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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...

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

As an excavation contractor, your clients encounter significant jobsite hazards every time they break ground. From back strains and soft-tissue injuries to severe accidents involving heavy equipment, the exposures are real—and so is the need for dependable Workers Compensation. Novatae Risk Group, working with Empire’s specialized contractors team, offers a focused Excavation Workers Compensation Insurance Program to help you place this challenging class of business. This program is underwritten specifically for excavation and similar high-hazard operations. Whether a client is a start-up, has a history of large losses, or has been declined elsewhere, our underwriting team will evaluate submissions and craft appropriate solutions. We place business with many "A"-rated carriers and access both admitted and non-admitted markets depending on state and risk profile. Contact us at 800-758-8113 to speak with our brokers about Excavation Workers Compensation accounts. Ideal Accounts and Appetite: Experience MODs of 1.30 or greater High-hazard or hard-to-place classifications (excavation, trenching, site prep) Blue, gray, and white collar job types on the same payrolls Accounts currently in state pools or assigned risk funds Distressed, lapsed, or non-renewed accounts New ventures with no prior coverage Multi-state operations — we have market expertise here Other hard-to-place Workers Compensation risks Example fits: a regional excavation contractor with a recent large loss seeking a stable market solution; or a multi-state site-preparation firm moving out of a state fund and needing coordinated coverage across jurisdictions. Coverage Highlights and Advantages: Fast turnaround on quotes and binding for time-sensitive accounts Access to numerous "A"-rated carriers across admitted and E&S markets Standalone Workers Compensation placements tailored to operations Guaranteed cost, dividend, and retrospective (retro) plans available High-deductible and alternative cost-control options Integrated claim handling and custom program servicing Underwriting Requirements: Completed ACORD 130 application 3–4 years of loss runs Details on any large or open losses Supplemental questionnaire when applicable Minimum Premium and Availability: Minimum premium for the program starts at $10,000. We underwrite accounts in most states — including, but not limited to, CA, FL, TX, NY, and PA — and can place business nationwide depending on carrier appetite and the risk profile. Why Work with Novatae Risk Group? Novatae Risk Group is a Managing General Underwriter and Excess & Surplus Lines Broker with deep experience placing tough Workers Compensation risks. We understand the underwriting and operational challenges brokers face when placing excavation accounts. With broad market access, flexible underwriting, and responsive service, we help you protect clients while keeping accounts competitive. Need an Excavation Workers Compensation quote? Email [email protected] with submission materials or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits excavation contractors with elevated MODs, prior large losses, new ventures, multi-state operations, or those who have been lapsed or non-renewed. It’s built for high-hazard and hard-to-place exposures. Can you help with clients in the state risk pool?Yes. We frequently move accounts out of state pools and into tailored Workers Compensation solutions using competitive admitted and non-admitted markets. What information do you need to get a quote?Provide a completed ACORD 130, 3–4 years of loss runs, details on any large or open losses, and a supplemental questionnaire if requested. Is the program available nationwide?Yes — the program is available in most states, including CA, TX, FL, and NY. We can write in all 50 states and DC depending on carrier availability and the specific risk details. Do you work with new ventures that have no prior coverage?Absolutely. We have markets that will consider start-ups in the excavation and site-work trades. Need help placing an account? Connect with a market specialist.

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Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) offers a construction-focused Workers Compensation program built for contractors and trades professionals. The program combines flexible underwriting, admitted paper across available territories, and construction-specific risk management to help your clients control losses and manage costs. Overview of the Program UBIC's Construction Workers Compensation Insurance is designed to address the day-to-day exposures contractors face. The program underwrites accounts on their individual risk characteristics rather than relying solely on class-based pricing, giving agents flexibility to place established contractors as well as qualified new ventures expanding into additional states. Ideal Accounts and Appetite The program targets most NCCI construction class codes and is best for employers with a minimum of three employees (owners and officers excluded). Roofers are considered but typically require a higher minimum premium. Accounts converting off a PEO or employee leasing arrangement are eligible when payroll and class reporting can be documented. Example accounts that fit well include: A drywall contractor with five field employees operating in Utah and Nevada A start-up electrical contractor in Colorado with an owner who has verifiable prior trade experience Coverage Highlights and Advantages Individually underwritten accounts—underwriting focuses on risk controls and loss history, not just class codes Admitted paper in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC for broader placement options Flexible payment plans and monthly self-reporting available to match contractor cash flow Risk Management Tools Custom safety manuals and meeting logs tailored to construction trades Practical checklists and jobsite safety tips to reduce exposures Quarterly to annual risk assessments depending on account size and needs Phone, in-person, or online safety consultations available to help implement controls Underwriting Notes and Minimum Premiums Most NCCI construction codes are eligible; underwriting reviews class mixes and operations Experience modification factors up to 1.50 are generally acceptable (higher with referral) Minimum premium starts at $2,500 (roofing risks typically have a $5,000 minimum) New ventures are considered when the owner has verifiable experience in the trade Territories and Availability This program is admitted and available in Arizona, Idaho, Nevada, New Mexico, Oregon, and Utah. Multi-location and multi-state contractors that operate within these territories are eligible. Why Work With UBIC? UBIC brings focused construction workers compensation expertise and admitted solutions across its available states. Agents benefit from responsive underwriting, construction-specific risk management resources, and placement options through Companion Property and Casualty and Companion Commercial Insurance when broader solutions are needed. Use this program to place contractors who value tailored underwriting and practical loss-control support. Frequently Asked Questions What types of accounts are a good fit for this program?Most construction-related businesses with at least three employees beyond the owners qualify. Typical fits include general contractors, electricians, plumbers, HVAC contractors, and roofing contractors (roofing may require a higher minimum premium). Is the program available for new ventures?Yes. New ventures are eligible when the owner or principal has verifiable prior experience in the same construction trade. Are multi-state or multi-location contractors eligible?Yes. Multi-location and multi-state operations within the program territories are eligible; UBIC offers admitted paper where available. Can accounts coming out of a PEO or leasing arrangement qualify?Yes. Accounts transitioning from a PEO or employee leasing model can be considered provided payroll and employee classifications are documented. What risk management support is included?UBIC provides safety manuals, meeting logs, tailored checklists, periodic risk assessments, and access to safety consultations to help reduce workplace injuries and improve compliance. Need help placing an account? Connect with a market specialist.