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...ur insureds perform commercial construction, municipal subcontracting, or spec...$1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The...

Construction Insurance Allstar Underwriters, a...cies are available as part of the construction insurance offerings. What is th...

...ts placing small- to mid-sized construction risks. Whether the insured manages... to match the needs of individual construction jobs. What is the minimum premi...

CIS - Construction Insurance Solutions Easy & fas...s—particularly those operating in construction-defect states such as CA, NV, a...

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NOTE: Primary Supporting CGL/PL Required. Overview of the Program from National Environmental Coverage Corporation National Environmental Coverage Corporation (NECC) offers a specialized Umbrella / Excess Liability program designed to support environmental and specialty risks. This program provides commercial catastrophe liability coverage in excess of several key lines, including General Liability, Professional Liability, Pollution Liability, Automobile Liability, and Employers Liability. It's an excellent solution for agents and brokers who need to secure higher limits for clients operating in complex or high-risk sectors. Ideal Accounts and Appetite NECC is focused on environmental and technical classes that require unique coverage solutions. The program is ideal for insureds who work in environmental cleanup, consulting, remediation, or hazardous material handling. Whether your client is a contractor managing lead or asbestos abatement or an environmental engineer overseeing remediation projects, this program can offer the extra layer of protection they need. Eligible classes include, but are not limited to: Asbestos Abatement Drillers (excluding oil & gas) Emergency Response Teams Environmental Consultants and Engineers Environmental Laboratories Hazardous Materials Handlers Lead Abatement Contractors Liquid Waste Remediation Medical & Infectious Waste Handlers PCB and Soil Remediation UST/AST Contractors Waste Brokers Wetlands Contractors And many more specialized environmental operations Coverage Highlights and Advantages This program utilizes a Commercial Catastrophe Liability Form to provide flexible coverage solutions over a wide range of exposures. It is structured to sit above primary policies such as CGL, PL, or Pollution Liability, offering your clients peace of mind when dealing with high-hazard operations or large contracts that require high limits. Base Limits: $1,000,000 Maximum Limits: Up to $5,000,000 Underwriting Notes and Minimum Premiums The program is underwritten on a non-admitted basis and is subject to underwriting approval. Occurrence form CPL and/or CGL may not be available for certain exposures. Mold coverage extensions are not offered for all risks. Prior acts coverage may be available with proof of continuous comparable claims-made coverage. Minimum premiums start at $1,500, with taxes and fees in addition to the base premium. Coverage availability and terms vary by exposure, risk characteristics, and location. Territories and Availability This Umbrella / Excess Liability program is available in most states across the U.S., including but not limited to CA, NY, TX, FL, IL, and PA. NECC offers broad national reach, making it easier for agents to place multi-state environmental risks under one umbrella. Why Work with NECC? With decades of experience in environmental and specialty insurance, NECC understands the nuances and liability exposures your clients face. Their underwriting team offers deep industry knowledge and fast, responsive service to help you secure the coverage your clients need quickly and efficiently. Whether you're placing a new remediation contractor or expanding coverage for a long-term environmental consultant, NECC is a reliable partner for high-quality umbrella and excess liability solutions. Frequently Asked Questions What types of accounts are a good fit for this Umbrella / Excess Liability program?This program is ideal for environmental contractors, consultants, remediation specialists, hazardous materials handlers, and similar high-risk or technical operations. What are the coverage limits available?Base limits start at $1,000,000, with maximum limits available up to $5,000,000, depending on the risk profile and underwriting approval. Is this program available nationwide?Yes, the program is available in most U.S. states, including CA, NY, TX, FL, IL, and many others. Availability may vary based on the specific risk and location. Are there any minimum premium requirements?Yes, minimum premiums start at $1,500, with additional taxes and fees applicable. Final pricing depends on the risk characteristics and coverage structure. Does this program require primary coverage to be in place?Yes, a primary supporting CGL or PL policy is required in order to be eligible for this excess liability program. Need help placing an account? Connect with a market specialist.

...VAC, electrical, plumbing) Construction companies with owned or leased equ...program is ideal for contractors, construction firms, medical equipment provid...

Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible, competitive Personal Umbrella Insurance program tailored for clients who need higher limits of liability across a variety of personal exposures. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General gives independent agents and brokers access to multiple markets and specialized underwriting to help place straightforward and complex personal risks. Ideal Accounts and Appetite This program suits clients with higher-than-average liability exposures. Typical accounts include: Households with high-value primary or secondary homes, rental properties, or multiple residences Owners of sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with teen or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds seeking excess liability above an existing umbrella policy Colonial General is particularly useful when a client’s primary auto or homeowners coverage is placed with a different carrier — the umbrella can often be written regardless of the underlying insurer. Coverage Highlights and Advantages Limits available from $1 million to $10 million Primary and excess umbrella structures offered Driver exclusions can be applied to manage household members with poor driving records Coverage extendable to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions for standard accounts and harder-to-place exposures Example: you might have a client who owns a vacation rental, drives a luxury sports car, and has a teen driver at home. This program lets you tailor an umbrella to bridge coverage gaps and provide broader liability protection. Underwriting Notes Underwriting is collaborative and flexible. Colonial General will work with you to engineer placements that use driver exclusions and other risk controls where appropriate. While specific minimum premiums are not listed publicly, the program is priced competitively based on the risk characteristics and limits you select. Complex or unusual exposures should be submitted with full risk details for an accurate assessment. Territories and Availability Available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states may be written on admitted paper while others use non-admitted / E&S markets depending on the carrier and the risk profile. Why Work With Colonial General? Colonial General brings decades of personal-lines and specialty underwriting experience plus broad market access. They focus on responsive service, flexible solutions, and placement options that accommodate non-standard underlying carriers. Whether you’re placing a routine umbrella or a high-net-worth exposure with unusual assets, Colonial General can help identify market capacity and structure the placement. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?Clients with higher liability exposure — for example, households with youthful drivers, luxury vehicles, recreational equipment, rental properties, or public figures — are a strong fit. Farm and ranch exposures can also be considered. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can often place umbrella coverage even when the underlying auto or homeowners policies are written by another insurer. What coverage limits are available?Limits typically range from $1 million to $10 million. Both primary and excess umbrella options are available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions are an available tool to address household members with poor driving records and help make a placement viable. Which states is this program available in?This program is offered in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted availability varies by state; some placements may be on non-admitted/E&S paper. Need help placing an account? Connect with a market specialist.