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Excavation Insurance Program from Joseph Distel & Co. Inc. Joseph Distel & Co. Inc., through The Distel Group, offers a specialized Excavation Insurance program designed for excavation and land grading contractors operating with heavy equipment and operators. This program meets the unique property and liability needs of excavation businesses and is available on a monoline or package basis to provide flexible protection for your clients. Ideal Accounts and Appetite This program is tailored for contractors engaged in excavation and grading of land—particularly those working on private/commercial land development and site preparation. It is not designed for higher-risk operations such as: Public street or road construction Mining operations Installation or removal of underground tanks Landfill management Dam or tunnel construction Snow removal services If you have clients operating backhoes, trenchers, or bulldozers for site clearing or grading work, this program offers a smart market solution. Coverage Highlights and Advantages Property Coverage Options Include: Buildings Business Personal Property Business Income Broad, Basic, or Special Form Actual Cash Value or Replacement Cost Accounts Receivable Computer Equipment Contractor’s Equipment Equipment Breakdown Outside Signs Valuable Papers General Liability Coverage (CGL): Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included $100 each for Additional Interests Excess or Umbrella limits up to $25 million Crime Coverage Options: Theft of Money and Securities Inside the Premises Robbery or Safe Burglary of Other Property on the Premises Theft Outside the Premises Underwriting Notes and Minimum Premiums A $1,000 minimum deductible applies to this program. The minimum premium starts at $750, making it accessible for small to mid-sized contractors. The program supports a broad range of property and liability exposures, but underwriting focuses on land-based excavation and grading with operator services. Territories and Market Access This program is available in the following New England states: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Coverage is placed with a variety of carriers, with most options available on an admitted basis. Why Work with The Distel Group As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group offers deep expertise in construction-related risks. Their streamlined online quoting platform, Strategic Technologies & Agency Rating (STAR), enables you to get comparative quotes quickly and efficiently. Whether you're placing business for a startup excavation contractor or a well-established grading operation, you can rely on The Distel Group for responsive service and competitive market access. Use http://mgastar.com to get started with online quoting today, or contact The Distel Group directly to discuss your Excavation Insurance submissions. Frequently Asked Questions What types of accounts are a good fit for this Excavation Insurance program?This program is ideal for contractors specializing in excavation and grading of land with equipment and operators, particularly those involved in site prep and land development projects. What types of operations are excluded from this program?The program does not cover public road construction, mining, underground tank work, landfills, dam or tunnel construction, or snow removal services. Is the coverage available on an admitted basis?Most available markets for this program are on an admitted basis, depending on the specific risk and state. What is the minimum premium for this program?The minimum premium starts at $750, with a required $1,000 deductible for most accounts. In which states is this program available?Coverage is currently available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. Need help placing an account? Connect with a market specialist.

Vacant Building Insurance Solutions from The Distel Group Joseph Distel & Co. Inc., operating as The Distel Group, offers a flexible Vacant Building Insurance program for commercial and residential properties that are temporarily unoccupied. Whether a property is being held for resale, between tenants, or undergoing light renovations, this program provides targeted property and liability coverages to help manage the unique risks of vacancy. Program Overview The Vacant Building Insurance program is available on a monoline or package basis. Property and General Liability coverages are configurable based on the property's use, condition, and level of renovation activity. We accommodate vacant commercial buildings (with or without incidental renovations) and vacant residential dwellings; monoline liability for residential risks is also available. Agents can obtain quick online comparative quotes through our STAR rating platform: http://mgastar.com. Ideal Accounts and Appetite This program is designed for: Vacant commercial buildings with light or no renovation activity Residential properties between tenants or awaiting sale Idle properties due to foreclosure, estate transfer, or delayed development Not a fit: properties undergoing major structural renovations, locations with significant code violations, unresolved safety hazards, or extensive deferred maintenance. Example scenarios: You might have a client who owns a former retail space that is vacant while they search for a new tenant, or a homeowner in probate with an unoccupied single-family home—both are strong candidates for this program. Coverage Highlights Property coverage options: Building and Business Personal Property Basic, Broad, or Special form options Replacement Cost (RC) or Actual Cash Value (ACV) General Liability highlights: Primary limits up to $3 million occurrence/aggregate Medical payments — $5,000 included Additional interests — included Coverage limited to designated premises Excess/umbrella capacity up to $25 million No deductible is required for this program. Underwriting Notes and Premiums Minimum premium starts at $750. Underwriting focuses on structure condition, vacancy history, security measures, and planned future use. Both new submissions and renewals are accepted. The Distel Group supports fast turnarounds via the STAR system for eligible risks. Available States This program is currently available in the following states: Connecticut (CT) Maine (ME) Massachusetts (MA) New Hampshire (NH) Rhode Island (RI) Vermont (VT) Why Partner with The Distel Group? As a Managing General Agency and Excess & Surplus Lines Broker, The Distel Group provides deep market access and underwriting expertise for vacant property risks. We place business with multiple E&S carriers, offer flexible terms for hard-to-place accounts, and give agents a streamlined quoting experience to move business quickly. Let The Distel Group be your go-to resource for placing Vacant Building Insurance with confidence and speed. Frequently Asked Questions What types of accounts are a good fit for this program?We target vacant commercial buildings with minimal renovations and vacant residential properties—single-family homes or multi-unit buildings awaiting sale or new tenants. Is this program available in all states?No. The program is currently offered in CT, ME, MA, NH, RI, and VT. Can I get a quote online?Yes. Agents can obtain comparative quotes quickly through our STAR platform at http://mgastar.com. What is the minimum premium for this program?The minimum premium starts at $750, subject to the risk profile and chosen coverages. Are policies written on an admitted or non-admitted basis?Most available markets are non-admitted, which provides greater flexibility in underwriting and terms. Need help placing an account? Connect with a market specialist.