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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...

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Amwins Program Underwriters' Water Well Contractors insurance program offers tailored coverage designed for commercial and residential water well drillers, suppliers, and manufacturers. Overview — Amwins Underwriting Water Well Contractors Program Amwins Underwriting provides a focused Managing General Agency program for water well and ground water contractors. Underwritten through Markel, this program is built for contractors whose core operations include drilling, servicing, pump installation and repair, and geotechnical/environmental drilling performed at the direction of an engineer or consultant. The program’s coverages are designed to address the specialized equipment, autos, and liability exposures common to the trade. Ideal Accounts and Appetite Water and geothermal well drilling and servicing contractors Ground water pump installation, service and repair contractors Geotechnical and environmental drillers performing core sampling and work under engineer or consultant direction Accounts with standard well-drilling operations, owned rigs and equipment, and routine service/repair work are good fits. The program is not intended for oil & gas operations, construction piling/underpinning drilling, or cathodic protection drilling. Ineligible Operations (Examples) Any operations performed for oil and gas companies or on oil and gas lease land, pipeline right-of-way, or refineries Construction drilling related to piling or underpinning Drilling for cathodic protection Coverage Highlights and Advantages Property — buildings, owned equipment and business property General liability — tailored to drilling exposures Automobile — commercial auto exposure for service fleets and transport vehicles Inland Marine — rigs, drills, pumps and contractor’s equipment schedules Umbrella — excess limits to broaden liability capacity Down-the-hole coverage — for tools and equipment used in boreholes Loss of income for damaged equipment — to help cover income interruption while key rigs or equipment are repaired The program pairs industry-focused underwriting with coverage forms suited to contractors who operate mobile rigs and heavy equipment, helping agents place accounts that might be difficult in a standard commercial market. Underwriting Notes & Submission Requirements Underwriting is equipment- and operations-driven. Provide complete details on rigs, vehicles, and the scope of drilling activities to get an accurate assessment. Required submission materials: Completed industry standard applications, signed by the insured, including detailed property information (construction, occupancy, square footage and age) Water Well Contractors Supplemental Questionnaire, signed by the insured Five years of recently valued company loss runs Updated driver information Expiring premiums and target premiums for all lines of coverage Federal Employer Identification Number (FEIN) Complete vehicle identification numbers (VIN) RIG schedule Please send submissions to: [email protected] Territories and Admitted Status The program is available in all states except New York and Cook County, Illinois. Admitted placement is available in the states where the program is admitted; contact underwriting for state-specific admitted/non-admitted guidance. Why Work With Amwins Underwriting on Water Well Contractors Specialized underwriting through an MGA with deep contractor knowledge and a dedicated program for drilling exposures. Access to Markel paper and forms suited to mobile rigs, equipment schedules, and down-the-hole exposures. Practical submission checklist that speeds underwriting review when fully completed. Agent scenarios — when this program fits You have a mid-sized residential well driller that owns multiple rigs and a service fleet — the program can package property, inland marine for rigs, commercial auto and general liability. You represent a geotechnical driller performing core sampling under engineer contracts — the program’s appetite for environmental and geotechnical drilling (when performed under engineer/consultant direction) may allow placement when standard markets are hesitant. Frequently Asked Questions What types of water well contractors are a good fit for this program?The program targets water and geothermal well drillers, pump installation and repair contractors, and geotechnical/environmental drillers working under engineer or consultant direction. It’s best for contractors with owned rigs and equipment and routine drilling/service operations. Which operations are excluded from the program?Operations for oil & gas companies or on oil/gas lease land, pipeline right-of-way and refinery operations, construction piling and underpinning drilling, and cathodic protection drilling are not eligible. What submission materials will speed underwriting?Provide completed applications and the program supplemental questionnaire signed by the insured, five years of recently valued loss runs, a complete rig schedule, vehicle VINs, updated driver lists, FEIN, and expiring/target premiums for all lines. Is the program available nationwide?The program is available broadly but excludes New York and Cook County, Illinois. Check with Amwins Underwriting for any state-specific admitted vs. non-admitted placement guidance. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers property and liability coverages on a mono-line or package basis for contractors who perform excavation and land grading operations. This program is tailored to contractors and operators engaged in site preparation, lot grading, trenching and similar earthwork. It is not intended for public street or road construction, mining operations, installation or removal of underground tanks, landfills, dam or tunnel construction, or snow removal operations. Overview of the Excavation Insurance Program from Colonial General Insurance Agency, Inc. This program provides flexible solutions for agents placing excavation and grading risks. Available through Colonial General as a managing general agent and excess & surplus lines broker, the program offers both property and commercial general liability coverages with admitted and non-admitted market access depending on the state and risk profile. Carriers vary by account and there are selective admitted markets where available. Ideal Accounts and Appetite Small to mid-sized excavation and grading contractors Operators performing site work for residential and commercial developments (excluding public road or heavy civil projects) Contractors that own and operate their equipment and require contractor's equipment coverage Accounts needing package solutions combining property, equipment, and liability limits Typically not a fit: large heavy civil contractors, mining, tunnel or dam work, landfill operators, underground tank removal projects, public street/road construction, or snow removal operations. Coverage Highlights and Advantages Coverage options are designed for placement flexibility and include: Property Coverage available for excavation insurance: • Accounts Receivable • Basic, Broad, or Special Form • Building • Business Income • Business Personal Property • Computer Equipment • Contractor's Equipment • Equipment Breakdown • Outside Signs • Replacement Cost or Actual Cash Value • Valuable Papers Commercial General Liability Coverage available: • Primary limits up to $3 million occurrence and aggregate • $5,000 Medical Payments Coverage—Included • Additional Interests—$100 each • Excess or Umbrella limits up to $25 million • $1,000 minimum deductible required Crime Coverage available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises Underwriting Notes and Minimum Requirements Minimum deductible: $1,000 (as a program requirement for liability placement). Limits: primary GL available up to $3M with umbrella/excess options to $25M—subject to carrier approval. Underwriting focuses on experience, loss history, scope of operations, equipment values, and site-specific exposures (e.g., shoring, trenching near utilities). Submission requirements typically include contractor’s application, loss runs, equipment schedule, and a description of operations and project types. Territories and Availability Available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some coverages are offered through admitted markets where available; other placements may be written non-admitted depending on state and carrier appetite. Why Work With Colonial General on Excavation Business Specialized underwriting for excavation and grading contractors through an experienced MGA/E&S broker. Package capability to combine property, equipment, crime and liability coverages for a more complete placement. Access to multiple carrier markets to secure competitive limits, including umbrella/excess follow-form options. Practical appetite guidance to help you avoid non-fit accounts and improve placement speed. Sample accounts that fit this program A residential site contractor performing grading, pad preparation and utility trenching for single-family lots with owned compactors, excavators and skid steers. A commercial site work subcontractor hired for earthmoving and drainage installation on a shopping center project (non-public road work), requiring contractor’s equipment and GL limits with an umbrella. Submission Tips Provide a detailed operations description and equipment schedule up front. Include five years of loss runs when available and explain any recent large losses. Identify any subcontracted work and whether the insured performs utility excavation or trench shoring. Note project types that are excluded by the program (public roads, mining, tunnels, landfills, etc.) to avoid delays. Frequently Asked Questions What types of excavation contractors are a good fit for this program?Contractors focused on site preparation, lot grading, trenching and general earthwork for residential and commercial projects (not public road or heavy civil work) are the primary fit. Those who own and operate their equipment and have manageable loss history are preferred. What limits and deductibles can I expect to place?Primary GL limits are available up to $3 million (occurrence and aggregate) with excess/umbrella capacity to $25 million. The program requires a $1,000 minimum deductible for liability; specific deductible and limit combinations depend on carrier underwriting. Are there operations or exposures that this program will not accept?Yes. Typical exclusions include public street/road construction, mining, tunnel or dam construction, landfills, underground tank installation/removal, and snow removal operations. Large heavy civil or specialty hazardous operations are also outside the appetite. What documentation should I include with a submission?Provide a completed application, current equipment schedule, five years of loss runs, and a clear description of operations and project types. Notes on subcontractor use and safety/shoring procedures help expedite underwriting. Is this program admitted in all states listed?Colonial General places coverage through admitted markets where available and uses non-admitted markets as needed. Availability varies by state—AZ, CA, CO, ID, NV, NM, UT and WY are served by the program. Need help placing an account? Connect with a market specialist.

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