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Bonds Insurance Solutions from J.R. Olsen Bonds & Insurance Brokers, Inc. As a truste...al strength when applicable. Are your bond programs available nationwide?Yes, ...

...Inc. today for direct access to Demolition Select, a tailored and admitted ins...nding on the size and scope of the demolition operation. What submission mater...

...ers admitted property and fidelity bond options. The form language is responsi...tted?Yes. Property and fidelity/crime bond are placed on admitted paper where ...

...ring construction, maintenance, demolition, abatement and emergency response w...ted materials — such as tank work, demolition/abatement, remediation, transfor...

...rties with planned or scheduled demolition Buildings that have swimming po...le? Properties scheduled for demolition, those with swimming pools on-si...

General Contractors Insurance Overview of the Program From Legends Environmental Services Legends Environmental Services offers a robust General Contractors Insurance program designed specifically for construction professionals. As a general agency and carrier with deep market access and industry knowledge, Legends brings specialized solutions for a wide range of contractor-related exposures. Whether your client is building custom homes or managing commercial renovations, this program provides the coverage flexibility and underwriting expertise you need to place quality business. Ideal Accounts and Appetite This program is tailored for general contractors and eligible subcontractors operating in both residential and commercial construction. Here’s a breakdown of the target classes: General Contractors Available in all states except NY, NV, CO, and LA Custom homebuilders preferred; tract builders allowed up to 25 homes Residential, commercial, condos, and townhomes (new construction and remodel) Revenue sweet spot is up to $10 million, but larger accounts will be considered Subcontractors (Interior Trades Only) Includes plumbers, electricians, HVAC, etc. Excludes roofers, framers, foundational work, pool contractors, waterproofing, fire sprinklers, elevator work, and shoring Accepts both residential and commercial work, including new and remodel projects Example: You might have a custom homebuilder with annual revenues under $10 million who also manages small condo developments—this account would be an excellent fit. Coverage Highlights and Advantages Includes Contractors Pollution Liability (CPL) with mold coverage Competitive rates and terms Coverage can be structured for silent subsidence Subcontractor work is covered, subject to eligibility Potential for defense costs outside the limits Underwriting Notes and Minimum Premiums Minimum premiums start at $4,500 Minimum retentions begin at $2,500 Maximum policy limits of $2M/$2M/$2M This is a non-admitted program with flexible underwriting, allowing you to place accounts that may not fit standard markets. Territories and Availability This program is available in most states across the U.S., with the exception of New York, Nevada, Colorado, and Louisiana. Agents can access coverage in states including California, Texas, Florida, Illinois, Washington, and many more. Why Work With Legends Environmental Services? Legends Environmental Services brings deep expertise in construction-related risks and access to multiple carriers, making them a reliable partner for hard-to-place or specialized contractor accounts. Their flexible underwriting approach and competitive options make them an excellent choice for agents looking to expand their contractor book with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for general contractors and select subcontractors in residential and commercial construction, especially custom homebuilders and remodelers with revenues under $10 million. Are subcontractors eligible for coverage?Yes, subcontractors performing interior trades such as plumbing, HVAC, and electrical work are eligible. However, roofers, framers, and other high-risk trades are excluded. Is this program available in all states?No, it is not available in NY, NV, CO, or LA. It is offered in most other states, including CA, TX, FL, IL, and many others. What are the minimum premium and retention requirements?The minimum premium starts at $4,500, with retentions beginning at $2,500. These may vary depending on the account specifics. Does the policy include coverage for pollution or mold?Yes, Contractors Pollution Liability (CPL) coverage with mold is included, providing valuable protection for environmental exposures. Need help placing an account? Connect with a market specialist.

...and marine • Contractors license bonds • Completed operations • Business...

...ot eligible) Crime or Fidelity Bond (admitted) Sexual Abuse is include...Services (a Liberty Mutual Company) Bond — National Union Fire Insurance (an...

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.

...rties with planned or scheduled demolition Buildings that have swimming po...le? Properties scheduled for demolition, those with swimming pools on-si...