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Contractors Equipment Coverage from Van Wagone...tation. Can I place business for a contractor located outside the listed states?Contractors Equipment availability varies b...

...ty – broad class acceptance Contractors Liability – multiple contractor classes Gas Stations and Conven... fits include apartment buildings, contractors, retail stores, hotels, restaur...

Your clients depend on their paratransit operations to provide safe, reliable transportation for people who cannot use traditional public transit. These services create unique exposures — especially for drivers, aides, and on-board attendants — and require workers compensation programs tailored to the specialty transportation space. Novatae Risk Group offers a dedicated Paratransit Workers Compensation Insurance Program placed through a nationally recognized “A”-rated carrier. With over 30 years of experience in transportation-related insurance, we understand the operational risks your clients face and have the underwriting relationships and expertise to place tougher or niche accounts. The program supports both for-profit and not-for-profit paratransit providers and is available for emergency and non-emergency transport. Because Novatae focuses on specialty transportation, we can access carriers that provide workers compensation solutions tailored to drivers and staff who handle riders with mobility, medical, or cognitive challenges. Ideal Accounts and Appetite This program is built for paratransit operations, including the following target classes: Non-emergency medical transportation (NEMT) providers Wheelchair-accessible van services Community-based disability transport programs Senior transportation and escort services You might have a client who operates a regional NEMT fleet with wheelchair-accessible vehicles and trained drivers and aides — that type of account typically fits well. Accounts with documented driver training, vehicle maintenance programs, and formal rider-handling procedures are especially desirable. Coverage Highlights and Advantages Workers compensation placement through an “A”-rated national carrier Available to both for-profit and not-for-profit entities Accessible entry point with a $7,500 minimum premium Fast turnaround on quotes when you provide a complete submission Competitive compensation for brokers working the program Submission Requirements Completed ACORD 130 form Three years of currently valued loss runs Supplemental questionnaire describing operations and controls Details on any large or unusual losses Send submissions to [email protected] or call 800-758-8113 to discuss an account with an experienced underwriter. Underwriting Notes and Minimum Premiums The program is designed for small to mid-sized paratransit operators; the minimum premium is $7,500. Favorable submissions typically show evidence of driver screening, defensive driving or rider-handling training, proactive safety programs, and documented vehicle maintenance. Accounts with repeated severe losses, unmanaged exposure to hazardous transports, or poor safety controls may be declined or require higher retentions. Territories and Availability This program is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Coverage is offered across all available markets, including non-admitted where appropriate. Contact Novatae to confirm availability and market options for a specific state. Why Work With Novatae Risk Group? Novatae Risk Group is a managing general underwriter and excess & surplus lines broker with deep experience in transportation risks. Our specialized focus gives you market access, underwriting insight, and faster service for paratransit accounts that can be difficult to place in standard markets. We work with agents to assess exposures and present complete submissions that improve the likelihood of competitive terms. Call us today at 800-758-8113 to learn more about the Paratransit Workers Compensation Insurance Program. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for paratransit operations, including non-emergency medical transportation providers, wheelchair van services, and community-based transport companies serving seniors or people with disabilities. Is this program available to both for-profit and nonprofit organizations?Yes. Novatae’s program accepts both for-profit and not-for-profit paratransit providers. What is the minimum premium for this program?The minimum premium for the program is $7,500, which makes it appropriate for many small to mid-sized operators. Which states is this program available in?The program is available in over 25 states, including major markets such as CA, FL, TX, NY, and IL. Reach out to Novatae to confirm availability in a specific state. What documents are needed to get a quote?Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or unusual losses to obtain a quote. Need help placing an account? Connect with a market specialist.

...or small- to mid-sized cleaning contractors, this program helps protect your i...e brokerage with deep expertise in contractor and service-based risks, Novatae...

...are centers that operate passenger vans to transport children to and from the ...l day care centers that use passenger vans to transport children are the prima...

Policy Highlights: If you place accounts that operate van pooling or commuter shuttle services, Colonial General Insurance Agency, Inc. offers a responsive market tailored to this niche transportation risk. Our Van Pooling Insurance program helps agents secure coverage that meets applicable state and federal requirements while providing flexible limits and terms for group transport operations. Ideal Accounts and Appetite We write operations that transport regular groups of commuters, employees, or members of organized travel programs. Good fits include: Employer-sponsored van pools (regular, scheduled commutes) Public or private commuter services with defined routes Nonprofit ride-sharing or community van pool programs Municipal or community transportation providers operating short-to-mid range routes We prefer accounts operating within the Western U.S. (see Territories below) with demonstrable safety controls and a favorable loss history. Typical non-fits include long-haul charter bus operations, on-demand ride-hailing platforms, or fleets with a recent history of large liability losses. Coverage Highlights and Advantages Colonial General’s Van Pooling Insurance program is built for the exposures common to group passenger transport. Key features include: Liability limits up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with deductible options from $500 to $5,000 Ability to meet state and federal minimums tied to passenger seating capacity, with total coverage options available up to $1.5 million Operation radius options up to 500 miles to accommodate local and regional routes This program is structured to handle the regulatory and operational nuances of van pooling—such as passenger counts, route radius, and seating configurations—so you can place accounts with confidence that required limits and endorsements are available where needed. Underwriting Notes Underwriting evaluates fleet size, average trip length, driver hiring and training practices, driver background checks, and loss history. Documents commonly requested include: driver rosters and MVRs, vehicle maintenance records, and a description of routes and pickup locations. While we do not publish a specific minimum premium, our goal is to deliver competitively priced solutions aligned with the risk profile. Examples of factors that improve tractability: Consistent, scheduled routes and limited radius Formal driver qualification and training programs Preventive maintenance and documented inspection programs Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on state and specific risk details; otherwise coverage is placed through non-admitted carriers. If you have an account near a state border or that occasionally travels outside the listed states, discuss route details with underwriting to determine eligibility. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker with transportation expertise, Colonial General gives agents access to multiple carrier markets, flexible terms, and quick underwriting responses. Our team focuses on matching van pooling accounts to the right admitted or surplus market, helping you place business faster and reduce placement friction. You might have a client who operates a 12-passenger, employer-sponsored van that transports employees 25–40 miles each way; this program can provide limits and radius options to meet that client’s needs. Or you may place a community nonprofit running scheduled commuter shuttles inside a metropolitan area—Colonial General can tailor coverages and deductibles to fit the operation and budget. Frequently Asked Questions What types of accounts are a good fit for this Van Pooling Insurance program?Ideal accounts include employer-sponsored van pools, nonprofit ride-share programs, and commuter shuttle services operating within the Western U.S., especially those with scheduled routes and documented safety procedures. What is the maximum liability limit available?Liability coverage is available up to $1,000,000 CSL, with total coverage options up to $1.5 million in cases where seating capacity or regulatory requirements demand higher limits. Are both admitted and non-admitted markets available?Yes. Depending on the state and risk characteristics, we can place coverage in admitted markets where available or access non-admitted markets through E&S solutions. Is there a minimum premium for this program?We do not publish a specific minimum premium. Pricing is determined by underwriting factors such as fleet size, driving radius, and loss history, and we aim to offer competitive terms for qualified risks. In which states is this program available?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

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Policy Highlights for General Contractors Insurance: Colonial General Insura...is program handle accounts with subcontractor exposure?Yes, it is specifically designed for general contractors who oversee operations performed by employees and insured subcontractors. Need help placing an account...

...rs the Communications Equipment Contractors Program—Residential Insurance to h...al vs. commercial), payroll and subcontractor detail, vehicle list and driving...