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...tract Bid, Payment and Performance Bond J.M. Wilson Corp. offers a Quick...pplicant’s credit and the size of the bond request. Are these bonds admitted or non-admitted?J.M. Wils...

Electrical Contractors Insurance Program from Legends Environmental Services Legends Environmental Services offers a tailored Electrical Contractors Insurance program designed for the specific exposures faced by electrical, lighting and HVAC trades. Whether your client runs a single-tech electrical repair shop or a multi-crew contractor performing installations, this program provides flexible, customizable solutions placed through AM Best–rated carriers. Ideal Accounts and Appetite This program is a fit for a broad range of electrical-related operations, including: Licensed electrical contractors (residential and light commercial) Electric repair technicians and service electricians HVAC and air-conditioning contractors that perform electrical work Lighting technicians, designers and consultants Heating contractors and construction firms with in-house electrical teams Legends looks to place qualified small to mid-sized businesses that perform installation, repair, maintenance or consulting related to electrical systems. Accounts should meet standard underwriting criteria, carry appropriate licensing, and generally start at a minimum premium of $4,500. Coverage Highlights and Advantages The program offers core protections commonly required by contractors, with options to tailor limits and endorsements to client needs: General Liability (GL): Third-party bodily injury and property damage, products/completed operations and defense costs — available standalone or within a BOP. Business Owners Policy (BOP): Bundled GL and commercial property coverages, with options for business interruption for eligible risks. Workers’ Compensation: Coverage for employee injuries and related statutory exposures. Commercial Auto: Liability and physical damage for vehicles used to transport crews, tools and equipment. Additional customization can address equipment breakdown, inland marine for tools and contractor’s equipment, loss of business income, and limits or endorsements that mitigate exposure from alleged faulty installations or on-site accidents. Underwriting Notes and Minimum Premiums Underwriting emphasizes well-managed operations with documented safety programs, licensed staff, and clear scopes of work. The program generally targets accounts with clean loss histories and reasonable exposure control. The minimum premium for placement begins at $4,500; final pricing depends on territory, operations, payroll, and loss history. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, PA, and WA. Availability may vary by coverage line and state regulation. Coverages are written through admitted markets in most available territories. Why Work With Legends Environmental Services? As both a general agency and carrier, Legends provides agents with direct underwriting expertise and market access to AM Best–rated carriers. Their industry focus on electrical, HVAC and lighting trades helps agents place accounts more efficiently, with package options and flexible endorsements that match real contractor exposures. Practical placement examples: You might have a client who is a licensed residential electrician performing panel upgrades and small remodel work — this program can provide GL and tools coverage within a BOP structure. Or you may represent a regional lighting consultant who installs commercial lighting retrofits — available options include completed operations coverage and commercial auto for transporting equipment. If you need help determining fit or obtaining a quote, connect with a market specialist to review underwriting guidelines and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include licensed electrical contractors, HVAC technicians who perform electrical work, lighting consultants, electric repair shops, and small construction firms with in-house electrical teams. What is the minimum premium for this program?The program typically starts at a minimum premium of $4,500, though the final premium depends on the operation’s size, payroll, and loss history. Is the program available in all states?The program is offered in most U.S. states. Specific availability can vary by coverage line and state regulations, so check with a market specialist for your state. Can I access this program without bundling a full Business Owners Policy?Yes. In many cases general liability can be placed standalone depending on eligibility and underwriting requirements; however, BOP packaging is available for eligible accounts. What carriers are used in this program?All coverages are placed through AM Best–rated carriers to ensure financial strength and reliable claim handling. Need help placing an account? Connect with a market specialist.

... • Carpentry • Carpeting • Concrete • Contract Carriers • Distributo...s of coverage available?Yes, we offer Bonds, General Liability, Workers Compen...

Novatae Risk Group offers a dedicated General Liability Insurance program tailored specifically for Heating, Ventilation, and Air Conditioning (HVAC) Contractors. Developed in partnership with an “A” rated carrier, this program is designed to provide reliable, affordable coverage to help agents and brokers place small to mid-sized HVAC contractor accounts with confidence. Whether your HVAC clients are looking to switch carriers or enhance their current coverage, Novatae makes the process simple. Our experienced brokers can quickly review submissions and offer competitive solutions that meet your clients’ risk management needs. With both admitted and non-admitted options available through highly rated carriers, we can accommodate a wide range of client profiles and project scopes. To discuss your HVAC accounts, call our knowledgeable team at 800-758-8113. Overview: This General Liability program is built to support small to mid-sized HVAC contractors by delivering comprehensive protection against third-party claims. Typical exposures addressed include property damage, bodily injury, and completed operations liability—key concerns in the HVAC field. Market Focus: We focus on HVAC contractors with annual payrolls under $1,000,000. Whether your client specializes in residential installs, commercial service and repair, or tract home developments, this program is designed to help you place their general liability needs efficiently. Appetite: Residential HVAC Contractors Commercial HVAC Contractors Tract Home HVAC Installers HVAC Service & Repair Providers Coverages Available: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory Wording Per Project Aggregate Limits Subsidence Coverage (with limitations) Prior Projects Coverage (with limitations) Submission Requirements: Completed ACORD Applications 3 to 5 Years of Currently Valued Loss Runs Supplemental HVAC Application Project-Specific Pollution Application (if applicable) Underwriting Notes and Minimum Premiums: The minimum premium for this program starts at $1,500. Our underwriting team evaluates each submission based on the contractor’s operations, payroll, loss history, and project types. We aim to provide fast turnaround and competitive terms for well-qualified accounts. Territories and Availability: This 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, and WV. Admitted and non-admitted options are available depending on the state and risk profile. Why Work With Novatae Risk Group? As a trusted wholesale broker, Novatae Risk Group brings deep market access and underwriting experience to the table. We specialize in helping agents and brokers place challenging or niche contractor accounts. Our team is responsive, knowledgeable, and committed to helping you find the right solution for your HVAC contractor clients—no matter the size or complexity of the job. Need a quote for your HVAC contractor account? Email [email protected] or call 800-758-8113 to speak directly with an underwriter. Frequently Asked Questions What types of HVAC contractors are eligible for this program?The program targets small to mid-sized residential, commercial, and service/repair HVAC contractors with annual payrolls under $1,000,000. Are both admitted and non-admitted markets available?Yes, Novatae offers access to both admitted and non-admitted carriers, rated as high as A-XV, depending on the state and risk profile. What states is this program available in?This program is available in 25 states, including CA, TX, FL, IL, GA, and others. Contact us to confirm availability in your state. What is the minimum premium for eligible accounts?The program starts at a minimum premium of $1,500, with pricing based on underwriting factors such as payroll, operations, and loss history. What documents are needed to submit an account?Submissions should include completed ACORD forms, 3–5 years of loss runs, a supplemental HVAC application, and a pollution application if applicable. Need help placing an account? Connect with a market specialist.

... • Carpentry • Carpeting • Concrete • Contract Carriers • Distributo...s of coverage available?Yes, we offer Bonds, General Liability, Workers Compen...

...es Contractors (residential, concrete, cabinet shops) Homeowners assoc...

Legends Environmental Services offers a robust Contractors Pollution Insurance policy designed for contractors who face pollution exposures during construction, maintenance, demolition, abatement and emergency response work. This program provides broad third-party coverage for bodily injury, property damage and environmental impairment claims — including cleanup and response costs both on and off the work site — where Commercial General Liability often provides limited or no recovery for pollution-related losses. Target Classes General Contractors Construction Managers Street and Road Contractors Maintenance Contractors Electrical Contractors Mechanical Contractors Demolition Contractors Environmental Contractors Aboveground and Underground Storage Tank Contractors Site Restoration and Cleanup Contractors Response Action/Emergency Spill Response Contractors Transformer/PCB Contractors Trade Contractors HVAC Contractors Industrial Contractors Overview — Program from Legends Environmental Services As a Brokerage General Agency, Legends Environmental Services places Contractors Pollution accounts with multiple markets to give agents access to broader environmental coverage than typical CGL endorsements. The program targets contractors with known pollutant-handling or disturbance exposures and can be structured for both project-specific and annual operations exposures. Coverage is underwritten to address third-party liability and remediation/cleanup costs arising from sudden and accidental releases as well as certain non-sudden conditions, depending on underwriting and market selection. Coverage Highlights and Advantages Broad third-party pollution liability for bodily injury, property damage and environmental impairment. Coverage for on-site and off-site impacts and related cleanup costs where available by market. Project-specific and annual policies available depending on scope and exposure. Ability to access multiple carriers and markets to fit uncommon or higher-risk operations. Companion products available for abatement and asbestos/lead exposures to provide broader risk management solutions. Ideal Accounts and Appetite You should consider this program for contractors that disturb, handle, remove or transport regulated materials or operate where spills, leaks or contamination are realistic exposures. Typical good fits include: Contractors performing tank removal, replacement or remediation. Demolition and renovation firms that may encounter asbestos, lead or other contaminants. Environmental remediation and emergency spill response contractors. Electrical/transformer contractors working with PCBs or oil-filled equipment. Accounts that typically require more focused review include long-term landfill work, sites with known legacy contamination without an effective remediation plan, or operations with persistent off-site migration risk. Contact us early on those exposures — we can often find market solutions or define reasonable restrictions. Underwriting Notes and Minimum Premium Standard submissions should include a completed CPO application. For project work, supply job specifications, background engineering reports and product descriptions. Legends Environmental Services places most accounts through multiple available markets (admitted and non-admitted where appropriate), so underwriting will consider the nature of the work, pollution controls in place, historical loss activity and client risk management practices. Minimum premium: $1,500. Please note that availability and specific terms vary by market and state. Companion Products Asbestos/Lead Liability Insurance Products Contractors Abatement Liability Abatement Umbrella Submission Requirements Completed CPO application For projects: job specifications, engineering background and product descriptions *Receive a $25 Visa Gift Card with every Contractors Pollution Policy that is Bound* Now offering 12 1/2 % Commission* Territories and Availability Legends Environmental Services places Contractors Pollution coverage across most U.S. states and the District of Columbia. Availability and admitted status depend on the carrier selected — this program accesses multiple markets to match risk and regulatory needs. States served 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, DC. Why Work With Legends Environmental Services As a brokerage general agency focused on environmental and contractors pollution risks, Legends Environmental Services brings underwriting relationships across multiple carriers and specialized knowledge of contractor exposures. We work with agents to structure project or annual programs, coordinate companion abatement products when needed, and guide submissions to the most appropriate markets to secure competitive terms. If you have a client with pollution exposure that needs dedicated coverage beyond standard CGL, this program is built to help you place that business. Give me a call for more information about our Contractors Pollution Insurance program or any other products we offer. Frequently Asked Questions What types of accounts are a good fit for this Contractors Pollution program?Contractors who disturb, remove or handle regulated materials — such as tank work, demolition/abatement, remediation, transformer work or emergency spill response — are good candidates. The program is designed for project-specific and annual contractor operations with measurable pollution exposures. What do you need to submit to get a quote?Provide a completed CPO application. For project work include job specifications, engineering/background reports and product descriptions. The more detail you can provide about controls, waste handling and emergency response procedures, the faster we can place the risk. Are policies admitted in all states and which territories do you serve?Legends Environmental Services places coverage in most states and D.C.; admitted vs. non-admitted placement depends on the carrier and state. We will recommend the appropriate market based on the account and regulatory requirements. Is there a minimum premium or special underwriting concerns I should know about?The program generally has a minimum premium of $1,500. Underwriters will review the scope of work, historical losses, pollutant types, and controls in place. Accounts with known legacy contamination or ongoing off-site migration require early discussion to determine market appetite. Need help placing an account? Connect with a market specialist.