operations. Bundling these exposures under one policy helps eliminate gaps and conflicts that sometimes occur when liability, pollution, and professional coverages are placed separately. Intercorp places this business through a variety of admitted and non-admitted markets to help you find terms that fit each account’s risk profile. Ideal Accounts and Target Classes This program suits a broad range of environmental service firms, including small to mid-size contractors and consulting shops. Typical classes we write include: Air quality monitoring and consulting Environmental compliance services Phase I, II, and III environmental site assessments Environmental remedial investigations Geotechnical and geophysical consulting Asbestos or lead abatement and mold remediation Storage tank installation, removal, and testing Groundwater and soil remediation Wetlands delineation and consulting Radon mitigation contracting and assessment Hazardous materials packaging and consulting Industrial hygiene and health & safety consulting Accounts that perform field testing, small-to-midsize remediation projects, compliance audits, and consultant-only engagements are typically a good fit. Clients with specialized, high-severity industrial remediation or ongoing operations with unlimited pollutant exposures may require placement in specialized markets. Coverage Highlights and Advantages Simplified policy administration — one carrier relationship and one effective date for combined exposures. Coordinated terms and limits to reduce gaps between GL, CPL, and professional E&O coverages. Flexible packaging — choose any two coverages or all three to reflect actual operations. Access to multiple markets through Intercorp to help secure competitive terms for non-standard risks. For example, you might have a client who performs both mold remediation and indoor air quality consulting. With Intercorp’s combination policy you can address their pollution and professional exposures together, avoiding conflicting exclusions or duplicate coverage triggers. Underwriting Considerations and Minimum Premiums Submissions should include a completed application, detailed description of services, project history, and loss runs. Underwriting focuses on scope of operations, revenue by class, safety programs, and prior loss experience. Minimum premiums generally start around $2,500 but can vary by carrier, limits, and coverages selected. Appetite and Typical Restrictions We commonly place: Environmental consultants, site assessors, and small remediation firms Remedial investigators and contractors working on discrete projects Mold, asbestos, lead abatement, and radon mitigation contractors with documented procedures We typically do not place accounts that require high-limit, long-term environmental indemnities for large industrial sites, or those with unresolved catastrophic losses. In borderline cases, we can often find specialist markets through our E&S placement options. Territories and Availability This program is available across the United States, including all 50 states and Washington, D.C. Intercorp can place business on admitted or non-admitted paper as appropriate for the account and state requirements. Why Work with Intercorp, Inc.? Intercorp is an experienced Excess & Surplus Lines broker with deep relationships in environmental markets. Our niche focus on environmental exposures, combined with access to multiple carriers, helps you secure coordinated coverage for complex risks. We provide responsive underwriting feedback and work with agents to tailor packages that balance price and protection. Example Scenarios You have a small consulting firm that performs Phase I and Phase II ESAs plus limited groundwater sampling. You can package GL and Professional Liability to address both on- and off-site exposures. A mold remediation contractor also offers indoor air quality testing. Combining CPL and Professional Liability under one policy can reduce gaps and simplify claims handling if work overlaps. Frequently Asked Questions What types of accounts are a good fit for this program? The program is ideal for environmental consultants, remediation contractors, and service providers handling pollution-related work, including mold, asbestos, radon, and hazardous materials. Can I choose only two of the three coverages offered? Yes. You can bundle any two of the following: General Liability, Contractors Pollution Liability, and Professional Liability to match your client’s exposures. Is this program available in all states? Yes. Intercorp makes this program available in all 50 states and Washington, DC, and can place on admitted or non-admitted paper depending on the state and the account. What is the typical minimum premium? Minimum premiums generally start at about $2,500, though final pricing will depend on the scope of services, limits, and the carrier selected. What underwriting information is required to submit? Provide a completed application, a description of services, revenue by class, project history, and loss runs. Detailed submissions help us identify the best markets and terms. Need help placing an account? Connect with a market specialist.

Business owners face some of the highest exposures when they interact with employees, customers, vendors and the public. Anyone can file a lawsuit alleging injury, illness, accident or another grievance — and the responsibility and financial risk fall on the business owner, not the claimant. Business owners have often invested everything into their operation; one small incident or claim can threaten the survival of the business. Good operations, attention to safety and the right insurance program are the best defenses against being one lawsuit away from closing up shop. Chenango Brokers, LLC offers a Business Owners Policy (BOP) program designed for agents who need a reliable market for small- and mid-sized accounts — including risks that can be tough to place elsewhere because of age, prior losses, or coverage gaps. We combine experienced underwriting with access to admitted and non-admitted products to help you service more clients and get timely quotes. Coverages When it comes to BOP Insurance, the policy should combine property and liability protections so your clients aren’t exposed by a single gap. Typical coverages we place through this program include: Coverages: • Property Liability • Commercial Liability • General Liability • Umbrella • Workers compensation • Inland Marine Ideal Accounts and Appetite Chenango Brokers targets Main Street and small commercial classes where a well-structured BOP provides the most value. Our preferred classes include: Our Target Classes Include: - Restaurants - Garage Classes - Apartments - Mixed Occupancy - Lessors Risk - Office Classes - Wholesalers - Main Street We routinely place accounts that are under two years in operation, accounts with limited loss history, or those with one or two prior claims where coverage gaps or non-payment issues created placement challenges. While we can handle harder-to-place risks, accounts with ongoing operations problems, repeated large losses, or significant unaddressed regulatory issues may not qualify. Coverage Highlights and Advantages All-in-one BOP options that combine property and liability to reduce coverage gaps. Access to admitted and surplus markets (availability varies by state) — Chenango helps you determine the best market fit for each account. Quick turnarounds and responsive underwriting on standard and harder-to-place small business risks. Optional excess/umbrella and inland marine solutions to extend protection where necessary. Underwriting Notes and Minimum Premiums Underwriting considers operations, location, prior loss history, payroll/sales levels, and any prior coverage lapses. Minimum premiums and policy terms vary by carrier and product — minimum premium: Varies by Carrier and Products. Be prepared to provide a complete submission including: ACORD applications and detailed descriptions of operations Loss runs (where applicable) Prior policy declarations and explanation of any coverage gaps or non-payment We can often place accounts with previous gaps or a single minor loss, but larger or frequent losses may require enhanced controls, higher retentions, or placement in a surplus market. Territories and Admitted Status This BOP program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, OR, PA, RI, TX, VA, WA. Product availability and whether an admitted or non-admitted option is used varies by state and by carrier — Some Available States may only have limited carrier options. Why Work With Chenango Brokers on BOP As a wholesale broker, Chenango Brokers delivers focused underwriting and fast service for small business BOPs. We help you solve placement problems that can stall a bind: prior losses, gaps in coverage, businesses under two years old, and other hard-to-place characteristics. Our team provides quick quotes, clear underwriting requirements, and access to multiple carrier options to increase the chance of placement for deserving risks. Service Commitment Chenango Brokers has the knowledge and dedicated staff to provide fast service and quick-turnaround quotes to you and your clients. Please note that not all of our carriers and products are available in every state. Example scenarios that fit this program You have a small downtown restaurant in operation for 18 months with one minor slip-and-fall claim last year — this program may provide an admitted BOP with property and GL coverages when standard markets decline. An owner of a mixed-occupancy building seeking a combined property/liability package and available lessor’s risk coverage — Chenango can help determine admitted or surplus placement based on state availability and loss history. We will be one call all you need to make to help service your client needs! Frequently Asked Questions What types of accounts are a good fit for Chenango Brokers’ BOP program?The program is aimed at Main Street small businesses — restaurants, office and wholesale operations, garages, apartments and mixed-occupancy properties, and lessor’s risk accounts. We also work with newer businesses (under two years) and accounts with a limited or minor loss history that other markets may decline. Which states and admitted options are available?We place business in AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, OR, PA, RI, TX, VA and WA. Admitted versus non-admitted availability depends on the carrier and state; some markets are only available in select states. What should I include with a submission to get a fast decision?Provide a completed ACORD application, detailed description of operations, up-to-date loss runs, and prior policy declarations or explanations for any coverage gaps. Clear documentation helps speed underwriter review and improves placement chances. How does prior loss history affect placement?Minor, infrequent losses are usually manageable; repeated or large losses may require higher retentions, underwriting controls, or placement in a surplus market. We evaluate each file individually and will advise on the best options and any recommended risk improvements. Need help placing an account? Connect with a market specialist.

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M.J. Hall & Company now offers Environmental and Pollution Liability Insurance for a broad range of commercial risks and industries. Overview of the Program From M.J. Hall & Company If you place environmental exposures, M.J. Hall & Company, Inc. provides access to flexible Environmental and Pollution Liability solutions through its wholesale Excess & Surplus Lines relationships. MJ Hall works with multiple carriers to place complex or non-standard pollution risks that may need tailored wording, combined coverages, or excess capacity. Ideal Accounts and Appetite This program targets contractors, consultants, and site operators with potential pollution exposures. Typical classes include: Environmental contractors (including mold remediation) Manufacturers and blenders handling hazardous materials Storage sites for pollutants, chemicals, or waste materials Environmental consultants requiring professional liability combined with pollution coverage Transportation and hauling firms needing pollution liability for cargo and operations Accounts with third-party bodily injury or property damage exposure from sudden or gradual pollution, and those facing regulatory cleanup obligations, are a strong fit. Accounts primarily seeking standard GL with no pollution exposures are generally outside this program’s focus. Coverage Highlights and Advantages The program offers modular coverages you can combine to meet insureds’ needs: Environmental Liability – Third-party bodily injury, property damage, and remediation costs from pollution incidents. First-party Cleanup – Site remediation when cleanup is required by government authorities. Excess Liability – Limits available to follow form over primary environmental or other commercial policies. Limited GL and Auto Liability – Select GL/auto wording available for certain classes subject to underwriting. Mold Coverage – Included options for contractors and site operators where mold is an exposure. Professional Liability with Pollution – For consultants who need errors & omissions combined with pollution triggers. Underwriters can tailor packages — for example combining pollution legal liability with contractor pollution liability for a remediation firm, or adding professional liability for an environmental consultant. Underwriting Notes and Minimum Premiums Submissions should include a completed application, recent loss history, and an environmental questionnaire when applicable. Minimum premiums typically begin at $2,500 and increase with exposure, limits, and breadth of coverage. Underwriting focuses on operations, materials handled, historical site conditions, controls in place, and loss trends. Territories and Availability This program is available in the following states: California, Arizona, Alaska, Hawaii, and Nevada. Both admitted and non-admitted placement options may be available depending on the carrier and risk. Why Work With M.J. Hall & Company? MJ Hall brings decades of wholesale experience and established carrier relationships for hard-to-place environmental risks. Their team provides responsive quotes, creative structuring, and access to multiple markets to help you secure terms for complicated or specialized operations. Working with MJ Hall can simplify placement for accounts that need combined pollution and professional liability solutions or excess capacity. Call M.J. Hall for all of your Environmental and Pollution Liability Insurance needs today! For appointment contact: [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for environmental contractors, consultants, manufacturers, and storage or transport operations that handle or store pollutant materials and face potential cleanup or third-party liability exposures. Can this coverage include mold or site-specific pollution exposures?Yes. The program can include mold-related liability and site pollution coverage — including first-party cleanup costs when mandated by authorities — subject to underwriting review. Is professional liability available for consultants?Yes. Environmental consultants can be insured for professional liability combined with pollution liability where needed to cover both negligent professional acts and pollution incidents. What states is the program available in?The program is available in California, Arizona, Alaska, Hawaii, and Nevada. Admitted or non-admitted placement will depend on carrier appetite and the risk profile. What is the minimum premium for this program?Minimum premiums typically start at $2,500 or higher, varying by risk size, operations, and requested coverages. Need help placing an account? Connect with a market specialist.

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Dog racing venues deliver high-energy entertainment—and they carry unique exposures. American Specialty Insurance & Risk Services offers a dedicated Dog Tracks Insurance program designed to help agents place coverage for tracks, simulcast and betting facilities, racinos, and related operations so events can continue with appropriate protection and responsive service. Editor's note: As of 2025, the only states with active greyhound racing tracks are Alabama, Arkansas, Iowa, Texas, and West Virginia. Four other states — Wisconsin, Connecticut, Kansas, and Oregon — still allow greyhound racing by law but currently have no active tracks. Eligible Operations for Dog Tracks Insurance Greyhound and dog racing tracks Simulcast facilities and Off-Track Betting (OTB) locations Thoroughbred, harness, quarter horse and combined tracks Racinos (racing + casino operations) Special events featuring competitive or exhibition dog racing Program Highlights for Dog Tracks Insurance Placed with an A.M. Best “Excellent” or higher carrier where available Admitted coverage in available states Program-specific forms and rating to match track exposures Non-auditable policy options for seasonal/event operations 24-hour claims service and in-house claims handling In-house underwriting, risk management, and policy administration Online risk-mitigation resources and tools for insureds Program Coverages for Dog Tracks Insurance General Liability Participant/Competitor Legal Liability Animal Legal Liability (Dog and Horse where applicable) Excess / Umbrella Liability Liquor Liability Commercial Automobile Property (including event and seasonal exposures) Crime and Fidelity coverage Employee Benefits Liability Workers' Compensation Flexible deductible and SIR options Ideal Accounts and Appetite American Specialty partners with agents who place dog tracks and related racing or wagering facilities. The program is focused on operations with active racing and spectator exposure, including: Greyhound and other dog racing tracks Simulcast or OTB facilities Combined tracks offering multiple animal racing events Racino operations with both racing and casino elements Special events involving competitive or exhibition dog racing Facilities with documented risk management protocols, security plans, and established operating procedures are the best fit. Underwriting Notes and Minimum Premiums Minimum premium varies by operation type, size, and exposure. The program offers flexible deductible and self-insured retention (SIR) structures and non-auditable policies to align with seasonal schedules and event-driven revenue. In-house underwriting enables faster responses and tailored terms for complex track risk. Territories and Availability This program is available in states where dog racing is active or legally allowed, with primary availability in Alabama, Arkansas, Iowa, Texas, and West Virginia. American Specialty provides admitted coverage in available states and evaluates other racing-related opportunities on a case-by-case basis. Why Work With American Specialty As a Managing General Underwriter with specialty experience in sports, entertainment, and wagering risks, American Specialty offers focused underwriting, responsive service, and claims expertise tailored to track operations. Agents receive direct access to underwriting, risk management support, and policy administration under one roof—helping accelerate placements and claims resolution. Example fits: You might have a year-round greyhound track in West Virginia seeking combined general liability, liquor liability, and property coverage, or a seasonal simulcast/OTB facility in Iowa that needs non-auditable policies and flexible SIR options. Both are well within the program’s appetite when supported by standard safety and security controls. Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include active greyhound tracks, simulcast/OTB facilities, racinos, and combined racing venues with spectator exposure. Facilities should have established operations and risk controls. Is this program available in all states?No. Primary availability is in Alabama, Arkansas, Iowa, Texas, and West Virginia where racing remains active. Other states may be considered depending on legal status and the specific operation. Are both dog and horse racing facilities eligible?Yes. The program can cover dog tracks as well as horse, harness, and quarter horse racing venues, including combined operations and special events. What coverages are included?Available coverages include General Liability, Participant and Animal Legal Liability, Excess/Umbrella, Liquor Liability, Property, Workers' Compensation, Automobile, and Crime, among others. What carrier backs this program?The program is written with an A.M. Best “Excellent” or higher carrier when available. Specific carrier placement can vary by account. Need help placing an account? Connect with a market specialist.

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...ackage — a tailored program that combines rigorous form analysis with flexible...

Comprehensive Insurance Company Liability Coverage from Capitol Special Risks Insurance companies face professional and management liability exposures that go beyond a standard E&O policy. Capitol Special Risks offers a specialized program to help you place tailored protection for carriers, reinsurers, captives, and insurance entities with complex ownership or affiliated distribution channels. Through our market relationships we can combine multiple coverages into a single, streamlined solution. Ideal Accounts and Appetite This program is designed for licensed insurance carriers and insurance-related entities, including: Domestic insurance companies and regional carriers Captive insurers Reinsurers and risk retention groups (RRGs) Insurance companies that own or are affiliated with agencies or brokerages We have appetite for accounts with affiliated distribution or multi-entity structures. Accounts with simple operating models and standard underwriting practices typically fit best; complex regulatory or high-excess liability situations may require additional review. Coverage Highlights and Advantages Capitol Special Risks places professional and management liability programs that can combine multiple coverages in one policy form, reducing gaps and simplifying placement. Common coverages include: Errors & Omissions (E&O) Directors & Officers (D&O) Employment Practices Liability (EPL) Network Security & Privacy Liability Fiduciary Liability Policies are available on a primary or excess basis with limits up to $5,000,000. In many cases coverage can be extended to affiliated agencies or brokerages owned by the insured to provide a more comprehensive program structure. Underwriting Notes and Minimum Premiums Underwriting considers the type of insurer, lines underwritten, claims history, ownership structure, and distribution relationships. Program minimum premiums vary by account size and risk profile. We aim for an efficient underwriting process and fast turnaround on quotes. Capitol Special Risks does not charge broker fees on this program. Territories and Availability This program is available in most U.S. jurisdictions. Some markets are admitted depending on the risk and state. Coverage is available in the following states: 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, WV, WI, WY. Why Work With Capitol Special Risks? Capitol Special Risks is a wholesale broker with decades of experience placing professional and management liability for insurance industry clients. We offer: Access to multiple competitive markets and flexible program structures Combined coverage solutions to reduce gaps between policies Responsive service and fast quote turnarounds No broker fees on this program Example scenarios you might place through this program: You represent a regional carrier that needs a combined E&O/D&O package for its corporate parent and an owned retail agency—this program can provide a single policy that addresses both exposures. You have a captive insurer or an RRG with a unique ownership structure and want excess management liability with network security coverage—Capitol Special Risks can access markets that specialize in those blended solutions. If you have a client in the insurance industry who needs broad, coordinated protection, connect with a market specialist to discuss placement and available markets. In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed insurance companies, captive insurers, RRGs, and insurers with affiliated agencies or brokerages. Can this program cover affiliated agencies owned by the insured?Yes. In many cases the policy can be structured to extend coverage to affiliated or owned agencies and brokerages. What coverages are included under this policy?The policy can combine E&O, D&O, EPL, Network Security & Privacy Liability, and Fiduciary Liability into one comprehensive package. Is this program available in all states?The program is available in most U.S. states. Some markets may be admitted depending on the state and the specific risk. Do you charge any broker fees?No. Capitol Special Risks does not charge broker fees for this program. Need help placing an account? Connect with a market specialist.